FBD HoldingsFBDHF 78 Net Margin % is 13.63% as of Dec. 2025, which is 5% below its 10-year median of 14.33. GuruFocus rates FBDHF with a GF Score™ of 78/100 and a GF Value™ of $12.73. The stock has 5 warning signs investors should review. Among 501 Insurance companies, FBD Holdings ranks better than 54.09% on this metric.
Net margin is calculated as Net Income divided by its Revenue. FBD Holdings's Net Income for the
six
months ended in Dec. 2025 was $37.9 Mil. FBD Holdings's Revenue for the
six
months ended in Dec. 2025 was $277.8 Mil. Therefore, FBD Holdings's net margin for the quarter that ended in Dec. 2025 was 13.63%.
The historical rank and industry rank for FBD Holdings's Net Margin % or its related term are showing as below:
FBDHF'
s Net Margin % Range Over the Past 10 Years
Min: 1.31 Med: 14.33 Max: 26.99
Current: 10.19
FBDHF's Net Margin % is ranked better than 54.09% of 501
companies
in the Insurance industry
Industry Median: 9.29
vs FBDHF: 10.19
FBD Holdings (OTCPK:FBDHF) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
FBD Holdings Net Margin % Related Terms
FBD Holdings Net Margin % Historical Data
* Premium members only.
The historical data trend for FBD Holdings's Net Margin % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Insurance - Property & Casualty subindustry, FBD Holdings's Net Margin %, along with its competitors' market caps and Net Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
FBD Holdings Net Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, FBD Holdings's Net Margin % distribution charts can be found below:
* The bar in red indicates where FBD Holdings's Net Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
FBD Holdings (FBDHF) has a Net Margin % of 13.63% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on FBD Holdings and its competitors. This is near median its historical median of 14.33. Over the past decade, FBD Holdings' Net Margin % has ranged from 1.31 to 26.99. According to the industry distribution chart, FBD Holdings ranks #230 out of 501 companies in the Insurance industry, placing it in the top 45.9%.
Is FBD Holdings' Net Margin % too high?
FBD Holdings' current Net Margin % of 13.63% is near median its 10-year median of 14.33. Over the past 10 years, this metric has ranged from a low of 1.31 to a high of 26.99. The Insurance industry median Net Margin % is 9.29. FBD Holdings' value of 13.63% is 46.7% above this industry median. Based on the distribution chart, FBD Holdings ranks #230 out of 501 companies in the Insurance industry, which is above the industry midpoint. Overall, FBD Holdings has a GF Score™ of 78/100, reflecting its overall financial health beyond just this single metric.
How does FBD Holdings' Net Margin % compare to CB and PGR?
According to the Insurance industry distribution chart, FBD Holdings ranks #230 out of 501 companies for Net Margin %. This puts FBD Holdings in the upper half of its industry. The industry median Net Margin % is 9.29. FBD Holdings' value of 13.63% is 46.7% above this benchmark. Historically, FBD Holdings' own Net Margin % has ranged from 1.31 to 26.99 over the past decade. While the company's 10-year median is 14.33 vs. the industry median of 9.29, FBD Holdings has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for an Insurance company?
The median Net Margin % among Insurance companies is 9.29, based on 501 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. FBD Holdings's current Net Margin % of 13.63% is 46.7% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on FBD Holdings and its competitors. For the Insurance industry, the median Net Margin % is 9.29 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FBD Holdings's current Net Margin % is 13.63%, which is near median its own 10-year median of 14.33. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is FBD Holdings stock overvalued right now?
FBD Holdings (FBDHF) has a current Net Margin % of 13.63%. The stock's GF Value™ is $12.73, compared to a current price of $13.00 — trading 2.1% above its estimated fair value. The current Net Margin % is 13.63%, which is near median its 10-year median of 14.33 and 46.7% above the Insurance industry median of 9.29. FBD Holdings' overall GF Score™ is 78/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For FBD Holdings (FBDHF), the current Net Margin % is 13.63% as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is FBD Holdings (FBDHF) Overvalued in 2026?
Based on GuruFocus' analysis, FBD Holdings stock appears to be overvalued.
The current stock price of $13.00 is trading 2.1% above its estimated GF Value™ of $12.73.
Key valuation signals for FBDHF:
Net Margin %: 13.63% (near median its 10-year median of 14.33)
GF Value™: $12.73 vs. price of $13.00 (2.1% above fair value)
Industry Position: 46.7% above the Insurance median (#230 of 501)
No single metric tells the full story. See the FBDHF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
FBD Holdings PLC is a property and casualty insurer that looks after the insurance needs of farmers, consumers, and business owners. The company operates through two segments: General Insurance and Other Group Activities. General insurance: This includes all underwriting activities for motor and non-motor products. Other services: Comprises all non-underwriting activities, including administrative functions and financial services. The majority of revenue is from General Insurance. The Group's operations are located in Ireland.
78GF Score
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