The Federal BankFDBAY 73 Net Margin % is 28.35% as of Mar. 2026, which is 19% above its 10-year median of 23.82. GuruFocus rates FDBAY with a GF Score™ of 73/100. The stock has 7 warning signs investors should review. Among 1,526 Banks companies, The Federal Bank ranks worse than 51.57% on this metric.
The historical rank and industry rank for The Federal Bank's Net Margin % or its related term are showing as below:
FDBAY'
s Net Margin % Range Over the Past 10 Years
Min: 19.98 Med: 23.82 Max: 31.99
Current: 26.33
FDBAY's Net Margin % is ranked worse than 51.57% of 1526
companies
in the Banks industry
Industry Median: 26.97
vs FDBAY: 26.33
The Federal Bank (OTCPK:FDBAY) 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.
The Federal Bank Net Margin % Related Terms
The Federal Bank Net Margin % Historical Data
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The historical data trend for The Federal Bank'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.
The Federal Bank Net Margin % Competitor Comparison
For the Banks - Regional subindustry, The Federal Bank'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.
The Federal Bank Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, The Federal Bank's Net Margin % distribution charts can be found below:
* The bar in red indicates where The Federal Bank'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.
The Federal Bank (FDBAY) has a Net Margin % of 28.35% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on The Federal Bank and its competitors. This is 19% above median its historical median of 23.82. Over the past decade, The Federal Bank's Net Margin % has ranged from 19.98 to 31.99. According to the industry distribution chart, The Federal Bank ranks #787 out of 1526 companies in the Banks industry, placing it in the top 51.6%.
Is The Federal Bank's Net Margin % too high?
The Federal Bank's current Net Margin % of 28.35% is 19% above median its 10-year median of 23.82. Over the past 10 years, this metric has ranged from a low of 19.98 to a high of 31.99. The Banks industry median Net Margin % is 26.97. The Federal Bank's value of 28.35% is 5.1% above this industry median. Based on the distribution chart, The Federal Bank ranks #787 out of 1526 companies in the Banks industry, which is below the industry midpoint. Overall, The Federal Bank has a GF Score™ of 73/100, reflecting its overall financial health beyond just this single metric.
How does The Federal Bank's Net Margin % compare to competitors?
According to the Banks industry distribution chart, The Federal Bank ranks #787 out of 1526 companies for Net Margin %. This places The Federal Bank in the lower half of its industry. The industry median Net Margin % is 26.97. The Federal Bank's value of 28.35% is 5.1% above this benchmark. Historically, The Federal Bank's own Net Margin % has ranged from 19.98 to 31.99 over the past decade. While the company's 10-year median is 23.82 vs. the industry median of 26.97, The Federal Bank 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 a Banks company?
The median Net Margin % among Banks companies is 26.97, based on 1,526 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. The Federal Bank's current Net Margin % of 28.35% is 5.1% 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 The Federal Bank and its competitors. For the Banks industry, the median Net Margin % is 26.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. The Federal Bank's current Net Margin % is 28.35%, which is 19% above median its own 10-year median of 23.82. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is The Federal Bank stock overvalued right now?
The Federal Bank (FDBAY) has a current Net Margin % of 28.35%. The current Net Margin % is 28.35%, which is 19% above median its 10-year median of 23.82 and 5.1% above the Banks industry median of 26.97. The Federal Bank's overall GF Score™ is 73/100 with 7 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 The Federal Bank (FDBAY), the current Net Margin % is 28.35% as of Mar. 2026. 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.
The Federal Bank Ltd is an India-based commercial banking company. The company operates through a network of branches and ATMs across India. The company's business segments consist of the Treasury, Corporate/Wholesale Banking, Retail Banking, and Other Banking Operations. The company generates key revenue from the Retail Banking segment, which is engaged in lending of funds, acceptance of deposits, and other banking services to any legal person, including small business customers, on the basis of the status of the borrower, nature of the product, granularity of the exposure, and quantum thereof.
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