Lancashire HoldingsFRA:LNH +0.27%77 Net Margin % is 17.54% as of Dec. 2025, which is 47% above its 10-year median of 11.95. GuruFocus rates FRA:LNH with a GF Score™ of 77/100 and a GF Value™ of €9.35 (Modestly Undervalued). The stock has 7 warning signs investors should review. Among 501 Insurance companies, Lancashire Holdings ranks better than 75.25% on this metric.
The historical rank and industry rank for Lancashire Holdings's Net Margin % or its related term are showing as below:
FRA:LNH'
s Net Margin % Range Over the Past 10 Years
Min: -14.56 Med: 11.95 Max: 28.15
Current: 15.59
FRA:LNH's Net Margin % is ranked better than 75.25% of 501
companies
in the Insurance industry
Industry Median: 9.29
vs FRA:LNH: 15.59
Lancashire Holdings (FRA:LNH) 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.
Lancashire Holdings Net Margin % Related Terms
Lancashire Holdings Net Margin % Historical Data
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The historical data trend for Lancashire 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 - Specialty subindustry, Lancashire 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.
Lancashire Holdings Net Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Lancashire Holdings's Net Margin % distribution charts can be found below:
* The bar in red indicates where Lancashire 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.
Lancashire Holdings (FRA:LNH) has a Net Margin % of 17.54% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Lancashire Holdings and its competitors. This is 47% above median its historical median of 11.95. According to the industry distribution chart, Lancashire Holdings ranks #124 out of 501 companies in the Insurance industry, placing it in the top 24.8%.
Is Lancashire Holdings' Net Margin % too high?
Lancashire Holdings' current Net Margin % of 17.54% is 47% above median its 10-year median of 11.95. The Insurance industry median Net Margin % is 9.29. Lancashire Holdings' value of 17.54% is 88.8% above this industry median. Based on the distribution chart, Lancashire Holdings ranks #124 out of 501 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Lancashire Holdings has a GF Score™ of 77/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Lancashire Holdings' Net Margin % compare to FNF and AXS?
According to the Insurance industry distribution chart, Lancashire Holdings ranks #124 out of 501 companies for Net Margin %. This places Lancashire Holdings in the top 25% of its industry — outperforming the majority of peers. The industry median Net Margin % is 9.29. Lancashire Holdings' value of 17.54% is 88.8% above this benchmark. While the company's 10-year median is 11.95 vs. the industry median of 9.29, Lancashire 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. Lancashire Holdings's current Net Margin % of 17.54% is 88.8% 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 Lancashire 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. Lancashire Holdings's current Net Margin % is 17.54%, which is 47% above median its own 10-year median of 11.95. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Lancashire Holdings stock overvalued right now?
Based on GuruFocus' analysis, Lancashire Holdings (FRA:LNH) is currently considered Modestly Undervalued. The stock's GF Value™ is €9.35, compared to a current price of €7.44 — trading 20.4% below its estimated fair value. The current Net Margin % is 17.54%, which is 47% above median its 10-year median of 11.95 and 88.8% above the Insurance industry median of 9.29. Lancashire Holdings' overall GF Score™ is 77/100 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 Lancashire Holdings (FRA:LNH), the current Net Margin % is 17.54% 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 Lancashire Holdings (FRA:LNH) Overvalued in 2026?
Based on GuruFocus' analysis, Lancashire Holdings stock appears to be undervalued.
The current stock price of €7.44 is trading 20.4% below its estimated GF Value™ of €9.35.
GuruFocus considers Lancashire Holdings to be Modestly Undervalued.
Key valuation signals for FRA:LNH:
Net Margin %: 17.54% (47% above median its 10-year median of 11.95)
GF Value™: €9.35 vs. price of €7.44 (20.4% below fair value)
Industry Position: 88.8% above the Insurance median (#124 of 501)
No single metric tells the full story. See the FRA:LNH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Lancashire Holdings Ltd is a provider of specialty reinsurance products with operations in London, Bermuda, the United States, and Australia. The company has two principal segments: reinsurance and insurance. The company generates the majority of its revenue from the Insurance segment. The Group's reinsurance segment comprises property reinsurance, specialty reinsurance, and casualty reinsurance. The insurance segment is usually written on a direct or facultative basis and comprises aviation insurance, casualty insurance, energy and marine insurance, property insurance, and specialty insurance. Geographically, the company generates the majority of its revenue from the United States and Canada.
77GF Score
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