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JiangXi Bank CoHKSE:01916 -0.79%49 Net Margin % is 9.90% as of Dec. 2025, which is 46% below its 10-year median of 18.33. GuruFocus rates HKSE:01916 with a GF Score™ of 49/100 and a GF Value™ of HK$0.59 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,525 Banks companies, JiangXi Bank Co ranks worse than 87.15% on this metric.
Net margin is calculated as Net Income divided by its Revenue. JiangXi Bank Co's Net Income for the
six
months ended in Dec. 2025 was HK$449 Mil. JiangXi Bank Co's Revenue for the
six
months ended in Dec. 2025 was HK$4,539 Mil. Therefore, JiangXi Bank Co's net margin for the quarter that ended in Dec. 2025 was 9.90%.
The historical rank and industry rank for JiangXi Bank Co's Net Margin % or its related term are showing as below:
HKSE:01916'
s Net Margin % Range Over the Past 10 Years
Min: 8.86 Med: 18.33 Max: 31.5
Current: 10.79
HKSE:01916's Net Margin % is ranked worse than 87.15% of 1525
companies
in the Banks industry
Industry Median: 27.1
vs HKSE:01916: 10.79
JiangXi Bank Co (HKSE:01916) 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.
JiangXi Bank Co Net Margin % Related Terms
JiangXi Bank Co Net Margin % Historical Data
* Premium members only.
The historical data trend for JiangXi Bank Co'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.
JiangXi Bank Co Net Margin % Competitor Comparison
For the Banks - Regional subindustry, JiangXi Bank Co'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.
JiangXi Bank Co Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, JiangXi Bank Co's Net Margin % distribution charts can be found below:
* The bar in red indicates where JiangXi Bank Co'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.
JiangXi Bank Co (HKSE:01916) has a Net Margin % of 9.90% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on JiangXi Bank Co and its competitors. This is 46% below median its historical median of 18.33. Over the past decade, JiangXi Bank Co's Net Margin % has ranged from 8.86 to 31.50. According to the industry distribution chart, JiangXi Bank Co ranks #1329 out of 1525 companies in the Banks industry, placing it in the top 87.1%.
Is JiangXi Bank Co's Net Margin % too high?
JiangXi Bank Co's current Net Margin % of 9.90% is 46% below median its 10-year median of 18.33. Over the past 10 years, this metric has ranged from a low of 8.86 to a high of 31.50. The Banks industry median Net Margin % is 27.10. JiangXi Bank Co's value of 9.90% is 63.5% below this industry median. Based on the distribution chart, JiangXi Bank Co ranks #1329 out of 1525 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, JiangXi Bank Co has a GF Score™ of 49/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does JiangXi Bank Co's Net Margin % compare to competitors?
According to the Banks industry distribution chart, JiangXi Bank Co ranks #1329 out of 1525 companies for Net Margin %. This places JiangXi Bank Co in the lower half of its industry. The industry median Net Margin % is 27.10. JiangXi Bank Co's value of 9.90% is 63.5% below this benchmark. Historically, JiangXi Bank Co's own Net Margin % has ranged from 8.86 to 31.50 over the past decade. While the company's 10-year median is 18.33 vs. the industry median of 27.10, JiangXi Bank Co has consistently been below 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 27.10, based on 1,525 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. JiangXi Bank Co's current Net Margin % of 9.90% is 63.5% below 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 JiangXi Bank Co and its competitors. For the Banks industry, the median Net Margin % is 27.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. JiangXi Bank Co's current Net Margin % is 9.90%, which is 46% below median its own 10-year median of 18.33. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is JiangXi Bank Co stock overvalued right now?
Based on GuruFocus' analysis, JiangXi Bank Co (HKSE:01916) is currently considered Fairly Valued. The stock's GF Value™ is HK$0.59, compared to a current price of HK$0.63 — trading 5.9% above its estimated fair value. The current Net Margin % is 9.90%, which is 46% below median its 10-year median of 18.33 and 63.5% below the Banks industry median of 27.10. JiangXi Bank Co's overall GF Score™ is 49/100 with 4 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 JiangXi Bank Co (HKSE:01916), the current Net Margin % is 9.90% 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 JiangXi Bank Co (HKSE:01916) Overvalued in 2026?
Based on GuruFocus' analysis, JiangXi Bank Co stock appears to be overvalued.
The current stock price of HK$0.63 is trading 5.9% above its estimated GF Value™ of HK$0.59.
GuruFocus considers JiangXi Bank Co to be Fairly Valued.
Key valuation signals for HKSE:01916:
Net Margin %: 9.90% (46% below median its 10-year median of 18.33)
GF Value™: HK$0.59 vs. price of HK$0.63 (5.9% above fair value)
Industry Position: 63.5% below the Banks median (#1329 of 1525)
No single metric tells the full story. See the HKSE:01916 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
JiangXi Bank Co Ltd operates as a commercial bank in China. The company's operating segments include Corporate banking; Retail banking and credit card; Funds business; and others. It generates maximum revenue from the Corporate banking segment. The Corporate banking segment provides a range of financial products and services to corporations, government agencies and financial institutions. Geographically, the company conducts its business in Jiangxi Province of the PRC.
49GF Score
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Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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