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Sunshine Insurance Group Co (HKSE:06963) 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.
Sunshine Insurance Group Co Net Margin % Related Terms
Sunshine Insurance Group Co Net Margin % Historical Data
* 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.
HKSE:06963 vs CB, PGR, TRV: Net Margin % Comparison
For the Insurance - Property & Casualty subindustry, Sunshine Insurance Group 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.
Sunshine Insurance Group Co Net Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Sunshine Insurance Group Co's Net Margin % distribution charts can be found below:
* The bar in red indicates where Sunshine Insurance Group 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.
Sunshine Insurance Group Co (HKSE:06963) has a Net Margin % of 7.07% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Sunshine Insurance Group Co and its competitors. This is 20% above median its historical median of 5.89. Over the past decade, Sunshine Insurance Group Co's Net Margin % has ranged from 4.92 to 8.13. According to the industry distribution chart, Sunshine Insurance Group Co ranks #279 out of 499 companies in the Insurance industry, placing it in the top 55.9%.
Is Sunshine Insurance Group Co's Net Margin % too high?
Sunshine Insurance Group Co's current Net Margin % of 7.07% is 20% above median its 10-year median of 5.89. Over the past 10 years, this metric has ranged from a low of 4.92 to a high of 8.13. The Insurance industry median Net Margin % is 9.22. Sunshine Insurance Group Co's value of 7.07% is 23.3% below this industry median. Based on the distribution chart, Sunshine Insurance Group Co ranks #279 out of 499 companies in the Insurance industry, which is below the industry midpoint. Overall, Sunshine Insurance Group Co has a GF Score™ of 73/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Sunshine Insurance Group Co's Net Margin % compare to CB and PGR?
According to the Insurance industry distribution chart, Sunshine Insurance Group Co ranks #279 out of 499 companies for Net Margin %. This places Sunshine Insurance Group Co in the lower half of its industry. The industry median Net Margin % is 9.22. Sunshine Insurance Group Co's value of 7.07% is 23.3% below this benchmark. Historically, Sunshine Insurance Group Co's own Net Margin % has ranged from 4.92 to 8.13 over the past decade. While the company's 10-year median is 5.89 vs. the industry median of 9.22, Sunshine Insurance Group 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 an Insurance company?
The median Net Margin % among Insurance companies is 9.22, based on 499 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. Sunshine Insurance Group Co's current Net Margin % of 7.07% is 23.3% 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 Sunshine Insurance Group Co and its competitors. For the Insurance industry, the median Net Margin % is 9.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sunshine Insurance Group Co's current Net Margin % is 7.07%, which is 20% above median its own 10-year median of 5.89. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sunshine Insurance Group Co stock overvalued right now?
Based on GuruFocus' analysis, Sunshine Insurance Group Co (HKSE:06963) is currently considered Modestly Undervalued. The stock's GF Value™ is HK$3.79, compared to a current price of HK$3.39 — trading 10.7% below its estimated fair value. The current Net Margin % is 7.07%, which is 20% above median its 10-year median of 5.89 and 23.3% below the Insurance industry median of 9.22. Sunshine Insurance Group Co's overall GF Score™ is 73/100 with 3 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 Sunshine Insurance Group Co (HKSE:06963), the current Net Margin % is 7.07% 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 Sunshine Insurance Group Co (HKSE:06963) Overvalued in 2026?
Based on GuruFocus' analysis, Sunshine Insurance Group Co stock appears to be undervalued.
The current stock price of HK$3.39 is trading 10.7% below its estimated GF Value™ of HK$3.79.
GuruFocus considers Sunshine Insurance Group Co to be Modestly Undervalued.
Key valuation signals for HKSE:06963:
Net Margin %: 7.07% (20% above median its 10-year median of 5.89)
GF Value™: HK$3.79 vs. price of HK$3.39 (10.7% below fair value)
Industry Position: 23.3% below the Insurance median (#279 of 499)
No single metric tells the full story. See the HKSE:06963 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Sunshine Insurance Group Co Ltd is mainly engaged in the insurance business. The company has three operating segments; The life insurance segment offers a wide range of life insurance products mainly by Sunshine Life; The property and casualty insurance segment offers a wide range of property and casualty insurance products mainly by Sunshine P&C and Sunshine Surety, and Other business segment mainly provides corporation management and assets management services. It derives a majority of its revenue from the property and casualty insurance segment.
73GF Score
Get the complete analysis for HKSE:06963
Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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