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Dongguan Rural Commercial Bank Co (HKSE:09889) 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.
Dongguan Rural Commercial Bank Co Net Margin % Related Terms
Dongguan Rural Commercial Bank 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.
Dongguan Rural Commercial Bank Co Net Margin % Chart
Dongguan Rural Commercial Bank Co Net Margin % Competitor Comparison
For the Banks - Regional subindustry, Dongguan Rural Commercial 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.
Dongguan Rural Commercial Bank Co Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Dongguan Rural Commercial Bank Co's Net Margin % distribution charts can be found below:
* The bar in red indicates where Dongguan Rural Commercial 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.
Dongguan Rural Commercial Bank Co (HKSE:09889) has a Net Margin % of 19.87% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Dongguan Rural Commercial Bank Co and its competitors. This is 52% below median its historical median of 41.74. Over the past decade, Dongguan Rural Commercial Bank Co's Net Margin % has ranged from 33.10 to 46.55. According to the industry distribution chart, Dongguan Rural Commercial Bank Co ranks #464 out of 1526 companies in the Banks industry, placing it in the top 30.4%.
Is Dongguan Rural Commercial Bank Co's Net Margin % too high?
Dongguan Rural Commercial Bank Co's current Net Margin % of 19.87% is 52% below median its 10-year median of 41.74. Over the past 10 years, this metric has ranged from a low of 33.10 to a high of 46.55. The Banks industry median Net Margin % is 27.10. Dongguan Rural Commercial Bank Co's value of 19.87% is 26.7% below this industry median. Based on the distribution chart, Dongguan Rural Commercial Bank Co ranks #464 out of 1526 companies in the Banks industry, which is above the industry midpoint. Overall, Dongguan Rural Commercial Bank Co has a GF Score™ of 70/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Dongguan Rural Commercial Bank Co's Net Margin % compare to competitors?
According to the Banks industry distribution chart, Dongguan Rural Commercial Bank Co ranks #464 out of 1526 companies for Net Margin %. This puts Dongguan Rural Commercial Bank Co in the upper half of its industry. The industry median Net Margin % is 27.10. Dongguan Rural Commercial Bank Co's value of 19.87% is 26.7% below this benchmark. Historically, Dongguan Rural Commercial Bank Co's own Net Margin % has ranged from 33.10 to 46.55 over the past decade. While the company's 10-year median is 41.74 vs. the industry median of 27.10, Dongguan Rural Commercial 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 1,526 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. Dongguan Rural Commercial Bank Co's current Net Margin % of 19.87% is 26.7% 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 Dongguan Rural Commercial 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. Dongguan Rural Commercial Bank Co's current Net Margin % is 19.87%, which is 52% below median its own 10-year median of 41.74. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Dongguan Rural Commercial Bank Co stock overvalued right now?
Based on GuruFocus' analysis, Dongguan Rural Commercial Bank Co (HKSE:09889) is currently considered Modestly Undervalued. The stock's GF Value™ is HK$4.49, compared to a current price of HK$3.32 — trading 26.1% below its estimated fair value. The current Net Margin % is 19.87%, which is 52% below median its 10-year median of 41.74 and 26.7% below the Banks industry median of 27.10. Dongguan Rural Commercial Bank Co's overall GF Score™ is 70/100 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 Dongguan Rural Commercial Bank Co (HKSE:09889), the current Net Margin % is 19.87% 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 Dongguan Rural Commercial Bank Co (HKSE:09889) Overvalued in 2026?
Based on GuruFocus' analysis, Dongguan Rural Commercial Bank Co stock appears to be undervalued.
The current stock price of HK$3.32 is trading 26.1% below its estimated GF Value™ of HK$4.49.
GuruFocus considers Dongguan Rural Commercial Bank Co to be Modestly Undervalued.
Key valuation signals for HKSE:09889:
Net Margin %: 19.87% (52% below median its 10-year median of 41.74)
GF Value™: HK$4.49 vs. price of HK$3.32 (26.1% below fair value)
Industry Position: 26.7% below the Banks median (#464 of 1526)
No single metric tells the full story. See the HKSE:09889 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Dongguan Rural Commercial Bank Co Ltd is engaged in providing financial services in China. It operates in four segments: Corporate banking, which covers financial products and services to corporate customers, governments, and financial institutions; Personal banking business segment covers financial products and services to individual customers; Treasury segment covers the Group's money market transactions, repurchase transactions, debt instrument investments, wealth management products, and precious metals; and Others covers the remaining businesses of the Group that cannot be directly attributed to the above segments.
70GF Score
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