Adamjee Insurance CoKAR:AICL +1.13%71 Net Margin % is 4.94% as of Mar. 2026, which is 7% below its 10-year median of 5.30. GuruFocus rates KAR:AICL with a GF Score™ of 71/100 and a GF Value™ of ₨61.14 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 506 Insurance companies, Adamjee Insurance Co ranks worse than 70.55% on this metric.
The historical rank and industry rank for Adamjee Insurance Co's Net Margin % or its related term are showing as below:
KAR:AICL'
s Net Margin % Range Over the Past 10 Years
Min: 3.93 Med: 5.3 Max: 18.4
Current: 5.01
KAR:AICL's Net Margin % is ranked worse than 70.55% of 506
companies
in the Insurance industry
Industry Median: 9.275
vs KAR:AICL: 5.01
Adamjee Insurance Co (KAR:AICL) 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.
Adamjee Insurance Co Net Margin % Related Terms
Adamjee Insurance Co Net Margin % Historical Data
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The historical data trend for Adamjee Insurance 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.
For the Insurance - Property & Casualty subindustry, Adamjee Insurance 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.
Adamjee Insurance Co Net Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Adamjee Insurance Co's Net Margin % distribution charts can be found below:
* The bar in red indicates where Adamjee Insurance 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.
Adamjee Insurance Co (KAR:AICL) has a Net Margin % of 4.94% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Adamjee Insurance Co and its competitors. This is near median its historical median of 5.30. Over the past decade, Adamjee Insurance Co's Net Margin % has ranged from 3.93 to 18.40. According to the industry distribution chart, Adamjee Insurance Co ranks #357 out of 506 companies in the Insurance industry, placing it in the top 70.6%.
Is Adamjee Insurance Co's Net Margin % too high?
Adamjee Insurance Co's current Net Margin % of 4.94% is near median its 10-year median of 5.30. Over the past 10 years, this metric has ranged from a low of 3.93 to a high of 18.40. The Insurance industry median Net Margin % is 9.28. Adamjee Insurance Co's value of 4.94% is 46.7% below this industry median. Based on the distribution chart, Adamjee Insurance Co ranks #357 out of 506 companies in the Insurance industry, which is below the industry midpoint. Overall, Adamjee Insurance Co has a GF Score™ of 71/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Adamjee Insurance Co's Net Margin % compare to CB and PGR?
According to the Insurance industry distribution chart, Adamjee Insurance Co ranks #357 out of 506 companies for Net Margin %. This places Adamjee Insurance Co in the lower half of its industry. The industry median Net Margin % is 9.28. Adamjee Insurance Co's value of 4.94% is 46.7% below this benchmark. Historically, Adamjee Insurance Co's own Net Margin % has ranged from 3.93 to 18.40 over the past decade. While the company's 10-year median is 5.30 vs. the industry median of 9.28, Adamjee Insurance 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 9.28, based on 506 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. Adamjee Insurance Co's current Net Margin % of 4.94% is 46.7% 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 Adamjee Insurance Co and its competitors. For the Insurance industry, the median Net Margin % is 9.28 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Adamjee Insurance Co's current Net Margin % is 4.94%, which is near median its own 10-year median of 5.30. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Adamjee Insurance Co stock overvalued right now?
Based on GuruFocus' analysis, Adamjee Insurance Co (KAR:AICL) is currently considered Significantly Overvalued. The stock's GF Value™ is ₨61.14, compared to a current price of ₨80.51 — trading 31.7% above its estimated fair value. The current Net Margin % is 4.94%, which is near median its 10-year median of 5.30 and 46.7% below the Insurance industry median of 9.28. Adamjee Insurance Co's overall GF Score™ is 71/100 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 Adamjee Insurance Co (KAR:AICL), the current Net Margin % is 4.94% 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.
Is Adamjee Insurance Co (KAR:AICL) Overvalued in 2026?
Based on GuruFocus' analysis, Adamjee Insurance Co stock appears to be overvalued.
The current stock price of ₨80.51 is trading 31.7% above its estimated GF Value™ of ₨61.14.
GuruFocus considers Adamjee Insurance Co to be Significantly Overvalued.
Key valuation signals for KAR:AICL:
Net Margin %: 4.94% (near median its 10-year median of 5.30)
GF Value™: ₨61.14 vs. price of ₨80.51 (31.7% above fair value)
Industry Position: 46.7% below the Insurance median (#357 of 506)
No single metric tells the full story. See the KAR:AICL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Adamjee Insurance Co Ltd is an insurance company engaged in providing insurance to various categories of businesses, such as Fire and Property, Marine Aviation and Transport, Motor, Accident and Health, and Miscellaneous Insurance. Some of the company's high-risk-value projects include the risk-coverage provision to Petrochemical Factories and Industrial Risk projects. It has five primary business segments for reporting purposes, namely Fire & property, marine aviation & transport, motor, accident & health, and miscellaneous. The company generates the majority of its revenue from the Motor segment.
71GF Score
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