BankIslami PakistanKAR:BIPL +0.75%67 Net Margin % is 9.44% as of Mar. 2026, which is 37% below its 10-year median of 14.89. GuruFocus rates KAR:BIPL with a GF Score™ of 67/100 and a GF Value™ of ₨24.42 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,527 Banks companies, BankIslami Pakistan ranks worse than 87.56% on this metric.
The historical rank and industry rank for BankIslami Pakistan's Net Margin % or its related term are showing as below:
KAR:BIPL'
s Net Margin % Range Over the Past 10 Years
Min: 4.75 Med: 14.89 Max: 29.5
Current: 10.22
KAR:BIPL's Net Margin % is ranked worse than 87.56% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs KAR:BIPL: 10.22
BankIslami Pakistan (KAR:BIPL) 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.
BankIslami Pakistan Net Margin % Related Terms
BankIslami Pakistan Net Margin % Historical Data
* Premium members only.
The historical data trend for BankIslami Pakistan'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 Banks - Regional subindustry, BankIslami Pakistan'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.
BankIslami Pakistan Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, BankIslami Pakistan's Net Margin % distribution charts can be found below:
* The bar in red indicates where BankIslami Pakistan'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.
BankIslami Pakistan (KAR:BIPL) has a Net Margin % of 9.44% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on BankIslami Pakistan and its competitors. This is 37% below median its historical median of 14.89. Over the past decade, BankIslami Pakistan's Net Margin % has ranged from 4.75 to 29.50. According to the industry distribution chart, BankIslami Pakistan ranks #1337 out of 1527 companies in the Banks industry, placing it in the top 87.6%.
Is BankIslami Pakistan's Net Margin % too high?
BankIslami Pakistan's current Net Margin % of 9.44% is 37% below median its 10-year median of 14.89. Over the past 10 years, this metric has ranged from a low of 4.75 to a high of 29.50. The Banks industry median Net Margin % is 26.95. BankIslami Pakistan's value of 9.44% is 65% below this industry median. Based on the distribution chart, BankIslami Pakistan ranks #1337 out of 1527 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, BankIslami Pakistan has a GF Score™ of 67/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does BankIslami Pakistan's Net Margin % compare to PNC?
According to the Banks industry distribution chart, BankIslami Pakistan ranks #1337 out of 1527 companies for Net Margin %. This places BankIslami Pakistan in the lower half of its industry. The industry median Net Margin % is 26.95. BankIslami Pakistan's value of 9.44% is 65% below this benchmark. Historically, BankIslami Pakistan's own Net Margin % has ranged from 4.75 to 29.50 over the past decade. While the company's 10-year median is 14.89 vs. the industry median of 26.95, BankIslami Pakistan 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 26.95, based on 1,527 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. BankIslami Pakistan's current Net Margin % of 9.44% is 65% 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 BankIslami Pakistan and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. BankIslami Pakistan's current Net Margin % is 9.44%, which is 37% below median its own 10-year median of 14.89. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is BankIslami Pakistan stock overvalued right now?
Based on GuruFocus' analysis, BankIslami Pakistan (KAR:BIPL) is currently considered Fairly Valued. The stock's GF Value™ is ₨24.42, compared to a current price of ₨26.82 — trading 9.8% above its estimated fair value. The current Net Margin % is 9.44%, which is 37% below median its 10-year median of 14.89 and 65% below the Banks industry median of 26.95. BankIslami Pakistan's overall GF Score™ is 67/100 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 BankIslami Pakistan (KAR:BIPL), the current Net Margin % is 9.44% 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 BankIslami Pakistan (KAR:BIPL) Overvalued in 2026?
Based on GuruFocus' analysis, BankIslami Pakistan stock appears to be overvalued.
The current stock price of ₨26.82 is trading 9.8% above its estimated GF Value™ of ₨24.42.
GuruFocus considers BankIslami Pakistan to be Fairly Valued.
Key valuation signals for KAR:BIPL:
Net Margin %: 9.44% (37% below median its 10-year median of 14.89)
GF Value™: ₨24.42 vs. price of ₨26.82 (9.8% above fair value)
Industry Position: 65% below the Banks median (#1337 of 1527)
No single metric tells the full story. See the KAR:BIPL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
BankIslami Pakistan Ltd provides various banking products and services in Pakistan. The Bank's segments include Trading and Sales including equity, foreign exchanges, commodities, money market placements, and Shariah-compliant debt investments; Retail Banking includes retail Islamic financing and related assets, deposits, and banking services offered to the Bank's retail customers; and Commercial Banking includes investment banking business, trade business and Islamic financing and related assets relating to the Bank's corporate, SME and agriculture customers; and Support Centre segment includes the assets and liabilities relating to support functions at Head Office and their related income and expenses. The Majority of revenue derives from the Retail Banking segment. Operates in Pakistan.
67GF Score
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