Security Investment BankKAR:SIBL 55 Net Margin % is 19.55% as of Mar. 2026, which is 60% below its 10-year median of 49.46. GuruFocus rates KAR:SIBL with a GF Score™ of 55/100 and a GF Value™ of ₨6.21 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 533 Credit Services companies, Security Investment Bank ranks worse than 63.41% on this metric.
The historical rank and industry rank for Security Investment Bank's Net Margin % or its related term are showing as below:
KAR:SIBL'
s Net Margin % Range Over the Past 10 Years
Min: 8.6 Med: 49.46 Max: 175.37
Current: 8.6
KAR:SIBL's Net Margin % is ranked worse than 63.41% of 533
companies
in the Credit Services industry
Industry Median: 14.54
vs KAR:SIBL: 8.60
Security Investment Bank (KAR:SIBL) 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.
Security Investment Bank Net Margin % Related Terms
Security Investment Bank 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.
For the Credit Services subindustry, Security Investment Bank'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.
Security Investment Bank Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Security Investment Bank's Net Margin % distribution charts can be found below:
* The bar in red indicates where Security Investment Bank'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.
Security Investment Bank (KAR:SIBL) has a Net Margin % of 19.55% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Security Investment Bank and its competitors. This is 60% below median its historical median of 49.46. Over the past decade, Security Investment Bank's Net Margin % has ranged from 8.60 to 175.37. According to the industry distribution chart, Security Investment Bank ranks #338 out of 533 companies in the Credit Services industry, placing it in the top 63.4%.
Is Security Investment Bank's Net Margin % too high?
Security Investment Bank's current Net Margin % of 19.55% is 60% below median its 10-year median of 49.46. Over the past 10 years, this metric has ranged from a low of 8.60 to a high of 175.37. The Credit Services industry median Net Margin % is 14.54. Security Investment Bank's value of 19.55% is 34.5% above this industry median. Based on the distribution chart, Security Investment Bank ranks #338 out of 533 companies in the Credit Services industry, which is below the industry midpoint. Overall, Security Investment Bank has a GF Score™ of 55/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Security Investment Bank's Net Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Security Investment Bank ranks #338 out of 533 companies for Net Margin %. This places Security Investment Bank in the lower half of its industry. The industry median Net Margin % is 14.54. Security Investment Bank's value of 19.55% is 34.5% above this benchmark. Historically, Security Investment Bank's own Net Margin % has ranged from 8.60 to 175.37 over the past decade. While the company's 10-year median is 49.46 vs. the industry median of 14.54, Security Investment Bank has consistently been above 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 Credit Services company?
The median Net Margin % among Credit Services companies is 14.54, based on 533 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. Security Investment Bank's current Net Margin % of 19.55% is 34.5% above 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 Security Investment Bank and its competitors. For the Credit Services industry, the median Net Margin % is 14.54 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Security Investment Bank's current Net Margin % is 19.55%, which is 60% below median its own 10-year median of 49.46. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Security Investment Bank stock overvalued right now?
Based on GuruFocus' analysis, Security Investment Bank (KAR:SIBL) is currently considered Modestly Overvalued. The stock's GF Value™ is ₨6.21, compared to a current price of ₨7.30 — trading 17.6% above its estimated fair value. The current Net Margin % is 19.55%, which is 60% below median its 10-year median of 49.46 and 34.5% above the Credit Services industry median of 14.54. Security Investment Bank's overall GF Score™ is 55/100 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 Security Investment Bank (KAR:SIBL), the current Net Margin % is 19.55% 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 Security Investment Bank (KAR:SIBL) Overvalued in 2026?
Based on GuruFocus' analysis, Security Investment Bank stock appears to be overvalued.
The current stock price of ₨7.30 is trading 17.6% above its estimated GF Value™ of ₨6.21.
GuruFocus considers Security Investment Bank to be Modestly Overvalued.
Key valuation signals for KAR:SIBL:
Net Margin %: 19.55% (60% below median its 10-year median of 49.46)
GF Value™: ₨6.21 vs. price of ₨7.30 (17.6% above fair value)
Industry Position: 34.5% above the Credit Services median (#338 of 533)
No single metric tells the full story. See the KAR:SIBL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Security Investment Bank Ltd Company is licensed to carry out the business of investment finance services as a Non-Banking Finance Company (NBFC). The operations of the Company in Pakistan only.
55GF Score
Get the complete analysis for KAR:SIBL
Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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