Soneri BankKAR:SNBL 74 Net Margin % is 15.33% as of Mar. 2026, which is 13% below its 10-year median of 17.72. GuruFocus rates KAR:SNBL with a GF Score™ of 74/100 and a GF Value™ of ₨18.08 (Modestly Overvalued). The stock has 2 warning signs investors should review. Among 1,527 Banks companies, Soneri Bank ranks worse than 83.3% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Soneri Bank's Net Income for the
three
months ended in Mar. 2026 was ₨1,339 Mil. Soneri Bank's Revenue for the
three
months ended in Mar. 2026 was ₨8,737 Mil. Therefore, Soneri Bank's net margin for the quarter that ended in Mar. 2026 was 15.33%.
The historical rank and industry rank for Soneri Bank's Net Margin % or its related term are showing as below:
KAR:SNBL'
s Net Margin % Range Over the Past 10 Years
Min: 11.56 Med: 17.72 Max: 20.96
Current: 13.58
KAR:SNBL's Net Margin % is ranked worse than 83.3% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs KAR:SNBL: 13.58
Soneri Bank (KAR:SNBL) 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.
Soneri Bank Net Margin % Related Terms
Soneri Bank Net Margin % Historical Data
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The historical data trend for Soneri Bank'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, Soneri 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.
Soneri Bank Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Soneri Bank's Net Margin % distribution charts can be found below:
* The bar in red indicates where Soneri 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.
Soneri Bank (KAR:SNBL) has a Net Margin % of 15.33% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Soneri Bank and its competitors. This is 13% below median its historical median of 17.72. Over the past decade, Soneri Bank's Net Margin % has ranged from 11.56 to 20.96. According to the industry distribution chart, Soneri Bank ranks #1272 out of 1527 companies in the Banks industry, placing it in the top 83.3%.
Is Soneri Bank's Net Margin % too high?
Soneri Bank's current Net Margin % of 15.33% is 13% below median its 10-year median of 17.72. Over the past 10 years, this metric has ranged from a low of 11.56 to a high of 20.96. The Banks industry median Net Margin % is 26.95. Soneri Bank's value of 15.33% is 43.1% below this industry median. Based on the distribution chart, Soneri Bank ranks #1272 out of 1527 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Soneri Bank has a GF Score™ of 74/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Soneri Bank's Net Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Soneri Bank ranks #1272 out of 1527 companies for Net Margin %. This places Soneri Bank in the lower half of its industry. The industry median Net Margin % is 26.95. Soneri Bank's value of 15.33% is 43.1% below this benchmark. Historically, Soneri Bank's own Net Margin % has ranged from 11.56 to 20.96 over the past decade. While the company's 10-year median is 17.72 vs. the industry median of 26.95, Soneri Bank 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. Soneri Bank's current Net Margin % of 15.33% is 43.1% 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 Soneri Bank 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. Soneri Bank's current Net Margin % is 15.33%, which is 13% below median its own 10-year median of 17.72. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Soneri Bank stock overvalued right now?
Based on GuruFocus' analysis, Soneri Bank (KAR:SNBL) is currently considered Modestly Overvalued. The stock's GF Value™ is ₨18.08, compared to a current price of ₨23.01 — trading 27.3% above its estimated fair value. The current Net Margin % is 15.33%, which is 13% below median its 10-year median of 17.72 and 43.1% below the Banks industry median of 26.95. Soneri Bank's overall GF Score™ is 74/100 with 2 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 Soneri Bank (KAR:SNBL), the current Net Margin % is 15.33% 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 Soneri Bank (KAR:SNBL) Overvalued in 2026?
Based on GuruFocus' analysis, Soneri Bank stock appears to be overvalued.
The current stock price of ₨23.01 is trading 27.3% above its estimated GF Value™ of ₨18.08.
GuruFocus considers Soneri Bank to be Modestly Overvalued.
Key valuation signals for KAR:SNBL:
Net Margin %: 15.33% (13% below median its 10-year median of 17.72)
GF Value™: ₨18.08 vs. price of ₨23.01 (27.3% above fair value)
Industry Position: 43.1% below the Banks median (#1272 of 1527)
No single metric tells the full story. See the KAR:SNBL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Soneri Bank Ltd provides banking services. It is involved in the activities of Retail Banking; Corporate and Investment Banking; Islamic Banking and Foreign Exchange Services. It offers fixed income, equity, foreign exchanges, lending, and repo services. It also offers financing, deposits, and services to corporate customers including services about mergers and acquisition and IPOs. The business segments of the bank are Corporate finance, Islamic, Trading and sales, Retail Banking and others.
74GF Score
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