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Warba Bank (K.S.C.)KUW:WARBABANK -1.07%26 Net Margin % is 29.28% as of Mar. 2026, which is 9% above its 10-year median of 26.89. GuruFocus rates KUW:WARBABANK with a GF Score™ of 26/100 and a GF Value™ of KWD0.18 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,526 Banks companies, Warba Bank (K.S.C.) ranks better than 94.23% on this metric.
Warba Bank (K.S.C.) (KUW:WARBABANK) 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.
Warba Bank (K.S.C.) Net Margin % Related Terms
Warba Bank (K.S.C.) Net Margin % Historical Data
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The historical data trend for Warba Bank (K.S.C.)'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.
KUW:WARBABANK vs PNC, USB: Net Margin % Comparison
For the Banks - Regional subindustry, Warba Bank (K.S.C.)'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.
Warba Bank (K.S.C.) Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Warba Bank (K.S.C.)'s Net Margin % distribution charts can be found below:
* The bar in red indicates where Warba Bank (K.S.C.)'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.
Warba Bank (K.S.C.) (KUW:WARBABANK) has a Net Margin % of 29.28% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Warba Bank (K.S.C.) and its competitors. This is near median its historical median of 26.89. Over the past decade, Warba Bank (K.S.C.)'s Net Margin % has ranged from 7.91 to 51.75. According to the industry distribution chart, Warba Bank (K.S.C.) ranks #88 out of 1526 companies in the Banks industry, placing it in the top 5.8%.
Is Warba Bank (K.S.C.)'s Net Margin % too high?
Warba Bank (K.S.C.)'s current Net Margin % of 29.28% is near median its 10-year median of 26.89. Over the past 10 years, this metric has ranged from a low of 7.91 to a high of 51.75. The Banks industry median Net Margin % is 27.09. Warba Bank (K.S.C.)'s value of 29.28% is 8.1% above this industry median. Based on the distribution chart, Warba Bank (K.S.C.) ranks #88 out of 1526 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Warba Bank (K.S.C.) has a GF Score™ of 26/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Warba Bank (K.S.C.)'s Net Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Warba Bank (K.S.C.) ranks #88 out of 1526 companies for Net Margin %. This places Warba Bank (K.S.C.) in the top 6% of its industry — outperforming the majority of peers. The industry median Net Margin % is 27.09. Warba Bank (K.S.C.)'s value of 29.28% is 8.1% above this benchmark. Historically, Warba Bank (K.S.C.)'s own Net Margin % has ranged from 7.91 to 51.75 over the past decade. While the company's 10-year median is 26.89 vs. the industry median of 27.09, Warba Bank (K.S.C.) 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 Banks company?
The median Net Margin % among Banks companies is 27.09, 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. Warba Bank (K.S.C.)'s current Net Margin % of 29.28% is 8.1% 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 Warba Bank (K.S.C.) and its competitors. For the Banks industry, the median Net Margin % is 27.09 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Warba Bank (K.S.C.)'s current Net Margin % is 29.28%, which is near median its own 10-year median of 26.89. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Warba Bank (K.S.C.) stock overvalued right now?
Based on GuruFocus' analysis, Warba Bank (K.S.C.) (KUW:WARBABANK) is currently considered Significantly Overvalued. The stock's GF Value™ is KWD0.18, compared to a current price of KWD0.28 — trading 55.6% above its estimated fair value. The current Net Margin % is 29.28%, which is near median its 10-year median of 26.89 and 8.1% above the Banks industry median of 27.09. Warba Bank (K.S.C.)'s overall GF Score™ is 26/100 with 6 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 Warba Bank (K.S.C.) (KUW:WARBABANK), the current Net Margin % is 29.28% 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 Warba Bank (K.S.C.) (KUW:WARBABANK) Overvalued in 2026?
Based on GuruFocus' analysis, Warba Bank (K.S.C.) stock appears to be overvalued.
The current stock price of KWD0.28 is trading 55.6% above its estimated GF Value™ of KWD0.18.
GuruFocus considers Warba Bank (K.S.C.) to be Significantly Overvalued.
Key valuation signals for KUW:WARBABANK:
Net Margin %: 29.28% (near median its 10-year median of 26.89)
GF Value™: KWD0.18 vs. price of KWD0.28 (55.6% above fair value)
Industry Position: 8.1% above the Banks median (#88 of 1526)
No single metric tells the full story. See the KUW:WARBABANK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Warba Bank (K.S.C.) is a Kuwait-based banking corporation involved in corporate, retail, and investment banking activities in accordance with the principles of Islamic Sharia. It has five operating segments; Corporate offers a range of banking services and investment products to corporate customers, in addition to providing commodity and real estate Murabaha finance and Ijara facilities. Retail offers diversified products and services to individual customers, Treasury includes Bank's funding operations management, local and international Murabaha, and other Islamic financings with banks and financial institutions, Investment includes investment in direct equity, real estate investment, other investments, and asset management, and Other includes cost center assets and expenses.
26GF Score
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