Arbuthnot Banking GroupLSE:ARBB +0.30%68 Net Margin % is 6.95% as of Dec. 2025, which is 21% below its 10-year median of 8.82. GuruFocus rates LSE:ARBB with a GF Score™ of 68/100 and a GF Value™ of £7.80 (Fairly Valued). The stock has 2 warning signs investors should review. Among 1,530 Banks companies, Arbuthnot Banking Group ranks worse than 90.72% on this metric.
The historical rank and industry rank for Arbuthnot Banking Group's Net Margin % or its related term are showing as below:
LSE:ARBB'
s Net Margin % Range Over the Past 10 Years
Min: -27.87 Med: 8.82 Max: 372.36
Current: 7.36
LSE:ARBB's Net Margin % is ranked worse than 90.72% of 1530
companies
in the Banks industry
Industry Median: 26.845
vs LSE:ARBB: 7.36
Arbuthnot Banking Group (LSE:ARBB) 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.
Arbuthnot Banking Group Net Margin % Related Terms
Arbuthnot Banking Group 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 Banks - Regional subindustry, Arbuthnot Banking Group'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.
Arbuthnot Banking Group Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Arbuthnot Banking Group's Net Margin % distribution charts can be found below:
* The bar in red indicates where Arbuthnot Banking Group'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.
Arbuthnot Banking Group (LSE:ARBB) has a Net Margin % of 6.95% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Arbuthnot Banking Group and its competitors. This is 21% below median its historical median of 8.82. According to the industry distribution chart, Arbuthnot Banking Group ranks #1388 out of 1530 companies in the Banks industry, placing it in the top 90.7%.
Is Arbuthnot Banking Group's Net Margin % too high?
Arbuthnot Banking Group's current Net Margin % of 6.95% is 21% below median its 10-year median of 8.82. The Banks industry median Net Margin % is 26.85. Arbuthnot Banking Group's value of 6.95% is 74.1% below this industry median. Based on the distribution chart, Arbuthnot Banking Group ranks #1388 out of 1530 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Arbuthnot Banking Group has a GF Score™ of 68/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Arbuthnot Banking Group's Net Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Arbuthnot Banking Group ranks #1388 out of 1530 companies for Net Margin %. This places Arbuthnot Banking Group in the lower half of its industry. The industry median Net Margin % is 26.85. Arbuthnot Banking Group's value of 6.95% is 74.1% below this benchmark. While the company's 10-year median is 8.82 vs. the industry median of 26.85, Arbuthnot Banking Group 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 26.85, based on 1,530 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. Arbuthnot Banking Group's current Net Margin % of 6.95% is 74.1% 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 Arbuthnot Banking Group and its competitors. For the Banks industry, the median Net Margin % is 26.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Arbuthnot Banking Group's current Net Margin % is 6.95%, which is 21% below median its own 10-year median of 8.82. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Arbuthnot Banking Group stock overvalued right now?
Based on GuruFocus' analysis, Arbuthnot Banking Group (LSE:ARBB) is currently considered Fairly Valued. The stock's GF Value™ is £7.80, compared to a current price of £8.33 — trading 6.7% above its estimated fair value. The current Net Margin % is 6.95%, which is 21% below median its 10-year median of 8.82 and 74.1% below the Banks industry median of 26.85. Arbuthnot Banking Group's overall GF Score™ is 68/100 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 Arbuthnot Banking Group (LSE:ARBB), the current Net Margin % is 6.95% as of Dec. 2025. 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 Arbuthnot Banking Group (LSE:ARBB) Overvalued in 2026?
Based on GuruFocus' analysis, Arbuthnot Banking Group stock appears to be overvalued.
The current stock price of £8.33 is trading 6.7% above its estimated GF Value™ of £7.80.
GuruFocus considers Arbuthnot Banking Group to be Fairly Valued.
Key valuation signals for LSE:ARBB:
Net Margin %: 6.95% (21% below median its 10-year median of 8.82)
GF Value™: £7.80 vs. price of £8.33 (6.7% above fair value)
Industry Position: 74.1% below the Banks median (#1388 of 1530)
No single metric tells the full story. See the LSE:ARBB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Arbuthnot Banking Group PLC is a United Kingdom-based company that provides banking and financial services. Its operating segments are Banking, Wealth Management, RAF, ACABL, AAG, All Other Divisions, and Group centre. It Group's revenues are derived from a combination of net interest income from lending, deposit-taking, and treasury activities, fees for services provided, and commission earned on the sale of financial products. Geographically, the company operates only in UK.
68GF Score
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