APS BankMAL:APS -0.88%20 Net Margin % is 23.32% as of Dec. 2025, which is 10% above its 10-year median of 21.24. GuruFocus rates MAL:APS with a GF Score™ of 20/100 and a GF Value™ of €0.61 (Fairly Valued). The stock has 7 warning signs investors should review. Among 1,527 Banks companies, APS Bank ranks worse than 74.98% on this metric.
Net margin is calculated as Net Income divided by its Revenue. APS Bank's Net Income for the
six
months ended in Dec. 2025 was €11.31 Mil. APS Bank's Revenue for the
six
months ended in Dec. 2025 was €48.50 Mil. Therefore, APS Bank's net margin for the quarter that ended in Dec. 2025 was 23.32%.
The historical rank and industry rank for APS Bank's Net Margin % or its related term are showing as below:
MAL:APS'
s Net Margin % Range Over the Past 10 Years
Min: 12.38 Med: 21.24 Max: 23.18
Current: 18.13
MAL:APS's Net Margin % is ranked worse than 74.98% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs MAL:APS: 18.13
APS Bank (MAL:APS) 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.
APS Bank Net Margin % Related Terms
APS Bank Net Margin % Historical Data
* Premium members only.
The historical data trend for APS 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, APS 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.
APS Bank Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, APS Bank's Net Margin % distribution charts can be found below:
* The bar in red indicates where APS 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.
APS Bank (MAL:APS) has a Net Margin % of 23.32% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on APS Bank and its competitors. This is 10% above median its historical median of 21.24. Over the past decade, APS Bank's Net Margin % has ranged from 12.38 to 23.18. According to the industry distribution chart, APS Bank ranks #1145 out of 1527 companies in the Banks industry, placing it in the top 75%.
Is APS Bank's Net Margin % too high?
APS Bank's current Net Margin % of 23.32% is 10% above median its 10-year median of 21.24. Over the past 10 years, this metric has ranged from a low of 12.38 to a high of 23.18. The Banks industry median Net Margin % is 26.95. APS Bank's value of 23.32% is 13.5% below this industry median. Based on the distribution chart, APS Bank ranks #1145 out of 1527 companies in the Banks industry, which is below the industry midpoint. Overall, APS Bank has a GF Score™ of 20/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does APS Bank's Net Margin % compare to PNC and USB?
According to the Banks industry distribution chart, APS Bank ranks #1145 out of 1527 companies for Net Margin %. This places APS Bank in the lower half of its industry. The industry median Net Margin % is 26.95. APS Bank's value of 23.32% is 13.5% below this benchmark. Historically, APS Bank's own Net Margin % has ranged from 12.38 to 23.18 over the past decade. While the company's 10-year median is 21.24 vs. the industry median of 26.95, APS 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. APS Bank's current Net Margin % of 23.32% is 13.5% 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 APS 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. APS Bank's current Net Margin % is 23.32%, which is 10% above median its own 10-year median of 21.24. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is APS Bank stock overvalued right now?
Based on GuruFocus' analysis, APS Bank (MAL:APS) is currently considered Fairly Valued. The stock's GF Value™ is €0.61, compared to a current price of €0.57 — trading 7.4% below its estimated fair value. The current Net Margin % is 23.32%, which is 10% above median its 10-year median of 21.24 and 13.5% below the Banks industry median of 26.95. APS Bank's overall GF Score™ is 20/100 with 7 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 APS Bank (MAL:APS), the current Net Margin % is 23.32% 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 APS Bank (MAL:APS) Overvalued in 2026?
Based on GuruFocus' analysis, APS Bank stock appears to be undervalued.
The current stock price of €0.57 is trading 7.4% below its estimated GF Value™ of €0.61.
GuruFocus considers APS Bank to be Fairly Valued.
Key valuation signals for MAL:APS:
Net Margin %: 23.32% (10% above median its 10-year median of 21.24)
GF Value™: €0.61 vs. price of €0.57 (7.4% below fair value)
Industry Position: 13.5% below the Banks median (#1145 of 1527)
No single metric tells the full story. See the MAL:APS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
APS Bank Ltd offers various personal banking and other financial products and services, including savings accounts, insurance and investment products, home loans, and personal loans, among others. It also caters to the banking needs of corporate customers. The company, along with its subsidiaries, operates in four reportable segments: Retail, Commercial, Investment Services, and Liquidity Management and Structured Loans. Maximum revenue is generated from the Retail segment, which offers various products and services to meet the personal banking needs of individual customers. This includes home loans, personal loans, overdraft facilities, deposit products, and other general banking activities.
20GF Score
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