Standard Bank MalawiMSW:STANDARD 84 Net Margin % is 39.50% as of Dec. 2025, which is 31% above its 10-year median of 30.20. GuruFocus rates MSW:STANDARD with a GF Score™ of 84/100 and a GF Value™ of MWK1,918.44 (Significantly Overvalued). Among 1,527 Banks companies, Standard Bank Malawi ranks better than 76.69% on this metric.
The historical rank and industry rank for Standard Bank Malawi's Net Margin % or its related term are showing as below:
MSW:STANDARD'
s Net Margin % Range Over the Past 10 Years
Min: 19.7 Med: 30.2 Max: 35.84
Current: 35.84
MSW:STANDARD's Net Margin % is ranked better than 76.69% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs MSW:STANDARD: 35.84
Standard Bank Malawi (MSW:STANDARD) 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.
Standard Bank Malawi Net Margin % Related Terms
Standard Bank Malawi Net Margin % Historical Data
* Premium members only.
The historical data trend for Standard Bank Malawi'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, Standard Bank Malawi'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.
Standard Bank Malawi Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Standard Bank Malawi's Net Margin % distribution charts can be found below:
* The bar in red indicates where Standard Bank Malawi'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.
Standard Bank Malawi (MSW:STANDARD) has a Net Margin % of 39.50% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Standard Bank Malawi and its competitors. This is 31% above median its historical median of 30.20. Over the past decade, Standard Bank Malawi's Net Margin % has ranged from 19.70 to 35.84. According to the industry distribution chart, Standard Bank Malawi ranks #356 out of 1527 companies in the Banks industry, placing it in the top 23.3%.
Is Standard Bank Malawi's Net Margin % too high?
Standard Bank Malawi's current Net Margin % of 39.50% is 31% above median its 10-year median of 30.20. Over the past 10 years, this metric has ranged from a low of 19.70 to a high of 35.84. The Banks industry median Net Margin % is 26.95. Standard Bank Malawi's value of 39.50% is 46.6% above this industry median. Based on the distribution chart, Standard Bank Malawi ranks #356 out of 1527 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Standard Bank Malawi has a GF Score™ of 84/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Standard Bank Malawi's Net Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Standard Bank Malawi ranks #356 out of 1527 companies for Net Margin %. This places Standard Bank Malawi in the top 23% of its industry — outperforming the majority of peers. The industry median Net Margin % is 26.95. Standard Bank Malawi's value of 39.50% is 46.6% above this benchmark. Historically, Standard Bank Malawi's own Net Margin % has ranged from 19.70 to 35.84 over the past decade. While the company's 10-year median is 30.20 vs. the industry median of 26.95, Standard Bank Malawi 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 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. Standard Bank Malawi's current Net Margin % of 39.50% is 46.6% 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 Standard Bank Malawi 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. Standard Bank Malawi's current Net Margin % is 39.50%, which is 31% above median its own 10-year median of 30.20. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Standard Bank Malawi stock overvalued right now?
Based on GuruFocus' analysis, Standard Bank Malawi (MSW:STANDARD) is currently considered Significantly Overvalued. The stock's GF Value™ is MWK1,918.44, compared to a current price of MWK3,999.45 — trading 108.5% above its estimated fair value. The current Net Margin % is 39.50%, which is 31% above median its 10-year median of 30.20 and 46.6% above the Banks industry median of 26.95. Standard Bank Malawi's overall GF Score™ is 84/100. 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 Standard Bank Malawi (MSW:STANDARD), the current Net Margin % is 39.50% 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 Standard Bank Malawi (MSW:STANDARD) Overvalued in 2026?
Based on GuruFocus' analysis, Standard Bank Malawi stock appears to be overvalued.
The current stock price of MWK3,999.45 is trading 108.5% above its estimated GF Value™ of MWK1,918.44.
GuruFocus considers Standard Bank Malawi to be Significantly Overvalued.
Key valuation signals for MSW:STANDARD:
Net Margin %: 39.50% (31% above median its 10-year median of 30.20)
GF Value™: MWK1,918.44 vs. price of MWK3,999.45 (108.5% above fair value)
Industry Position: 46.6% above the Banks median (#356 of 1527)
No single metric tells the full story. See the MSW:STANDARD stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Standard Bank Malawi PLC provides banking services. Its business operations are divided into three segments Corporate and Investment Banking, Personal and Private Banking, Business and Commercial Banking, and Treasury and Capital Management. Services offered by the company include current accounts, savings, deposits, investment savings products, custody, debit cards, consumer loans, mortgages, internet banking, telephone banking, foreign exchange, commodities, debt securities, and equities trading, among others. Its branches are located across Malawi. The Bank offers its services to individual customers and small to medium-sized enterprises.
84GF Score
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