KCB GroupNAI:KCB +2.01%86 Net Margin % is 33.21% as of Mar. 2026, which is 8% above its 10-year median of 30.66. GuruFocus rates NAI:KCB with a GF Score™ of 86/100 and a GF Value™ of KES45.93 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 1,527 Banks companies, KCB Group ranks better than 70.4% on this metric.
Net margin is calculated as Net Income divided by its Revenue. KCB Group's Net Income for the
three
months ended in Mar. 2026 was KES17,817 Mil. KCB Group's Revenue for the
three
months ended in Mar. 2026 was KES53,640 Mil. Therefore, KCB Group's net margin for the quarter that ended in Mar. 2026 was 33.21%.
The historical rank and industry rank for KCB Group's Net Margin % or its related term are showing as below:
NAI:KCB'
s Net Margin % Range Over the Past 10 Years
Min: 20.53 Med: 30.66 Max: 33.41
Current: 33.09
NAI:KCB's Net Margin % is ranked better than 70.4% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs NAI:KCB: 33.09
KCB Group (NAI:KCB) 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.
KCB Group Net Margin % Related Terms
KCB Group Net Margin % Historical Data
* Premium members only.
The historical data trend for KCB Group'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, KCB 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.
KCB Group Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, KCB Group's Net Margin % distribution charts can be found below:
* The bar in red indicates where KCB 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.
KCB Group (NAI:KCB) has a Net Margin % of 33.21% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on KCB Group and its competitors. This is near median its historical median of 30.66. Over the past decade, KCB Group's Net Margin % has ranged from 20.53 to 33.41. According to the industry distribution chart, KCB Group ranks #452 out of 1527 companies in the Banks industry, placing it in the top 29.6%.
Is KCB Group's Net Margin % too high?
KCB Group's current Net Margin % of 33.21% is near median its 10-year median of 30.66. Over the past 10 years, this metric has ranged from a low of 20.53 to a high of 33.41. The Banks industry median Net Margin % is 26.95. KCB Group's value of 33.21% is 23.2% above this industry median. Based on the distribution chart, KCB Group ranks #452 out of 1527 companies in the Banks industry, which is above the industry midpoint. Overall, KCB Group has a GF Score™ of 86/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does KCB Group's Net Margin % compare to competitors?
According to the Banks industry distribution chart, KCB Group ranks #452 out of 1527 companies for Net Margin %. This puts KCB Group in the upper half of its industry. The industry median Net Margin % is 26.95. KCB Group's value of 33.21% is 23.2% above this benchmark. Historically, KCB Group's own Net Margin % has ranged from 20.53 to 33.41 over the past decade. While the company's 10-year median is 30.66 vs. the industry median of 26.95, KCB Group 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. KCB Group's current Net Margin % of 33.21% is 23.2% 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 KCB Group 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. KCB Group's current Net Margin % is 33.21%, which is near median its own 10-year median of 30.66. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is KCB Group stock overvalued right now?
Based on GuruFocus' analysis, KCB Group (NAI:KCB) is currently considered Significantly Overvalued. The stock's GF Value™ is KES45.93, compared to a current price of KES76.00 — trading 65.5% above its estimated fair value. The current Net Margin % is 33.21%, which is near median its 10-year median of 30.66 and 23.2% above the Banks industry median of 26.95. KCB Group's overall GF Score™ is 86/100 with 3 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 KCB Group (NAI:KCB), the current Net Margin % is 33.21% 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 KCB Group (NAI:KCB) Overvalued in 2026?
Based on GuruFocus' analysis, KCB Group stock appears to be overvalued.
The current stock price of KES76.00 is trading 65.5% above its estimated GF Value™ of KES45.93.
GuruFocus considers KCB Group to be Significantly Overvalued.
Key valuation signals for NAI:KCB:
Net Margin %: 33.21% (near median its 10-year median of 30.66)
GF Value™: KES45.93 vs. price of KES76.00 (65.5% above fair value)
Industry Position: 23.2% above the Banks median (#452 of 1527)
No single metric tells the full story. See the NAI:KCB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
KCB Group Ltd provides banking services. The company's operating segment includes Retail Banking; Corporate Banking; Mortgages; Treasury and Others. It generates maximum revenue from the Corporate banking segment. The Retail banking segment incorporates banking services such as current accounts, fixed deposits, overdrafts, loans, and other credit facilities both in local and foreign currencies for corporate customers. Geographically, the company derives a majority of its revenue from Kenya, and also has its presence in Tanzania, South Sudan, Uganda, Rwanda, Burundi, and DRC.
86GF Score
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