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Abbey BankNSA:ABBEYBANK +10.00%36 Net Margin % is 35.19% as of Dec. 2025, which is 276% above its 10-year median of 9.35. GuruFocus rates NSA:ABBEYBANK with a GF Score™ of 36/100 and a GF Value™ of ₦5.74 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,519 Banks companies, Abbey Bank ranks better than 74.92% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Abbey Bank's Net Income for the
six
months ended in Dec. 2025 was ₦2,165 Mil. Abbey Bank's Revenue for the
six
months ended in Dec. 2025 was ₦6,152 Mil. Therefore, Abbey Bank's net margin for the quarter that ended in Dec. 2025 was 35.19%.
The historical rank and industry rank for Abbey Bank's Net Margin % or its related term are showing as below:
NSA:ABBEYBANK'
s Net Margin % Range Over the Past 10 Years
Min: -450.9 Med: 9.35 Max: 35.19
Current: 35.19
NSA:ABBEYBANK's Net Margin % is ranked better than 74.92% of 1519
companies
in the Banks industry
Industry Median: 27.34
vs NSA:ABBEYBANK: 35.19
Abbey Bank (NSA:ABBEYBANK) 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.
Abbey Bank Net Margin % Related Terms
Abbey Bank Net Margin % Historical Data
* Premium members only.
The historical data trend for Abbey 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.
NSA:ABBEYBANK vs USB, PNC: Net Margin % Comparison
For the Banks - Regional subindustry, Abbey 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.
Abbey Bank Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Abbey Bank's Net Margin % distribution charts can be found below:
* The bar in red indicates where Abbey 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.
Abbey Bank (NSA:ABBEYBANK) has a Net Margin % of 35.19% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Abbey Bank and its competitors. This is 276% above median its historical median of 9.35. According to the industry distribution chart, Abbey Bank ranks #381 out of 1519 companies in the Banks industry, placing it in the top 25.1%.
Is Abbey Bank's Net Margin % too high?
Abbey Bank's current Net Margin % of 35.19% is 276% above median its 10-year median of 9.35. The Banks industry median Net Margin % is 27.34. Abbey Bank's value of 35.19% is 28.7% above this industry median. Based on the distribution chart, Abbey Bank ranks #381 out of 1519 companies in the Banks industry, which is above the industry midpoint. Overall, Abbey Bank has a GF Score™ of 36/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Abbey Bank's Net Margin % compare to USB and PNC?
According to the Banks industry distribution chart, Abbey Bank ranks #381 out of 1519 companies for Net Margin %. This puts Abbey Bank in the upper half of its industry. The industry median Net Margin % is 27.34. Abbey Bank's value of 35.19% is 28.7% above this benchmark. While the company's 10-year median is 9.35 vs. the industry median of 27.34, Abbey Bank 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 27.34, based on 1,519 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. Abbey Bank's current Net Margin % of 35.19% is 28.7% 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 Abbey Bank and its competitors. For the Banks industry, the median Net Margin % is 27.34 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Abbey Bank's current Net Margin % is 35.19%, which is 276% above median its own 10-year median of 9.35. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Abbey Bank stock overvalued right now?
Based on GuruFocus' analysis, Abbey Bank (NSA:ABBEYBANK) is currently considered Significantly Overvalued. The stock's GF Value™ is ₦5.74, compared to a current price of ₦7.70 — trading 34.1% above its estimated fair value. The current Net Margin % is 35.19%, which is 276% above median its 10-year median of 9.35 and 28.7% above the Banks industry median of 27.34. Abbey Bank's overall GF Score™ is 36/100 with 4 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 Abbey Bank (NSA:ABBEYBANK), the current Net Margin % is 35.19% 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 Abbey Bank (NSA:ABBEYBANK) Overvalued in 2026?
Based on GuruFocus' analysis, Abbey Bank stock appears to be overvalued.
The current stock price of ₦7.70 is trading 34.1% above its estimated GF Value™ of ₦5.74.
GuruFocus considers Abbey Bank to be Significantly Overvalued.
Key valuation signals for NSA:ABBEYBANK:
Net Margin %: 35.19% (276% above median its 10-year median of 9.35)
GF Value™: ₦5.74 vs. price of ₦7.70 (34.1% above fair value)
Industry Position: 28.7% above the Banks median (#381 of 1519)
No single metric tells the full story. See the NSA:ABBEYBANK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Abbey Mortgage Bank PLC provides loan, mortgage, and banking services to corporate and individual customers. The Bank's operations are geographically divided into two segments based on its operations within northern and southern Nigeria The company offers a savings account, deposits, fund management services, personal loans, real estate and mortgage services, and construction financing, among others.
36GF Score
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