Guaranty Trust Holding CoNSA:GTCO +0.62%81 Net Margin % is 38.82% as of Dec. 2025, which is 22% below its 10-year median of 49.68. GuruFocus rates NSA:GTCO with a GF Score™ of 81/100 and a GF Value™ of ₦75.92 (Significantly Overvalued). The stock has 1 warning sign investors should review. Among 1,526 Banks companies, Guaranty Trust Holding Co ranks better than 93.58% on this metric.
The historical rank and industry rank for Guaranty Trust Holding Co's Net Margin % or its related term are showing as below:
NSA:GTCO'
s Net Margin % Range Over the Past 10 Years
Min: 39.74 Med: 49.68 Max: 55.45
Current: 49.6
NSA:GTCO's Net Margin % is ranked better than 93.58% of 1526
companies
in the Banks industry
Industry Median: 26.97
vs NSA:GTCO: 49.60
Guaranty Trust Holding Co (NSA:GTCO) 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.
Guaranty Trust Holding Co Net Margin % Related Terms
Guaranty Trust Holding Co 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.
NSA:GTCO vs JPM, BAC, WFC: Net Margin % Comparison
For the Banks - Diversified subindustry, Guaranty Trust Holding Co'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.
Guaranty Trust Holding Co Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Guaranty Trust Holding Co's Net Margin % distribution charts can be found below:
* The bar in red indicates where Guaranty Trust Holding Co'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.
Guaranty Trust Holding Co (NSA:GTCO) has a Net Margin % of 38.82% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Guaranty Trust Holding Co and its competitors. This is 22% below median its historical median of 49.68. Over the past decade, Guaranty Trust Holding Co's Net Margin % has ranged from 39.74 to 55.45. According to the industry distribution chart, Guaranty Trust Holding Co ranks #98 out of 1526 companies in the Banks industry, placing it in the top 6.4%.
Is Guaranty Trust Holding Co's Net Margin % too high?
Guaranty Trust Holding Co's current Net Margin % of 38.82% is 22% below median its 10-year median of 49.68. Over the past 10 years, this metric has ranged from a low of 39.74 to a high of 55.45. The Banks industry median Net Margin % is 26.97. Guaranty Trust Holding Co's value of 38.82% is 43.9% above this industry median. Based on the distribution chart, Guaranty Trust Holding Co ranks #98 out of 1526 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Guaranty Trust Holding Co has a GF Score™ of 81/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Guaranty Trust Holding Co's Net Margin % compare to JPM and BAC?
According to the Banks industry distribution chart, Guaranty Trust Holding Co ranks #98 out of 1526 companies for Net Margin %. This places Guaranty Trust Holding Co in the top 6% of its industry — outperforming the majority of peers. The industry median Net Margin % is 26.97. Guaranty Trust Holding Co's value of 38.82% is 43.9% above this benchmark. Historically, Guaranty Trust Holding Co's own Net Margin % has ranged from 39.74 to 55.45 over the past decade. While the company's 10-year median is 49.68 vs. the industry median of 26.97, Guaranty Trust Holding Co 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 26.97, based on 1,526 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. Guaranty Trust Holding Co's current Net Margin % of 38.82% is 43.9% 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 Guaranty Trust Holding Co and its competitors. For the Banks industry, the median Net Margin % is 26.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Guaranty Trust Holding Co's current Net Margin % is 38.82%, which is 22% below median its own 10-year median of 49.68. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Guaranty Trust Holding Co stock overvalued right now?
Based on GuruFocus' analysis, Guaranty Trust Holding Co (NSA:GTCO) is currently considered Significantly Overvalued. The stock's GF Value™ is ₦75.92, compared to a current price of ₦129.80 — trading 71% above its estimated fair value. The current Net Margin % is 38.82%, which is 22% below median its 10-year median of 49.68 and 43.9% above the Banks industry median of 26.97. Guaranty Trust Holding Co's overall GF Score™ is 81/100 with 1 warning sign 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 Guaranty Trust Holding Co (NSA:GTCO), the current Net Margin % is 38.82% 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 Guaranty Trust Holding Co (NSA:GTCO) Overvalued in 2026?
Based on GuruFocus' analysis, Guaranty Trust Holding Co stock appears to be overvalued.
The current stock price of ₦129.80 is trading 71% above its estimated GF Value™ of ₦75.92.
GuruFocus considers Guaranty Trust Holding Co to be Significantly Overvalued.
Key valuation signals for NSA:GTCO:
Net Margin %: 38.82% (22% below median its 10-year median of 49.68)
GF Value™: ₦75.92 vs. price of ₦129.80 (71% above fair value)
Industry Position: 43.9% above the Banks median (#98 of 1526)
No single metric tells the full story. See the NSA:GTCO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Guaranty Trust Holding Co PLC is a multinational financial institution that provides individuals, businesses, private and public institutions across Africa and the United Kingdom with a broad range of market key financial products and services. The company has six reportable segments: Corporate banking which derives maximum revenue, and incorporates current accounts, deposits, overdrafts, loans and other credit facilities; Commercial banking which incorporates current accounts, deposits, overdrafts, loans and other credit facilities; Business banking which incorporates current accounts, deposits, overdrafts, loans and other credit facilities; Retail banking which incorporates private banking services, private customer current accounts, savings deposits; SME banking; and Public sector.
81GF Score
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Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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