The historical rank and industry rank for LivingTrust Mortgage Bank's Net Margin % or its related term are showing as below:
NSA:LIVINGTRUST'
s Net Margin % Range Over the Past 10 Years
Min: 17.4 Med: 30.58 Max: 41.25
Current: 38.33
NSA:LIVINGTRUST's Net Margin % is ranked better than 81.97% of 1525
companies
in the Banks industry
Industry Median: 26.87
vs NSA:LIVINGTRUST: 38.33
LivingTrust Mortgage Bank (NSA:LIVINGTRUST) 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.
LivingTrust Mortgage Bank Net Margin % Related Terms
LivingTrust Mortgage Bank 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:LIVINGTRUST vs RKT, FNMA, PFSI: Net Margin % Comparison
For the Mortgage Finance subindustry, LivingTrust Mortgage 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.
LivingTrust Mortgage Bank Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, LivingTrust Mortgage Bank's Net Margin % distribution charts can be found below:
* The bar in red indicates where LivingTrust Mortgage 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.
LivingTrust Mortgage Bank (NSA:LIVINGTRUST) has a Net Margin % of 30.71% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on LivingTrust Mortgage Bank and its competitors. This is near median its historical median of 30.58. Over the past decade, LivingTrust Mortgage Bank's Net Margin % has ranged from 17.40 to 41.25. According to the industry distribution chart, LivingTrust Mortgage Bank ranks #275 out of 1525 companies in the Banks industry, placing it in the top 18%.
Is LivingTrust Mortgage Bank's Net Margin % too high?
LivingTrust Mortgage Bank's current Net Margin % of 30.71% is near median its 10-year median of 30.58. Over the past 10 years, this metric has ranged from a low of 17.40 to a high of 41.25. The Banks industry median Net Margin % is 26.87. LivingTrust Mortgage Bank's value of 30.71% is 14.3% above this industry median. Based on the distribution chart, LivingTrust Mortgage Bank ranks #275 out of 1525 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, LivingTrust Mortgage Bank has a GF Score™ of 62/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does LivingTrust Mortgage Bank's Net Margin % compare to RKT and FNMA?
According to the Banks industry distribution chart, LivingTrust Mortgage Bank ranks #275 out of 1525 companies for Net Margin %. This places LivingTrust Mortgage Bank in the top 18% of its industry — outperforming the majority of peers. The industry median Net Margin % is 26.87. LivingTrust Mortgage Bank's value of 30.71% is 14.3% above this benchmark. Historically, LivingTrust Mortgage Bank's own Net Margin % has ranged from 17.40 to 41.25 over the past decade. While the company's 10-year median is 30.58 vs. the industry median of 26.87, LivingTrust Mortgage 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 26.87, based on 1,525 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. LivingTrust Mortgage Bank's current Net Margin % of 30.71% is 14.3% 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 LivingTrust Mortgage Bank and its competitors. For the Banks industry, the median Net Margin % is 26.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. LivingTrust Mortgage Bank's current Net Margin % is 30.71%, which is near median its own 10-year median of 30.58. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is LivingTrust Mortgage Bank stock overvalued right now?
Based on GuruFocus' analysis, LivingTrust Mortgage Bank (NSA:LIVINGTRUST) is currently considered Significantly Undervalued. The stock's GF Value™ is ₦6.01, compared to a current price of ₦3.39 — trading 43.6% below its estimated fair value. The current Net Margin % is 30.71%, which is near median its 10-year median of 30.58 and 14.3% above the Banks industry median of 26.87. LivingTrust Mortgage Bank's overall GF Score™ is 62/100 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 LivingTrust Mortgage Bank (NSA:LIVINGTRUST), the current Net Margin % is 30.71% 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 LivingTrust Mortgage Bank (NSA:LIVINGTRUST) Overvalued in 2026?
Based on GuruFocus' analysis, LivingTrust Mortgage Bank stock appears to be undervalued.
The current stock price of ₦3.39 is trading 43.6% below its estimated GF Value™ of ₦6.01.
GuruFocus considers LivingTrust Mortgage Bank to be Significantly Undervalued.
Key valuation signals for NSA:LIVINGTRUST:
Net Margin %: 30.71% (near median its 10-year median of 30.58)
GF Value™: ₦6.01 vs. price of ₦3.39 (43.6% below fair value)
Industry Position: 14.3% above the Banks median (#275 of 1525)
No single metric tells the full story. See the NSA:LIVINGTRUST stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
LivingTrust Mortgage Bank PLC is a Nigerian mortgage banking institution, with its principal business being the provision of mortgage banking and related financial intermediation services. The Bank operates as a single reportable business segment focused on mortgage banking and construction finance in accordance with Central Bank of Nigeria guidelines. Its products include mortgages and loans, as well as other banking services. The Bank provides services to individual, group, and corporate customers, including mortgage loan origination, housing finance, and financial support for micro, small, and medium-sized enterprises as part of its financial inclusion mandate.
62GF Score
Get the complete analysis for NSA:LIVINGTRUST
Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
NSA:LIVINGTRUST has been successfully added to your 
