Kvika Banki hfOISE:KVIKA +0.76%57 Net Margin % is 27.88% as of Mar. 2026, which is 12% below its 10-year median of 31.78. GuruFocus rates OISE:KVIKA with a GF Score™ of 57/100 and a GF Value™ of kr22.47 (Possible Value Trap). The stock has 3 warning signs investors should review. Among 1,528 Banks companies, Kvika Banki hf ranks better than 53.47% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Kvika Banki hf's Net Income for the
three
months ended in Mar. 2026 was kr1,371 Mil. Kvika Banki hf's Revenue for the
three
months ended in Mar. 2026 was kr4,917 Mil. Therefore, Kvika Banki hf's net margin for the quarter that ended in Mar. 2026 was 27.88%.
The historical rank and industry rank for Kvika Banki hf's Net Margin % or its related term are showing as below:
OISE:KVIKA'
s Net Margin % Range Over the Past 10 Years
Min: 27.08 Med: 31.78 Max: 48.55
Current: 27.71
OISE:KVIKA's Net Margin % is ranked better than 53.47% of 1528
companies
in the Banks industry
Industry Median: 26.845
vs OISE:KVIKA: 27.71
Kvika Banki hf (OISE:KVIKA) 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.
Kvika Banki hf Net Margin % Related Terms
Kvika Banki hf Net Margin % Historical Data
* Premium members only.
The historical data trend for Kvika Banki hf'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, Kvika Banki hf'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.
Kvika Banki hf Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Kvika Banki hf's Net Margin % distribution charts can be found below:
* The bar in red indicates where Kvika Banki hf'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.
Kvika Banki hf (OISE:KVIKA) has a Net Margin % of 27.88% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Kvika Banki hf and its competitors. This is 12% below median its historical median of 31.78. Over the past decade, Kvika Banki hf's Net Margin % has ranged from 27.08 to 48.55. According to the industry distribution chart, Kvika Banki hf ranks #711 out of 1528 companies in the Banks industry, placing it in the top 46.5%.
Is Kvika Banki hf's Net Margin % too high?
Kvika Banki hf's current Net Margin % of 27.88% is 12% below median its 10-year median of 31.78. Over the past 10 years, this metric has ranged from a low of 27.08 to a high of 48.55. The Banks industry median Net Margin % is 26.85. Kvika Banki hf's value of 27.88% is 3.9% above this industry median. Based on the distribution chart, Kvika Banki hf ranks #711 out of 1528 companies in the Banks industry, which is above the industry midpoint. Overall, Kvika Banki hf has a GF Score™ of 57/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Kvika Banki hf's Net Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Kvika Banki hf ranks #711 out of 1528 companies for Net Margin %. This puts Kvika Banki hf in the upper half of its industry. The industry median Net Margin % is 26.85. Kvika Banki hf's value of 27.88% is 3.9% above this benchmark. Historically, Kvika Banki hf's own Net Margin % has ranged from 27.08 to 48.55 over the past decade. While the company's 10-year median is 31.78 vs. the industry median of 26.85, Kvika Banki hf 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 26.85, based on 1,528 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. Kvika Banki hf's current Net Margin % of 27.88% is 3.9% 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 Kvika Banki hf and its competitors. For the Banks industry, the median Net Margin % is 26.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Kvika Banki hf's current Net Margin % is 27.88%, which is 12% below median its own 10-year median of 31.78. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Kvika Banki hf stock overvalued right now?
Based on GuruFocus' analysis, Kvika Banki hf (OISE:KVIKA) is currently considered Possible Value Trap. The stock's GF Value™ is kr22.47, compared to a current price of kr13.30 — trading 40.8% below its estimated fair value. The current Net Margin % is 27.88%, which is 12% below median its 10-year median of 31.78 and 3.9% above the Banks industry median of 26.85. Kvika Banki hf's overall GF Score™ is 57/100 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 Kvika Banki hf (OISE:KVIKA), the current Net Margin % is 27.88% 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 Kvika Banki hf (OISE:KVIKA) Overvalued in 2026?
Based on GuruFocus' analysis, Kvika Banki hf stock appears to be undervalued.
The current stock price of kr13.30 is trading 40.8% below its estimated GF Value™ of kr22.47.
GuruFocus considers Kvika Banki hf to be Possible Value Trap.
Key valuation signals for OISE:KVIKA:
Net Margin %: 27.88% (12% below median its 10-year median of 31.78)
GF Value™: kr22.47 vs. price of kr13.30 (40.8% below fair value)
Industry Position: 3.9% above the Banks median (#711 of 1528)
No single metric tells the full story. See the OISE:KVIKA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Kvika Banki hf is a financial services company with operations in Iceland and the United Kingdom. It delivers its services mainly online and offers solutions in asset management, payments, and banking for individuals, businesses, and investors. The company operates in four business segments: Commercial Banking, Investment Banking, which generates maximum revenue, Asset Management, and UK operations, through its subsidiaries. Retail financial services are delivered through specialized consumer brands such as Audur, Aur, and Netgiro, while corporate and institutional services are provided under the Kvika brand. In the UK, the bank operates under the Kvika and Ortus Secured Finance brands.
57GF Score
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