Instabank ASAOSL:INSTA +0.50%57 Net Margin % is 18.24% as of Mar. 2026, which is 9% below its 10-year median of 19.94. GuruFocus rates OSL:INSTA with a GF Score™ of 57/100 and a GF Value™ of kr2.54 (Significantly Overvalued). The stock has 2 warning signs investors should review. Among 1,527 Banks companies, Instabank ASA ranks worse than 70.14% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Instabank ASA's Net Income for the
three
months ended in Mar. 2026 was kr32.7 Mil. Instabank ASA's Revenue for the
three
months ended in Mar. 2026 was kr179.5 Mil. Therefore, Instabank ASA's net margin for the quarter that ended in Mar. 2026 was 18.24%.
The historical rank and industry rank for Instabank ASA's Net Margin % or its related term are showing as below:
OSL:INSTA'
s Net Margin % Range Over the Past 10 Years
Min: 2.27 Med: 19.94 Max: 26.08
Current: 20.2
OSL:INSTA's Net Margin % is ranked worse than 70.14% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs OSL:INSTA: 20.20
Instabank ASA (OSL:INSTA) 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.
Instabank ASA Net Margin % Related Terms
Instabank ASA Net Margin % Historical Data
* Premium members only.
The historical data trend for Instabank ASA'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, Instabank ASA'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.
Instabank ASA Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Instabank ASA's Net Margin % distribution charts can be found below:
* The bar in red indicates where Instabank ASA'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.
Instabank ASA (OSL:INSTA) has a Net Margin % of 18.24% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Instabank ASA and its competitors. This is near median its historical median of 19.94. Over the past decade, Instabank ASA's Net Margin % has ranged from 2.27 to 26.08. According to the industry distribution chart, Instabank ASA ranks #1071 out of 1527 companies in the Banks industry, placing it in the top 70.1%.
Is Instabank ASA's Net Margin % too high?
Instabank ASA's current Net Margin % of 18.24% is near median its 10-year median of 19.94. Over the past 10 years, this metric has ranged from a low of 2.27 to a high of 26.08. The Banks industry median Net Margin % is 26.95. Instabank ASA's value of 18.24% is 32.3% below this industry median. Based on the distribution chart, Instabank ASA ranks #1071 out of 1527 companies in the Banks industry, which is below the industry midpoint. Overall, Instabank ASA has a GF Score™ of 57/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Instabank ASA's Net Margin % compare to competitors?
According to the Banks industry distribution chart, Instabank ASA ranks #1071 out of 1527 companies for Net Margin %. This places Instabank ASA in the lower half of its industry. The industry median Net Margin % is 26.95. Instabank ASA's value of 18.24% is 32.3% below this benchmark. Historically, Instabank ASA's own Net Margin % has ranged from 2.27 to 26.08 over the past decade. While the company's 10-year median is 19.94 vs. the industry median of 26.95, Instabank ASA has consistently been below 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. Instabank ASA's current Net Margin % of 18.24% is 32.3% below 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 Instabank ASA 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. Instabank ASA's current Net Margin % is 18.24%, which is near median its own 10-year median of 19.94. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Instabank ASA stock overvalued right now?
Based on GuruFocus' analysis, Instabank ASA (OSL:INSTA) is currently considered Significantly Overvalued. The stock's GF Value™ is kr2.54, compared to a current price of kr4.03 — trading 58.7% above its estimated fair value. The current Net Margin % is 18.24%, which is near median its 10-year median of 19.94 and 32.3% below the Banks industry median of 26.95. Instabank ASA's overall GF Score™ is 57/100 with 2 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 Instabank ASA (OSL:INSTA), the current Net Margin % is 18.24% 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 Instabank ASA (OSL:INSTA) Overvalued in 2026?
Based on GuruFocus' analysis, Instabank ASA stock appears to be overvalued.
The current stock price of kr4.03 is trading 58.7% above its estimated GF Value™ of kr2.54.
GuruFocus considers Instabank ASA to be Significantly Overvalued.
Key valuation signals for OSL:INSTA:
Net Margin %: 18.24% (near median its 10-year median of 19.94)
GF Value™: kr2.54 vs. price of kr4.03 (58.7% above fair value)
Industry Position: 32.3% below the Banks median (#1071 of 1527)
No single metric tells the full story. See the OSL:INSTA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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