Hua Xia Bank CoSHSE:600015 -2.11%55 Net Margin % is 20.25% as of Mar. 2026, which is 29% below its 10-year median of 28.40. GuruFocus rates SHSE:600015 with a GF Score™ of 55/100 and a GF Value™ of ¥7.33 (Modestly Undervalued). The stock has 1 warning sign investors should review. Among 1,530 Banks companies, Hua Xia Bank Co ranks better than 53.07% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Hua Xia Bank Co's Net Income for the
three
months ended in Mar. 2026 was ¥4,987 Mil. Hua Xia Bank Co's Revenue for the
three
months ended in Mar. 2026 was ¥24,623 Mil. Therefore, Hua Xia Bank Co's net margin for the quarter that ended in Mar. 2026 was 20.25%.
The historical rank and industry rank for Hua Xia Bank Co's Net Margin % or its related term are showing as below:
SHSE:600015'
s Net Margin % Range Over the Past 10 Years
Min: 22.32 Med: 28.4 Max: 30.73
Current: 27.58
SHSE:600015's Net Margin % is ranked better than 53.07% of 1530
companies
in the Banks industry
Industry Median: 26.845
vs SHSE:600015: 27.58
Hua Xia Bank Co (SHSE:600015) 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.
Hua Xia Bank Co Net Margin % Related Terms
Hua Xia Bank Co Net Margin % Historical Data
* Premium members only.
The historical data trend for Hua Xia Bank Co'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.
Hua Xia Bank Co Net Margin % Competitor Comparison
For the Banks - Regional subindustry, Hua Xia Bank 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.
Hua Xia Bank Co Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Hua Xia Bank Co's Net Margin % distribution charts can be found below:
* The bar in red indicates where Hua Xia Bank 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.
Hua Xia Bank Co (SHSE:600015) has a Net Margin % of 20.25% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Hua Xia Bank Co and its competitors. This is 29% below median its historical median of 28.40. Over the past decade, Hua Xia Bank Co's Net Margin % has ranged from 22.32 to 30.73. According to the industry distribution chart, Hua Xia Bank Co ranks #718 out of 1530 companies in the Banks industry, placing it in the top 46.9%.
Is Hua Xia Bank Co's Net Margin % too high?
Hua Xia Bank Co's current Net Margin % of 20.25% is 29% below median its 10-year median of 28.40. Over the past 10 years, this metric has ranged from a low of 22.32 to a high of 30.73. The Banks industry median Net Margin % is 26.85. Hua Xia Bank Co's value of 20.25% is 24.6% below this industry median. Based on the distribution chart, Hua Xia Bank Co ranks #718 out of 1530 companies in the Banks industry, which is above the industry midpoint. Overall, Hua Xia Bank Co has a GF Score™ of 55/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Hua Xia Bank Co's Net Margin % compare to competitors?
According to the Banks industry distribution chart, Hua Xia Bank Co ranks #718 out of 1530 companies for Net Margin %. This puts Hua Xia Bank Co in the upper half of its industry. The industry median Net Margin % is 26.85. Hua Xia Bank Co's value of 20.25% is 24.6% below this benchmark. Historically, Hua Xia Bank Co's own Net Margin % has ranged from 22.32 to 30.73 over the past decade. While the company's 10-year median is 28.40 vs. the industry median of 26.85, Hua Xia Bank Co 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 26.85, based on 1,530 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. Hua Xia Bank Co's current Net Margin % of 20.25% is 24.6% 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 Hua Xia Bank Co 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. Hua Xia Bank Co's current Net Margin % is 20.25%, which is 29% below median its own 10-year median of 28.40. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Hua Xia Bank Co stock overvalued right now?
Based on GuruFocus' analysis, Hua Xia Bank Co (SHSE:600015) is currently considered Modestly Undervalued. The stock's GF Value™ is ¥7.33, compared to a current price of ¥6.51 — trading 11.2% below its estimated fair value. The current Net Margin % is 20.25%, which is 29% below median its 10-year median of 28.40 and 24.6% below the Banks industry median of 26.85. Hua Xia Bank Co's overall GF Score™ is 55/100 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 Hua Xia Bank Co (SHSE:600015), the current Net Margin % is 20.25% 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 Hua Xia Bank Co (SHSE:600015) Overvalued in 2026?
Based on GuruFocus' analysis, Hua Xia Bank Co stock appears to be undervalued.
The current stock price of ¥6.51 is trading 11.2% below its estimated GF Value™ of ¥7.33.
GuruFocus considers Hua Xia Bank Co to be Modestly Undervalued.
Key valuation signals for SHSE:600015:
Net Margin %: 20.25% (29% below median its 10-year median of 28.40)
GF Value™: ¥7.33 vs. price of ¥6.51 (11.2% below fair value)
Industry Position: 24.6% below the Banks median (#718 of 1530)
No single metric tells the full story. See the SHSE:600015 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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