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LHV Group ASSTU:ASU0 -0.46%78 Net Margin % is 32.91% as of Jun. 2026, which is 12% below its 10-year median of 37.48. GuruFocus rates STU:ASU0 with a GF Score™ of 78/100 and a GF Value™ of €3.28 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,525 Banks companies, LHV Group AS ranks better than 69.9% on this metric.
Net margin is calculated as Net Income divided by its Revenue. LHV Group AS's Net Income for the
three
months ended in Jun. 2026 was €24.1 Mil. LHV Group AS's Revenue for the
three
months ended in Jun. 2026 was €73.3 Mil. Therefore, LHV Group AS's net margin for the quarter that ended in Jun. 2026 was 32.91%.
The historical rank and industry rank for LHV Group AS's Net Margin % or its related term are showing as below:
STU:ASU0'
s Net Margin % Range Over the Past 10 Years
Min: 33.38 Med: 37.48 Max: 45.69
Current: 33.38
STU:ASU0's Net Margin % is ranked better than 69.9% of 1525
companies
in the Banks industry
Industry Median: 27.29
vs STU:ASU0: 33.38
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.
LHV Group AS Net Margin % Related Terms
LHV Group AS Net Margin % Historical Data
* Premium members only.
The historical data trend for LHV Group AS'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, LHV Group AS'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.
LHV Group AS Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, LHV Group AS's Net Margin % distribution charts can be found below:
* The bar in red indicates where LHV Group AS'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.
LHV Group AS (STU:ASU0) has a Net Margin % of 32.91% as of Jun. 2026. Net margin is the ratio of total net income to net sales. View historical data on LHV Group AS and its competitors. This is 12% below median its historical median of 37.48. Over the past decade, LHV Group AS's Net Margin % has ranged from 33.38 to 45.69. According to the industry distribution chart, LHV Group AS ranks #459 out of 1525 companies in the Banks industry, placing it in the top 30.1%.
Is LHV Group AS's Net Margin % too high?
LHV Group AS's current Net Margin % of 32.91% is 12% below median its 10-year median of 37.48. Over the past 10 years, this metric has ranged from a low of 33.38 to a high of 45.69. The Banks industry median Net Margin % is 27.29. LHV Group AS's value of 32.91% is 20.6% above this industry median. Based on the distribution chart, LHV Group AS ranks #459 out of 1525 companies in the Banks industry, which is above the industry midpoint. Overall, LHV Group AS has a GF Score™ of 78/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does LHV Group AS's Net Margin % compare to PNC and USB?
According to the Banks industry distribution chart, LHV Group AS ranks #459 out of 1525 companies for Net Margin %. This puts LHV Group AS in the upper half of its industry. The industry median Net Margin % is 27.29. LHV Group AS's value of 32.91% is 20.6% above this benchmark. Historically, LHV Group AS's own Net Margin % has ranged from 33.38 to 45.69 over the past decade. While the company's 10-year median is 37.48 vs. the industry median of 27.29, LHV Group AS 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 27.29, 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. LHV Group AS's current Net Margin % of 32.91% is 20.6% 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 LHV Group AS and its competitors. For the Banks industry, the median Net Margin % is 27.29 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. LHV Group AS's current Net Margin % is 32.91%, which is 12% below median its own 10-year median of 37.48. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is LHV Group AS stock overvalued right now?
Based on GuruFocus' analysis, LHV Group AS (STU:ASU0) is currently considered Fairly Valued. The stock's GF Value™ is €3.28, compared to a current price of €3.23 — trading 1.5% below its estimated fair value. The current Net Margin % is 32.91%, which is 12% below median its 10-year median of 37.48 and 20.6% above the Banks industry median of 27.29. LHV Group AS's overall GF Score™ is 78/100 with 4 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 LHV Group AS (STU:ASU0), the current Net Margin % is 32.91% as of Jun. 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 LHV Group AS (STU:ASU0) Overvalued in 2026?
Based on GuruFocus' analysis, LHV Group AS stock appears to be undervalued.
The current stock price of €3.23 is trading 1.5% below its estimated GF Value™ of €3.28.
GuruFocus considers LHV Group AS to be Fairly Valued.
Key valuation signals for STU:ASU0:
Net Margin %: 32.91% (12% below median its 10-year median of 37.48)
GF Value™: €3.28 vs. price of €3.23 (1.5% below fair value)
Industry Position: 20.6% above the Banks median (#459 of 1525)
No single metric tells the full story. See the STU:ASU0 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
LHV Group AS operates as a holding company. The Group provides a wide range of financial services, including banking, investment and asset management, insurance, and other financial services in Estonia and the United Kingdom. It operates through its subsidiaries: LHV Pank, LHV Bank, LHV Varahaldus, LHV Kindlustus, and Other. The LHV Pank segment, contributes the maximum share of the Group's revenue, includes retail and corporate banking services in Estonia, offering loans, payment solution, investment, and savings products. LHV Bank offers banking services to financial intermediaries and fintech companies, SME lending, and retail banking in the United Kingdom. LHV Varahaldus is engaged in pension fund and asset management. LHV Kindlustus offers a range of non-life insurance products.
78GF Score
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