Seven BankSVNBY 80 Net Margin % is 13.32% as of Mar. 2026, which is 38% below its 10-year median of 21.53. GuruFocus rates SVNBY with a GF Score™ of 80/100 and a GF Value™ of $27.55 (Significantly Undervalued). The stock has 2 warning signs investors should review. Among 1,526 Banks companies, Seven Bank ranks worse than 89.91% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Seven Bank's Net Income for the
three
months ended in Mar. 2026 was $30 Mil. Seven Bank's Revenue for the
three
months ended in Mar. 2026 was $222 Mil. Therefore, Seven Bank's net margin for the quarter that ended in Mar. 2026 was 13.32%.
The historical rank and industry rank for Seven Bank's Net Margin % or its related term are showing as below:
SVNBY'
s Net Margin % Range Over the Past 10 Years
Min: 8.34 Med: 21.53 Max: 25.75
Current: 8.34
SVNBY's Net Margin % is ranked worse than 89.91% of 1526
companies
in the Banks industry
Industry Median: 26.97
vs SVNBY: 8.34
Seven Bank (OTCPK:SVNBY) 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.
Seven Bank Net Margin % Related Terms
Seven Bank Net Margin % Historical Data
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The historical data trend for Seven Bank'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, Seven 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.
Seven Bank Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Seven Bank's Net Margin % distribution charts can be found below:
* The bar in red indicates where Seven 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.
Seven Bank (SVNBY) has a Net Margin % of 13.32% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Seven Bank and its competitors. This is 38% below median its historical median of 21.53. Over the past decade, Seven Bank's Net Margin % has ranged from 8.34 to 25.75. According to the industry distribution chart, Seven Bank ranks #1372 out of 1526 companies in the Banks industry, placing it in the top 89.9%.
Is Seven Bank's Net Margin % too high?
Seven Bank's current Net Margin % of 13.32% is 38% below median its 10-year median of 21.53. Over the past 10 years, this metric has ranged from a low of 8.34 to a high of 25.75. The Banks industry median Net Margin % is 26.97. Seven Bank's value of 13.32% is 50.6% below this industry median. Based on the distribution chart, Seven Bank ranks #1372 out of 1526 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Seven Bank has a GF Score™ of 80/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Seven Bank's Net Margin % compare to competitors?
According to the Banks industry distribution chart, Seven Bank ranks #1372 out of 1526 companies for Net Margin %. This places Seven Bank in the lower half of its industry. The industry median Net Margin % is 26.97. Seven Bank's value of 13.32% is 50.6% below this benchmark. Historically, Seven Bank's own Net Margin % has ranged from 8.34 to 25.75 over the past decade. While the company's 10-year median is 21.53 vs. the industry median of 26.97, Seven Bank 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 26.97, based on 1,526 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. Seven Bank's current Net Margin % of 13.32% is 50.6% 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 Seven Bank and its competitors. For the Banks industry, the median Net Margin % is 26.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Seven Bank's current Net Margin % is 13.32%, which is 38% below median its own 10-year median of 21.53. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Seven Bank stock overvalued right now?
Based on GuruFocus' analysis, Seven Bank (SVNBY) is currently considered Significantly Undervalued. The stock's GF Value™ is $27.55, compared to a current price of $14.95 — trading 45.7% below its estimated fair value. The current Net Margin % is 13.32%, which is 38% below median its 10-year median of 21.53 and 50.6% below the Banks industry median of 26.97. Seven Bank's overall GF Score™ is 80/100 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 Seven Bank (SVNBY), the current Net Margin % is 13.32% 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 Seven Bank (SVNBY) Overvalued in 2026?
Based on GuruFocus' analysis, Seven Bank stock appears to be undervalued.
The current stock price of $14.95 is trading 45.7% below its estimated GF Value™ of $27.55.
GuruFocus considers Seven Bank to be Significantly Undervalued.
Key valuation signals for SVNBY:
Net Margin %: 13.32% (38% below median its 10-year median of 21.53)
GF Value™: $27.55 vs. price of $14.95 (45.7% below fair value)
Industry Position: 50.6% below the Banks median (#1372 of 1526)
No single metric tells the full story. See the SVNBY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Seven Bank Ltd is a Japan-based business bank. It operates a network of ATMs in partnership with financial institutions across Japan. The company's business segments include the ATM Services segment and the Financial Services segment. The ATM Services segment, provides deposits, withdrawals, and bank transfers at more than 22,000 Seven Bank ATMs nationwide using the cards of more than 590 partner institutions. The Financial Services segment provides convenient account-related services, such as ordinary deposits, time deposits, personal loans and international money transfers, which are accessible from not only Seven Bank ATMs but also personal computers and smartphones. Also, the company provides ATM services overseas and back-office support on commission through its subsidiaries.
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