SBI AruhiTSE:7198 +1.41%62 Net Margin % is 1.44% as of Mar. 2026, which is 91% below its 10-year median of 15.93. GuruFocus rates TSE:7198 with a GF Score™ of 62/100 and a GF Value™ of 円903.68 (Modestly Undervalued). The stock has 9 warning signs investors should review. Among 1,530 Banks companies, SBI Aruhi ranks worse than 90.92% on this metric.
Net margin is calculated as Net Income divided by its Revenue. SBI Aruhi's Net Income for the
three
months ended in Mar. 2026 was 円88 Mil. SBI Aruhi's Revenue for the
three
months ended in Mar. 2026 was 円6,101 Mil. Therefore, SBI Aruhi's net margin for the quarter that ended in Mar. 2026 was 1.44%.
The historical rank and industry rank for SBI Aruhi's Net Margin % or its related term are showing as below:
TSE:7198'
s Net Margin % Range Over the Past 10 Years
Min: 7.18 Med: 15.93 Max: 23.34
Current: 7.18
TSE:7198's Net Margin % is ranked worse than 90.92% of 1530
companies
in the Banks industry
Industry Median: 26.845
vs TSE:7198: 7.18
SBI Aruhi (TSE:7198) 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.
SBI Aruhi Net Margin % Related Terms
SBI Aruhi Net Margin % Historical Data
* Premium members only.
The historical data trend for SBI Aruhi'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.
TSE:7198 vs RKT, FNMA, PFSI: Net Margin % Comparison
For the Mortgage Finance subindustry, SBI Aruhi'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.
SBI Aruhi Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, SBI Aruhi's Net Margin % distribution charts can be found below:
* The bar in red indicates where SBI Aruhi'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.
SBI Aruhi (TSE:7198) has a Net Margin % of 1.44% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on SBI Aruhi and its competitors. This is 91% below median its historical median of 15.93. Over the past decade, SBI Aruhi's Net Margin % has ranged from 7.18 to 23.34. According to the industry distribution chart, SBI Aruhi ranks #1391 out of 1530 companies in the Banks industry, placing it in the top 90.9%.
Is SBI Aruhi's Net Margin % too high?
SBI Aruhi's current Net Margin % of 1.44% is 91% below median its 10-year median of 15.93. Over the past 10 years, this metric has ranged from a low of 7.18 to a high of 23.34. The Banks industry median Net Margin % is 26.85. SBI Aruhi's value of 1.44% is 94.6% below this industry median. Based on the distribution chart, SBI Aruhi ranks #1391 out of 1530 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, SBI Aruhi has a GF Score™ of 62/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does SBI Aruhi's Net Margin % compare to RKT and FNMA?
According to the Banks industry distribution chart, SBI Aruhi ranks #1391 out of 1530 companies for Net Margin %. This places SBI Aruhi in the lower half of its industry. The industry median Net Margin % is 26.85. SBI Aruhi's value of 1.44% is 94.6% below this benchmark. Historically, SBI Aruhi's own Net Margin % has ranged from 7.18 to 23.34 over the past decade. While the company's 10-year median is 15.93 vs. the industry median of 26.85, SBI Aruhi 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. SBI Aruhi's current Net Margin % of 1.44% is 94.6% 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 SBI Aruhi 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. SBI Aruhi's current Net Margin % is 1.44%, which is 91% below median its own 10-year median of 15.93. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SBI Aruhi stock overvalued right now?
Based on GuruFocus' analysis, SBI Aruhi (TSE:7198) is currently considered Modestly Undervalued. The stock's GF Value™ is 円903.68, compared to a current price of 円792.00 — trading 12.4% below its estimated fair value. The current Net Margin % is 1.44%, which is 91% below median its 10-year median of 15.93 and 94.6% below the Banks industry median of 26.85. SBI Aruhi's overall GF Score™ is 62/100 with 9 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 SBI Aruhi (TSE:7198), the current Net Margin % is 1.44% 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 SBI Aruhi (TSE:7198) Overvalued in 2026?
Based on GuruFocus' analysis, SBI Aruhi stock appears to be undervalued.
The current stock price of 円792.00 is trading 12.4% below its estimated GF Value™ of 円903.68.
GuruFocus considers SBI Aruhi to be Modestly Undervalued.
Key valuation signals for TSE:7198:
Net Margin %: 1.44% (91% below median its 10-year median of 15.93)
GF Value™: 円903.68 vs. price of 円792.00 (12.4% below fair value)
Industry Position: 94.6% below the Banks median (#1391 of 1530)
No single metric tells the full story. See the TSE:7198 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
SBI Aruhi Corp is a Japan-based mortgage specialist financial institution. The company provides insurance brokerage, mortgage lending, bank agency and other services.
62GF Score
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