San-in Godo BankTSE:8381 +0.50%51 Net Margin % is 15.45% as of Mar. 2026, which is 3% below its 10-year median of 16.01. GuruFocus rates TSE:8381 with a GF Score™ of 51/100 and a GF Value™ of 円1,424.39 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,527 Banks companies, San-in Godo Bank ranks worse than 73.61% on this metric.
The historical rank and industry rank for San-in Godo Bank's Net Margin % or its related term are showing as below:
TSE:8381'
s Net Margin % Range Over the Past 10 Years
Min: 11.67 Med: 16.01 Max: 18.54
Current: 18.54
TSE:8381's Net Margin % is ranked worse than 73.61% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs TSE:8381: 18.54
San-in Godo Bank (TSE:8381) 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.
San-in Godo Bank Net Margin % Related Terms
San-in Godo Bank Net Margin % Historical Data
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The historical data trend for San-in Godo 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.
San-in Godo Bank Net Margin % Competitor Comparison
For the Banks - Regional subindustry, San-in Godo 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.
San-in Godo Bank Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, San-in Godo Bank's Net Margin % distribution charts can be found below:
* The bar in red indicates where San-in Godo 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.
San-in Godo Bank (TSE:8381) has a Net Margin % of 15.45% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on San-in Godo Bank and its competitors. This is near median its historical median of 16.01. Over the past decade, San-in Godo Bank's Net Margin % has ranged from 11.67 to 18.54. According to the industry distribution chart, San-in Godo Bank ranks #1124 out of 1527 companies in the Banks industry, placing it in the top 73.6%.
Is San-in Godo Bank's Net Margin % too high?
San-in Godo Bank's current Net Margin % of 15.45% is near median its 10-year median of 16.01. Over the past 10 years, this metric has ranged from a low of 11.67 to a high of 18.54. The Banks industry median Net Margin % is 26.95. San-in Godo Bank's value of 15.45% is 42.7% below this industry median. Based on the distribution chart, San-in Godo Bank ranks #1124 out of 1527 companies in the Banks industry, which is below the industry midpoint. Overall, San-in Godo Bank has a GF Score™ of 51/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does San-in Godo Bank's Net Margin % compare to competitors?
According to the Banks industry distribution chart, San-in Godo Bank ranks #1124 out of 1527 companies for Net Margin %. This places San-in Godo Bank in the lower half of its industry. The industry median Net Margin % is 26.95. San-in Godo Bank's value of 15.45% is 42.7% below this benchmark. Historically, San-in Godo Bank's own Net Margin % has ranged from 11.67 to 18.54 over the past decade. While the company's 10-year median is 16.01 vs. the industry median of 26.95, San-in Godo 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 26.95, 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. San-in Godo Bank's current Net Margin % of 15.45% is 42.7% 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 San-in Godo Bank 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. San-in Godo Bank's current Net Margin % is 15.45%, which is near median its own 10-year median of 16.01. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is San-in Godo Bank stock overvalued right now?
Based on GuruFocus' analysis, San-in Godo Bank (TSE:8381) is currently considered Significantly Overvalued. The stock's GF Value™ is 円1,424.39, compared to a current price of 円2,227.00 — trading 56.3% above its estimated fair value. The current Net Margin % is 15.45%, which is near median its 10-year median of 16.01 and 42.7% below the Banks industry median of 26.95. San-in Godo Bank's overall GF Score™ is 51/100 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 San-in Godo Bank (TSE:8381), the current Net Margin % is 15.45% 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 San-in Godo Bank (TSE:8381) Overvalued in 2026?
Based on GuruFocus' analysis, San-in Godo Bank stock appears to be overvalued.
The current stock price of 円2,227.00 is trading 56.3% above its estimated GF Value™ of 円1,424.39.
GuruFocus considers San-in Godo Bank to be Significantly Overvalued.
Key valuation signals for TSE:8381:
Net Margin %: 15.45% (near median its 10-year median of 16.01)
GF Value™: 円1,424.39 vs. price of 円2,227.00 (56.3% above fair value)
Industry Position: 42.7% below the Banks median (#1124 of 1527)
No single metric tells the full story. See the TSE:8381 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
San-in Godo Bank Ltd is a Japanese bank group that operates in the San-in region of western Honshu. It also has a presence in the neighboring Sanyo region and the Hyogo prefecture. The group has two reportable service segments: banking and leasing. Banking constitutes a majority of the group's activities and consists of a deposit, loan, securities investment, and exchange business. The group also engages in a credit guarantee business. Loans and bills discounted and securities constitute a majority of the bank's earning assets.
51GF Score
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