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CAL BankXGHA:CAL Net Margin % is 36.30% as of Jun. 2026, which is 19% above its 10-year median of 30.42. The stock has 5 warning signs investors should review. Among 1,526 Banks companies, CAL Bank ranks better than 63.5% on this metric.
Net margin is calculated as Net Income divided by its Revenue. CAL Bank's Net Income for the
three
months ended in Jun. 2026 was GHS134 Mil. CAL Bank's Revenue for the
three
months ended in Jun. 2026 was GHS369 Mil. Therefore, CAL Bank's net margin for the quarter that ended in Jun. 2026 was 36.30%.
The historical rank and industry rank for CAL Bank's Net Margin % or its related term are showing as below:
XGHA:CAL'
s Net Margin % Range Over the Past 10 Years
Min: -71.32 Med: 30.42 Max: 246.06
Current: 31.15
XGHA:CAL's Net Margin % is ranked better than 63.5% of 1526
companies
in the Banks industry
Industry Median: 27.095
vs XGHA:CAL: 31.15
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.
CAL Bank Net Margin % Related Terms
CAL Bank Net Margin % Historical Data
* Premium members only.
The historical data trend for CAL 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, CAL 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.
CAL Bank Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, CAL Bank's Net Margin % distribution charts can be found below:
* The bar in red indicates where CAL 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.
CAL Bank (XGHA:CAL) has a Net Margin % of 36.30% as of Jun. 2026. Net margin is the ratio of total net income to net sales. View historical data on CAL Bank and its competitors. This is 19% above median its historical median of 30.42. According to the industry distribution chart, CAL Bank ranks #557 out of 1526 companies in the Banks industry, placing it in the top 36.5%.
Is CAL Bank's Net Margin % too high?
CAL Bank's current Net Margin % of 36.30% is 19% above median its 10-year median of 30.42. The Banks industry median Net Margin % is 27.10. CAL Bank's value of 36.30% is 34% above this industry median. Based on the distribution chart, CAL Bank ranks #557 out of 1526 companies in the Banks industry, which is above the industry midpoint.
How does CAL Bank's Net Margin % compare to PNC?
According to the Banks industry distribution chart, CAL Bank ranks #557 out of 1526 companies for Net Margin %. This puts CAL Bank in the upper half of its industry. The industry median Net Margin % is 27.10. CAL Bank's value of 36.30% is 34% above this benchmark. While the company's 10-year median is 30.42 vs. the industry median of 27.10, CAL Bank 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 27.10, 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. CAL Bank's current Net Margin % of 36.30% is 34% 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 CAL Bank and its competitors. For the Banks industry, the median Net Margin % is 27.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CAL Bank's current Net Margin % is 36.30%, which is 19% above median its own 10-year median of 30.42. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CAL Bank stock overvalued right now?
CAL Bank (XGHA:CAL) has a current Net Margin % of 36.30%. The current Net Margin % is 36.30%, which is 19% above median its 10-year median of 30.42 and 34% above the Banks industry median of 27.10. 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 CAL Bank (XGHA:CAL), the current Net Margin % is 36.30% 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.
CAL Bank Ltd is mainly engaged in providing banking solutions in Ghana. Its reportable segments are: Corporate Banking, Consumer & Commercial Banking, Treasury, and Asset Management. Maximum revenue is derived from the Treasury segment, which undertakes the Bank's funding and centralised risk management activities. The Corporate Banking segment offers loans, deposits, and other services to corporate clients, institutional clients, and public sector entities; the Consumer & Commercial Banking segment provides traditional banking and other financial services such as funds transfer, standing orders, and ATM card service to small and medium enterprises, and individual customers; and the Asset Management segment offers asset and portfolio management and investment advisory services.
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