Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Societe Generale GhanaXGHA:SOGEGH 63 Net Margin % is 18.76% as of Mar. 2026, which is 30% below its 10-year median of 26.69. GuruFocus rates XGHA:SOGEGH with a GF Score™ of 63/100 and a GF Value™ of GHS1.60 (Significantly Overvalued). The stock has 2 warning signs investors should review. Among 1,527 Banks companies, Societe Generale Ghana ranks worse than 58.22% on this metric.
The historical rank and industry rank for Societe Generale Ghana's Net Margin % or its related term are showing as below:
XGHA:SOGEGH'
s Net Margin % Range Over the Past 10 Years
Min: 11.06 Med: 26.69 Max: 37.9
Current: 24.35
XGHA:SOGEGH's Net Margin % is ranked worse than 58.22% of 1527
companies
in the Banks industry
Industry Median: 26.88
vs XGHA:SOGEGH: 24.35
Societe Generale Ghana (XGHA:SOGEGH) 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.
Societe Generale Ghana Net Margin % Related Terms
Societe Generale Ghana Net Margin % Historical Data
* 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, Societe Generale Ghana'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.
Societe Generale Ghana Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Societe Generale Ghana's Net Margin % distribution charts can be found below:
* The bar in red indicates where Societe Generale Ghana'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.
Societe Generale Ghana (XGHA:SOGEGH) has a Net Margin % of 18.76% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Societe Generale Ghana and its competitors. This is 30% below median its historical median of 26.69. Over the past decade, Societe Generale Ghana's Net Margin % has ranged from 11.06 to 37.90. According to the industry distribution chart, Societe Generale Ghana ranks #889 out of 1527 companies in the Banks industry, placing it in the top 58.2%.
Is Societe Generale Ghana's Net Margin % too high?
Societe Generale Ghana's current Net Margin % of 18.76% is 30% below median its 10-year median of 26.69. Over the past 10 years, this metric has ranged from a low of 11.06 to a high of 37.90. The Banks industry median Net Margin % is 26.88. Societe Generale Ghana's value of 18.76% is 30.2% below this industry median. Based on the distribution chart, Societe Generale Ghana ranks #889 out of 1527 companies in the Banks industry, which is below the industry midpoint. Overall, Societe Generale Ghana has a GF Score™ of 63/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Societe Generale Ghana's Net Margin % compare to PNC?
According to the Banks industry distribution chart, Societe Generale Ghana ranks #889 out of 1527 companies for Net Margin %. This places Societe Generale Ghana in the lower half of its industry. The industry median Net Margin % is 26.88. Societe Generale Ghana's value of 18.76% is 30.2% below this benchmark. Historically, Societe Generale Ghana's own Net Margin % has ranged from 11.06 to 37.90 over the past decade. While the company's 10-year median is 26.69 vs. the industry median of 26.88, Societe Generale Ghana 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 26.88, 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. Societe Generale Ghana's current Net Margin % of 18.76% is 30.2% 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 Societe Generale Ghana and its competitors. For the Banks industry, the median Net Margin % is 26.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Societe Generale Ghana's current Net Margin % is 18.76%, which is 30% below median its own 10-year median of 26.69. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Societe Generale Ghana stock overvalued right now?
Based on GuruFocus' analysis, Societe Generale Ghana (XGHA:SOGEGH) is currently considered Significantly Overvalued. The stock's GF Value™ is GHS1.60, compared to a current price of GHS6.80 — trading 325% above its estimated fair value. The current Net Margin % is 18.76%, which is 30% below median its 10-year median of 26.69 and 30.2% below the Banks industry median of 26.88. Societe Generale Ghana's overall GF Score™ is 63/100 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 Societe Generale Ghana (XGHA:SOGEGH), the current Net Margin % is 18.76% 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 Societe Generale Ghana (XGHA:SOGEGH) Overvalued in 2026?
Based on GuruFocus' analysis, Societe Generale Ghana stock appears to be overvalued.
The current stock price of GHS6.80 is trading 325% above its estimated GF Value™ of GHS1.60.
GuruFocus considers Societe Generale Ghana to be Significantly Overvalued.
Key valuation signals for XGHA:SOGEGH:
Net Margin %: 18.76% (30% below median its 10-year median of 26.69)
GF Value™: GHS1.60 vs. price of GHS6.80 (325% above fair value)
Industry Position: 30.2% below the Banks median (#889 of 1527)
No single metric tells the full story. See the XGHA:SOGEGH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Societe Generale Ghana PLC is a financial institution that provides retail banking, corporate banking, investment banking, and other financial intermediary financial services to individuals and corporates. Its business lines include Retail Banking, Corporate Banking and Treasury. The retail banking unit serve the needs of individuals, high net worth clients, and institutional clients. Corporate banking is responsible for providing loans and other credit facilities, as well as mobilizing deposits. The Treasury unit undertakes the bank's funding activities.
63GF Score
Get the complete analysis for XGHA:SOGEGH
Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
XGHA:SOGEGH has been successfully added to your 
