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NCB Financial GroupXJAM:NCBFG -1.02%60 Net Margin % is 6.80% as of Dec. 2025, which is 46% below its 10-year median of 12.58. GuruFocus rates XJAM:NCBFG with a GF Score™ of 60/100 and a GF Value™ of JMD39.49 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 110 Diversified Financial Services companies, NCB Financial Group ranks better than 67.27% on this metric.
The historical rank and industry rank for NCB Financial Group's Net Margin % or its related term are showing as below:
XJAM:NCBFG'
s Net Margin % Range Over the Past 10 Years
Min: 1.04 Med: 12.58 Max: 39.22
Current: 16
XJAM:NCBFG's Net Margin % is ranked better than 67.27% of 110
companies
in the Diversified Financial Services industry
Industry Median: 7.785
vs XJAM:NCBFG: 16.00
NCB Financial Group (XJAM:NCBFG) 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.
NCB Financial Group Net Margin % Related Terms
NCB Financial Group Net Margin % Historical Data
* Premium members only.
The historical data trend for NCB Financial Group'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 Financial Conglomerates subindustry, NCB Financial Group'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.
NCB Financial Group Net Margin % vs Diversified Financial Services Industry
For the Diversified Financial Services industry and Financial Services sector, NCB Financial Group's Net Margin % distribution charts can be found below:
* The bar in red indicates where NCB Financial Group'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.
NCB Financial Group (XJAM:NCBFG) has a Net Margin % of 6.80% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on NCB Financial Group and its competitors. This is 46% below median its historical median of 12.58. Over the past decade, NCB Financial Group's Net Margin % has ranged from 1.04 to 39.22. According to the industry distribution chart, NCB Financial Group ranks #36 out of 110 companies in the Diversified Financial Services industry, placing it in the top 32.7%.
Is NCB Financial Group's Net Margin % too high?
NCB Financial Group's current Net Margin % of 6.80% is 46% below median its 10-year median of 12.58. Over the past 10 years, this metric has ranged from a low of 1.04 to a high of 39.22. The Diversified Financial Services industry median Net Margin % is 7.79. NCB Financial Group's value of 6.80% is 12.7% below this industry median. Based on the distribution chart, NCB Financial Group ranks #36 out of 110 companies in the Diversified Financial Services industry, which is above the industry midpoint. Overall, NCB Financial Group has a GF Score™ of 60/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does NCB Financial Group's Net Margin % compare to FRHC and VOYA?
According to the Diversified Financial Services industry distribution chart, NCB Financial Group ranks #36 out of 110 companies for Net Margin %. This puts NCB Financial Group in the upper half of its industry. The industry median Net Margin % is 7.79. NCB Financial Group's value of 6.80% is 12.7% below this benchmark. Historically, NCB Financial Group's own Net Margin % has ranged from 1.04 to 39.22 over the past decade. While the company's 10-year median is 12.58 vs. the industry median of 7.79, NCB Financial Group 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 Diversified Financial Services company?
The median Net Margin % among Diversified Financial Services companies is 7.79, based on 110 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. NCB Financial Group's current Net Margin % of 6.80% is 12.7% 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 NCB Financial Group and its competitors. For the Diversified Financial Services industry, the median Net Margin % is 7.79 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. NCB Financial Group's current Net Margin % is 6.80%, which is 46% below median its own 10-year median of 12.58. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is NCB Financial Group stock overvalued right now?
Based on GuruFocus' analysis, NCB Financial Group (XJAM:NCBFG) is currently considered Significantly Overvalued. The stock's GF Value™ is JMD39.49, compared to a current price of JMD74.00 — trading 87.4% above its estimated fair value. The current Net Margin % is 6.80%, which is 46% below median its 10-year median of 12.58 and 12.7% below the Diversified Financial Services industry median of 7.79. NCB Financial Group's overall GF Score™ is 60/100 with 6 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 NCB Financial Group (XJAM:NCBFG), the current Net Margin % is 6.80% as of Dec. 2025. 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 NCB Financial Group (XJAM:NCBFG) Overvalued in 2026?
Based on GuruFocus' analysis, NCB Financial Group stock appears to be overvalued.
The current stock price of JMD74.00 is trading 87.4% above its estimated GF Value™ of JMD39.49.
GuruFocus considers NCB Financial Group to be Significantly Overvalued.
Key valuation signals for XJAM:NCBFG:
Net Margin %: 6.80% (46% below median its 10-year median of 12.58)
GF Value™: JMD39.49 vs. price of JMD74.00 (87.4% above fair value)
Industry Position: 12.7% below the Diversified Financial Services median (#36 of 110)
No single metric tells the full story. See the XJAM:NCBFG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
NCB Financial Group Ltd provides financial services. Its segments comprise Banking and Investment Activities which includes Consumer & SME Banking, Corporate and Commerical Banking, Payment services, Treasury and Correspondent banking, Wealth, Asset management, and Investment Banking; And Insurance Activities Life and Health Insurance and pension Management, and General Insurance. Maximum revenue is from Life and Health Insurance and pension Management sector, with maximum profit from Jamaica and Trinidad and Tobago.
60GF Score
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