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Alatau City Bank JSC (XKAZ:TSBN) 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.
Alatau City Bank JSC Net Margin % Related Terms
Alatau City Bank JSC Net Margin % Historical Data
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The historical data trend for Alatau City Bank JSC'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.
Alatau City Bank JSC Net Margin % Competitor Comparison
For the Banks - Regional subindustry, Alatau City Bank JSC'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.
Alatau City Bank JSC Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Alatau City Bank JSC's Net Margin % distribution charts can be found below:
* The bar in red indicates where Alatau City Bank JSC'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.
Alatau City Bank JSC (XKAZ:TSBN) has a Net Margin % of 34.31% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Alatau City Bank JSC and its competitors. This is 19% below median its historical median of 42.56. Over the past decade, Alatau City Bank JSC's Net Margin % has ranged from 10.74 to 324.68.
Is Alatau City Bank JSC's Net Margin % too high?
Alatau City Bank JSC's current Net Margin % of 34.31% is 19% below median its 10-year median of 42.56. Over the past 10 years, this metric has ranged from a low of 10.74 to a high of 324.68. The Banks industry median Net Margin % is 27.20. Alatau City Bank JSC's value of 34.31% is 26.1% above this industry median. Overall, Alatau City Bank JSC has a GF Score™ of 15/100, reflecting its overall financial health beyond just this single metric.
How does Alatau City Bank JSC's Net Margin % compare to competitors?
Alatau City Bank JSC's Net Margin % of 34.31% can be compared against companies in the Banks industry. The industry median Net Margin % is 27.20. Alatau City Bank JSC's value of 34.31% is 26.1% above this benchmark. Historically, Alatau City Bank JSC's own Net Margin % has ranged from 10.74 to 324.68 over the past decade. While the company's 10-year median is 42.56 vs. the industry median of 27.20, Alatau City Bank JSC 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 27.20, 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. Alatau City Bank JSC's current Net Margin % of 34.31% is 26.1% 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 Alatau City Bank JSC and its competitors. For the Banks industry, the median Net Margin % is 27.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Alatau City Bank JSC's current Net Margin % is 34.31%, which is 19% below median its own 10-year median of 42.56. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Alatau City Bank JSC stock overvalued right now?
Alatau City Bank JSC (XKAZ:TSBN) has a current Net Margin % of 34.31%. The stock's GF Value™ is ₸2,250.51, compared to a current price of ₸1,641.00 — trading 27.1% below its estimated fair value. The current Net Margin % is 34.31%, which is 19% below median its 10-year median of 42.56 and 26.1% above the Banks industry median of 27.20. Alatau City Bank JSC's overall GF Score™ is 15/100 with 3 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 Alatau City Bank JSC (XKAZ:TSBN), the current Net Margin % is 34.31% 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 Alatau City Bank JSC (XKAZ:TSBN) Overvalued in 2026?
Based on GuruFocus' analysis, Alatau City Bank JSC stock appears to be undervalued.
The current stock price of ₸1,641.00 is trading 27.1% below its estimated GF Value™ of ₸2,250.51.
Key valuation signals for XKAZ:TSBN:
Net Margin %: 34.31% (19% below median its 10-year median of 42.56)
GF Value™: ₸2,250.51 vs. price of ₸1,641.00 (27.1% below fair value)
No single metric tells the full story. See the XKAZ:TSBN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Alatau City Bank JSC is a banking corporation registered in Kazakhstan. The company provides a wide range of services to individuals, entrepreneurs, and corporate clients across all regions of Kazakhstan. It offers Alatau City Bank Tole, Loans, Deposits, Investments, Tariffs, Osim magazine, Banking, and Other products.
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