The historical rank and industry rank for Agriculture Development Bank's Net Margin % or its related term are showing as below:
XNEP:ADBL'
s Net Margin % Range Over the Past 10 Years
Min: 13.76 Med: 33.87 Max: 45.6
Current: 29.81
XNEP:ADBL's Net Margin % is ranked better than 59.95% of 1528
companies
in the Banks industry
Industry Median: 26.845
vs XNEP:ADBL: 29.81
Agriculture Development Bank (XNEP:ADBL) 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.
Agriculture Development Bank Net Margin % Related Terms
Agriculture Development Bank 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.
Agriculture Development Bank Net Margin % Competitor Comparison
For the Banks - Regional subindustry, Agriculture Development 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.
Agriculture Development Bank Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Agriculture Development Bank's Net Margin % distribution charts can be found below:
* The bar in red indicates where Agriculture Development 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.
Agriculture Development Bank (XNEP:ADBL) has a Net Margin % of 24.61% as of Apr. 2026. Net margin is the ratio of total net income to net sales. View historical data on Agriculture Development Bank and its competitors. This is 27% below median its historical median of 33.87. Over the past decade, Agriculture Development Bank's Net Margin % has ranged from 13.76 to 45.60. According to the industry distribution chart, Agriculture Development Bank ranks #612 out of 1528 companies in the Banks industry, placing it in the top 40.1%.
Is Agriculture Development Bank's Net Margin % too high?
Agriculture Development Bank's current Net Margin % of 24.61% is 27% below median its 10-year median of 33.87. Over the past 10 years, this metric has ranged from a low of 13.76 to a high of 45.60. The Banks industry median Net Margin % is 26.85. Agriculture Development Bank's value of 24.61% is 8.3% below this industry median. Based on the distribution chart, Agriculture Development Bank ranks #612 out of 1528 companies in the Banks industry, which is above the industry midpoint. Overall, Agriculture Development Bank has a GF Score™ of 56/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Agriculture Development Bank's Net Margin % compare to competitors?
According to the Banks industry distribution chart, Agriculture Development Bank ranks #612 out of 1528 companies for Net Margin %. This puts Agriculture Development Bank in the upper half of its industry. The industry median Net Margin % is 26.85. Agriculture Development Bank's value of 24.61% is 8.3% below this benchmark. Historically, Agriculture Development Bank's own Net Margin % has ranged from 13.76 to 45.60 over the past decade. While the company's 10-year median is 33.87 vs. the industry median of 26.85, Agriculture Development 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 26.85, based on 1,528 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. Agriculture Development Bank's current Net Margin % of 24.61% is 8.3% 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 Agriculture Development Bank and its competitors. For the Banks industry, the median Net Margin % is 26.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Agriculture Development Bank's current Net Margin % is 24.61%, which is 27% below median its own 10-year median of 33.87. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Agriculture Development Bank stock overvalued right now?
Based on GuruFocus' analysis, Agriculture Development Bank (XNEP:ADBL) is currently considered Significantly Undervalued. The stock's GF Value™ is NPR667.34, compared to a current price of NPR306.80 — trading 54% below its estimated fair value. The current Net Margin % is 24.61%, which is 27% below median its 10-year median of 33.87 and 8.3% below the Banks industry median of 26.85. Agriculture Development Bank's overall GF Score™ is 56/100 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 Agriculture Development Bank (XNEP:ADBL), the current Net Margin % is 24.61% as of Apr. 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 Agriculture Development Bank (XNEP:ADBL) Overvalued in 2026?
Based on GuruFocus' analysis, Agriculture Development Bank stock appears to be undervalued.
The current stock price of NPR306.80 is trading 54% below its estimated GF Value™ of NPR667.34.
GuruFocus considers Agriculture Development Bank to be Significantly Undervalued.
Key valuation signals for XNEP:ADBL:
Net Margin %: 24.61% (27% below median its 10-year median of 33.87)
GF Value™: NPR667.34 vs. price of NPR306.80 (54% below fair value)
Industry Position: 8.3% below the Banks median (#612 of 1528)
No single metric tells the full story. See the XNEP:ADBL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Agriculture Development Bank Ltd is engaged in banking products and services. The company provides institutional credit for the agricultural sector in Nepal. It also offers fixed deposit accounts, savings accounts, Ba-Ama savings accounts, auto loans, education loans, residential loans, home loans and remittance services.
56GF Score
Get the complete analysis for XNEP:ADBL
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
XNEP:ADBL has been successfully added to your 
