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Aviyan Laghubitta Bittiyanstha (XNEP:AVYAN) 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.
Aviyan Laghubitta Bittiyanstha Net Margin % Related Terms
Aviyan Laghubitta Bittiyanstha 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 Credit Services subindustry, Aviyan Laghubitta Bittiyanstha'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.
Aviyan Laghubitta Bittiyanstha Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Aviyan Laghubitta Bittiyanstha's Net Margin % distribution charts can be found below:
* The bar in red indicates where Aviyan Laghubitta Bittiyanstha'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.
Aviyan Laghubitta Bittiyanstha (XNEP:AVYAN) has a Net Margin % of 27.56% as of Apr. 2026. Net margin is the ratio of total net income to net sales. View historical data on Aviyan Laghubitta Bittiyanstha and its competitors. This is 621% above median its historical median of 3.82. According to the industry distribution chart, Aviyan Laghubitta Bittiyanstha ranks #89 out of 536 companies in the Credit Services industry, placing it in the top 16.6%.
Is Aviyan Laghubitta Bittiyanstha's Net Margin % too high?
Aviyan Laghubitta Bittiyanstha's current Net Margin % of 27.56% is 621% above median its 10-year median of 3.82. The Credit Services industry median Net Margin % is 15.07. Aviyan Laghubitta Bittiyanstha's value of 27.56% is 82.9% above this industry median. Based on the distribution chart, Aviyan Laghubitta Bittiyanstha ranks #89 out of 536 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Aviyan Laghubitta Bittiyanstha has a GF Score™ of 55/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Aviyan Laghubitta Bittiyanstha's Net Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Aviyan Laghubitta Bittiyanstha ranks #89 out of 536 companies for Net Margin %. This places Aviyan Laghubitta Bittiyanstha in the top 17% of its industry — outperforming the majority of peers. The industry median Net Margin % is 15.07. Aviyan Laghubitta Bittiyanstha's value of 27.56% is 82.9% above this benchmark. While the company's 10-year median is 3.82 vs. the industry median of 15.07, Aviyan Laghubitta Bittiyanstha 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 Credit Services company?
The median Net Margin % among Credit Services companies is 15.07, based on 536 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. Aviyan Laghubitta Bittiyanstha's current Net Margin % of 27.56% is 82.9% 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 Aviyan Laghubitta Bittiyanstha and its competitors. For the Credit Services industry, the median Net Margin % is 15.07 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Aviyan Laghubitta Bittiyanstha's current Net Margin % is 27.56%, which is 621% above median its own 10-year median of 3.82. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Aviyan Laghubitta Bittiyanstha stock overvalued right now?
Based on GuruFocus' analysis, Aviyan Laghubitta Bittiyanstha (XNEP:AVYAN) is currently considered Possible Value Trap. The stock's GF Value™ is NPR1,788.91, compared to a current price of NPR1,043.00 — trading 41.7% below its estimated fair value. The current Net Margin % is 27.56%, which is 621% above median its 10-year median of 3.82 and 82.9% above the Credit Services industry median of 15.07. Aviyan Laghubitta Bittiyanstha's overall GF Score™ is 55/100 with 1 warning sign 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 Aviyan Laghubitta Bittiyanstha (XNEP:AVYAN), the current Net Margin % is 27.56% 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 Aviyan Laghubitta Bittiyanstha (XNEP:AVYAN) Overvalued in 2026?
Based on GuruFocus' analysis, Aviyan Laghubitta Bittiyanstha stock appears to be undervalued.
The current stock price of NPR1,043.00 is trading 41.7% below its estimated GF Value™ of NPR1,788.91.
GuruFocus considers Aviyan Laghubitta Bittiyanstha to be Possible Value Trap.
Key valuation signals for XNEP:AVYAN:
Net Margin %: 27.56% (621% above median its 10-year median of 3.82)
GF Value™: NPR1,788.91 vs. price of NPR1,043.00 (41.7% below fair value)
Industry Position: 82.9% above the Credit Services median (#89 of 536)
No single metric tells the full story. See the XNEP:AVYAN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Aviyan Laghubitta Bittiya Sanstha Ltd provides retail microfinance in Nepal. It offers various loans, such as general, alternate energy, seasonal, discipline, emergency, micro entrepreneur, foreign employment, education, home construction, agro equipment, business loans, and SRG loans.
55GF Score
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