Civil Bank (XNEP:CBL) Net Margin %: 17.57% (As of Jan. 2023)


XNEP:CBL Civil Bank Ltd XNEP:CBL
25 GF Score
Price NPR214.00
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What is Civil Bank Net Margin %?

Civil Bank XNEP:CBL 25 Net Margin % is 17.57% as of Jan. 2023. GuruFocus rates XNEP:CBL with a GF Score™ of 25/100.

Net margin is calculated as Net Income divided by its Revenue. Civil Bank's Net Income for the three months ended in Jan. 2023 was NPR229 Mil. Civil Bank's Revenue for the three months ended in Jan. 2023 was NPR1,304 Mil. Therefore, Civil Bank's net margin for the quarter that ended in Jan. 2023 was 17.57%.

The historical rank and industry rank for Civil Bank's Net Margin % or its related term are showing as below:


XNEP:CBL's Net Margin % is not ranked *
in the Banks industry.
Industry Median: 26.845
* Ranked among companies with meaningful Net Margin % only.

Civil Bank  (XNEP:CBL) 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.

Civil Bank Net Margin % Related Terms

Civil Bank Net Margin % Historical Data

* Premium members only.

The historical data trend for Civil Bank'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.

Civil Bank Net Margin % Chart

Civil Bank Annual Data
Trend Jul13 Jul14 Jul15 Jul16 Jul17 Jul18 Jul19 Jul20 Jul21 Jul22
Net Margin %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 33.27 25.94 19.43 17.60 23.37

Civil Bank Quarterly Data
Apr18 Jul18 Oct18 Jan19 Apr19 Jul19 Oct19 Jan20 Apr20 Jul20 Oct20 Jan21 Apr21 Jul21 Oct21 Jan22 Apr22 Jul22 Oct22 Jan23
Net Margin % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 23.31 35.30 5.55 30.77 17.57

XNEP:CBL vs USB, PNC: Net Margin % Comparison

For the Banks - Regional subindustry, Civil 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.

Civil Bank Net Margin % vs Banks Industry

For the Banks industry and Financial Services sector, Civil Bank's Net Margin % distribution charts can be found below:

* The bar in red indicates where Civil Bank's Net Margin % falls into.


XNEP:CBL
25GF Score
Civil Bank Ltd XNEP:CBL
Net Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
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Civil Bank Net Margin % Calculation

Net margin - also known as net profit margin is the ratio of Net Income divided by net sales or Revenue, usually presented in percent.

Civil Bank's Net Margin for the fiscal year that ended in Jul. 2022 is calculated as

Net Margin=Net Income (A: Jul. 2022 )/Revenue (A: Jul. 2022 )
=1045.537/4474.751
=23.37 %

Civil Bank's Net Margin for the quarter that ended in Jan. 2023 is calculated as

Net Margin=Net Income (Q: Jan. 2023 )/Revenue (Q: Jan. 2023 )
=229.174/1303.978
=17.57 %

* 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.

Frequently Asked Questions Learn more about Net Margin % →
What does a Net Margin % of 17.57% mean?
Civil Bank (XNEP:CBL) has a Net Margin % of 17.57% as of Jan. 2023. Net margin is the ratio of total net income to net sales. View historical data on Civil Bank and its competitors.
Is Civil Bank's Net Margin % too high?
Civil Bank's current Net Margin % is 17.57%. The Banks industry median Net Margin % is 26.85. Civil Bank's value of 17.57% is 34.6% below this industry median. Overall, Civil Bank has a GF Score™ of 25/100, reflecting its overall financial health beyond just this single metric.
How does Civil Bank's Net Margin % compare to USB and PNC?
Civil Bank's Net Margin % of 17.57% can be compared against companies in the Banks industry. The industry median Net Margin % is 26.85. Civil Bank's value of 17.57% is 34.6% below this benchmark. 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 1,530 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. Civil Bank's current Net Margin % of 17.57% is 34.6% 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 Civil 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. Civil Bank's current Net Margin % is 17.57%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Civil Bank stock overvalued right now?
Civil Bank (XNEP:CBL) has a current Net Margin % of 17.57%. The current Net Margin % is 17.57% and 34.6% below the Banks industry median of 26.85. Civil Bank's overall GF Score™ is 25/100. 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 Civil Bank (XNEP:CBL), the current Net Margin % is 17.57% as of Jan. 2023. 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.

Civil Bank Business Description

Address Civil Trade Center, Sundhara, P.O. Box 9799, Kathmandu, NPL
Civil Bank Ltd is a commercial bank in Nepal. Its business comprises, accepting deposits, granting credit facilities, retail banking, corporate banking, consumer banking, dealing in Government Securities, credit card operations, agency services, trade finance services, investment and treasury operations, card services, e-banking products, remittances, foreign currency operations, and other financial services to its customers through its branches and extension counters and ATMs networks.
25GF Score

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Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

NPR214.00
Price