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Citizen Bank International (XNEP:CZBIL) 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.
Citizen Bank International Net Margin % Related Terms
Citizen Bank International 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.
Citizen Bank International Net Margin % Competitor Comparison
For the Banks - Regional subindustry, Citizen Bank International'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.
Citizen Bank International Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Citizen Bank International's Net Margin % distribution charts can be found below:
* The bar in red indicates where Citizen Bank International'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.
Citizen Bank International (XNEP:CZBIL) has a Net Margin % of 46.11% as of Apr. 2026. Net margin is the ratio of total net income to net sales. View historical data on Citizen Bank International and its competitors. This is 35% above median its historical median of 34.20. Over the past decade, Citizen Bank International's Net Margin % has ranged from 16.16 to 67.01. According to the industry distribution chart, Citizen Bank International ranks #1085 out of 1525 companies in the Banks industry, placing it in the top 71.1%.
Is Citizen Bank International's Net Margin % too high?
Citizen Bank International's current Net Margin % of 46.11% is 35% above median its 10-year median of 34.20. Over the past 10 years, this metric has ranged from a low of 16.16 to a high of 67.01. The Banks industry median Net Margin % is 27.19. Citizen Bank International's value of 46.11% is 69.6% above this industry median. Based on the distribution chart, Citizen Bank International ranks #1085 out of 1525 companies in the Banks industry, which is below the industry midpoint. Overall, Citizen Bank International has a GF Score™ of 66/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Citizen Bank International's Net Margin % compare to competitors?
According to the Banks industry distribution chart, Citizen Bank International ranks #1085 out of 1525 companies for Net Margin %. This places Citizen Bank International in the lower half of its industry. The industry median Net Margin % is 27.19. Citizen Bank International's value of 46.11% is 69.6% above this benchmark. Historically, Citizen Bank International's own Net Margin % has ranged from 16.16 to 67.01 over the past decade. While the company's 10-year median is 34.20 vs. the industry median of 27.19, Citizen Bank International 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 27.19, based on 1,525 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. Citizen Bank International's current Net Margin % of 46.11% is 69.6% 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 Citizen Bank International and its competitors. For the Banks industry, the median Net Margin % is 27.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizen Bank International's current Net Margin % is 46.11%, which is 35% above median its own 10-year median of 34.20. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Citizen Bank International stock overvalued right now?
Based on GuruFocus' analysis, Citizen Bank International (XNEP:CZBIL) is currently considered Fairly Valued. The stock's GF Value™ is NPR210.67, compared to a current price of NPR204.90 — trading 2.7% below its estimated fair value. The current Net Margin % is 46.11%, which is 35% above median its 10-year median of 34.20 and 69.6% above the Banks industry median of 27.19. Citizen Bank International's overall GF Score™ is 66/100 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 Citizen Bank International (XNEP:CZBIL), the current Net Margin % is 46.11% 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 Citizen Bank International (XNEP:CZBIL) Overvalued in 2026?
Based on GuruFocus' analysis, Citizen Bank International stock appears to be undervalued.
The current stock price of NPR204.90 is trading 2.7% below its estimated GF Value™ of NPR210.67.
GuruFocus considers Citizen Bank International to be Fairly Valued.
Key valuation signals for XNEP:CZBIL:
Net Margin %: 46.11% (35% above median its 10-year median of 34.20)
GF Value™: NPR210.67 vs. price of NPR204.90 (2.7% below fair value)
Industry Position: 69.6% above the Banks median (#1085 of 1525)
No single metric tells the full story. See the XNEP:CZBIL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Citizen Bank International Ltd operates as a commercial bank. The company provides commercial banking services including agency services, trade finance services, e-commerce services, and trading of gold and silver. Its products include Online Products; Deposits; loans; Cards; and remittances. The operating segments of the group are Banking; Treasury; Cards; and Remittance, of which a majority of revenue is derived from Banking which comprises the product and service of loans and deposits, and generates revenue from interest on a loan.
66GF Score
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