Excel Development BankXNEP:EDBL +0.11%53 Net Margin % is 113.38% as of Jan. 2026, which is 433% above its 10-year median of 21.27. GuruFocus rates XNEP:EDBL with a GF Score™ of 53/100 and a GF Value™ of NPR379.34 (Significantly Overvalued). The stock has 1 warning sign investors should review. Among 1,528 Banks companies, Excel Development Bank ranks worse than 58.57% on this metric.
The historical rank and industry rank for Excel Development Bank's Net Margin % or its related term are showing as below:
XNEP:EDBL'
s Net Margin % Range Over the Past 10 Years
Min: 6.43 Med: 21.27 Max: 43.13
Current: 24.27
XNEP:EDBL's Net Margin % is ranked worse than 58.57% of 1528
companies
in the Banks industry
Industry Median: 26.81
vs XNEP:EDBL: 24.27
Excel Development Bank (XNEP:EDBL) 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.
Excel Development Bank Net Margin % Related Terms
Excel 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.
Excel Development Bank Net Margin % Competitor Comparison
For the Banks - Regional subindustry, Excel 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.
Excel Development Bank Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Excel Development Bank's Net Margin % distribution charts can be found below:
* The bar in red indicates where Excel 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.
Excel Development Bank (XNEP:EDBL) has a Net Margin % of 113.38% as of Jan. 2026. Net margin is the ratio of total net income to net sales. View historical data on Excel Development Bank and its competitors. This is 433% above median its historical median of 21.27. Over the past decade, Excel Development Bank's Net Margin % has ranged from 6.43 to 43.13. According to the industry distribution chart, Excel Development Bank ranks #895 out of 1528 companies in the Banks industry, placing it in the top 58.6%.
Is Excel Development Bank's Net Margin % too high?
Excel Development Bank's current Net Margin % of 113.38% is 433% above median its 10-year median of 21.27. Over the past 10 years, this metric has ranged from a low of 6.43 to a high of 43.13. The Banks industry median Net Margin % is 26.81. Excel Development Bank's value of 113.38% is 322.9% above this industry median. Based on the distribution chart, Excel Development Bank ranks #895 out of 1528 companies in the Banks industry, which is below the industry midpoint. Overall, Excel Development Bank has a GF Score™ of 53/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Excel Development Bank's Net Margin % compare to competitors?
According to the Banks industry distribution chart, Excel Development Bank ranks #895 out of 1528 companies for Net Margin %. This places Excel Development Bank in the lower half of its industry. The industry median Net Margin % is 26.81. Excel Development Bank's value of 113.38% is 322.9% above this benchmark. Historically, Excel Development Bank's own Net Margin % has ranged from 6.43 to 43.13 over the past decade. While the company's 10-year median is 21.27 vs. the industry median of 26.81, Excel Development Bank 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 26.81, 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. Excel Development Bank's current Net Margin % of 113.38% is 322.9% 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 Excel Development Bank and its competitors. For the Banks industry, the median Net Margin % is 26.81 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Excel Development Bank's current Net Margin % is 113.38%, which is 433% above median its own 10-year median of 21.27. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Excel Development Bank stock overvalued right now?
Based on GuruFocus' analysis, Excel Development Bank (XNEP:EDBL) is currently considered Significantly Overvalued. The stock's GF Value™ is NPR379.34, compared to a current price of NPR569.50 — trading 50.1% above its estimated fair value. The current Net Margin % is 113.38%, which is 433% above median its 10-year median of 21.27 and 322.9% above the Banks industry median of 26.81. Excel Development Bank's overall GF Score™ is 53/100 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 Excel Development Bank (XNEP:EDBL), the current Net Margin % is 113.38% as of Jan. 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 Excel Development Bank (XNEP:EDBL) Overvalued in 2026?
Based on GuruFocus' analysis, Excel Development Bank stock appears to be overvalued.
The current stock price of NPR569.50 is trading 50.1% above its estimated GF Value™ of NPR379.34.
GuruFocus considers Excel Development Bank to be Significantly Overvalued.
Key valuation signals for XNEP:EDBL:
Net Margin %: 113.38% (433% above median its 10-year median of 21.27)
GF Value™: NPR379.34 vs. price of NPR569.50 (50.1% above fair value)
Industry Position: 322.9% above the Banks median (#895 of 1528)
No single metric tells the full story. See the XNEP:EDBL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Excel Development Bank Ltd is a banking company. It offers savings accounts, fixed deposits, current accounts, loans, and other services. The bank provides services to g individuals, corporates, large public sector companies, government corporations, etc.
53GF Score
Get the complete analysis for XNEP:EDBL
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