Net margin is calculated as Net Income divided by its Revenue. Himalayan Bank's Net Income for the
three
months ended in Apr. 2026 was NPR-578 Mil. Himalayan Bank's Revenue for the
three
months ended in Apr. 2026 was NPR2,721 Mil. Therefore, Himalayan Bank's net margin for the quarter that ended in Apr. 2026 was -21.25%.
The historical rank and industry rank for Himalayan Bank's Net Margin % or its related term are showing as below:
XNEP:HBL'
s Net Margin % Range Over the Past 10 Years
Min: 3.83 Med: 39.54 Max: 44.9
Current: 14.91
XNEP:HBL's Net Margin % is ranked worse than 81.48% of 1528
companies
in the Banks industry
Industry Median: 26.845
vs XNEP:HBL: 14.91
Himalayan Bank (XNEP:HBL) 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.
Himalayan Bank Net Margin % Related Terms
Himalayan Bank Net Margin % Historical Data
* Premium members only.
The historical data trend for Himalayan 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.
For the Banks - Regional subindustry, Himalayan 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.
Himalayan Bank Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Himalayan Bank's Net Margin % distribution charts can be found below:
* The bar in red indicates where Himalayan 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.
Himalayan Bank (XNEP:HBL) has a Net Margin % of -21.25% as of Apr. 2026. Net margin is the ratio of total net income to net sales. View historical data on Himalayan Bank and its competitors. Over the past decade, Himalayan Bank's Net Margin % has ranged from 3.83 to 44.90. According to the industry distribution chart, Himalayan Bank ranks #1245 out of 1528 companies in the Banks industry, placing it in the top 81.5%.
Is Himalayan Bank's Net Margin % too high?
Himalayan Bank's current Net Margin % is -21.25%. Over the past 10 years, this metric has ranged from a low of 3.83 to a high of 44.90. Based on the distribution chart, Himalayan Bank ranks #1245 out of 1528 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Himalayan Bank has a GF Score™ of 71/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Himalayan Bank's Net Margin % compare to competitors?
According to the Banks industry distribution chart, Himalayan Bank ranks #1245 out of 1528 companies for Net Margin %. This places Himalayan Bank in the lower half of its industry. The industry median Net Margin % is 26.85. Historically, Himalayan Bank's own Net Margin % has ranged from 3.83 to 44.90 over the past decade. 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. 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 Himalayan 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. Himalayan Bank's current Net Margin % is -21.25%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Himalayan Bank stock overvalued right now?
Based on GuruFocus' analysis, Himalayan Bank (XNEP:HBL) is currently considered Fairly Valued. The stock's GF Value™ is NPR216.80, compared to a current price of NPR200.00 — trading 7.7% below its estimated fair value. The current Net Margin % is -21.25%. Himalayan Bank's overall GF Score™ is 71/100 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 Himalayan Bank (XNEP:HBL), the current Net Margin % is -21.25% 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 Himalayan Bank (XNEP:HBL) Overvalued in 2026?
Based on GuruFocus' analysis, Himalayan Bank stock appears to be undervalued.
The current stock price of NPR200.00 is trading 7.7% below its estimated GF Value™ of NPR216.80.
GuruFocus considers Himalayan Bank to be Fairly Valued.
Key valuation signals for XNEP:HBL:
Net Margin %: -21.25%
GF Value™: NPR216.80 vs. price of NPR200.00 (7.7% below fair value)
No single metric tells the full story. See the XNEP:HBL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Himalayan Bank Ltd is a Nepal based company involved in the banking business. It includes products such as Loans and Advances, Letter of Credit, Guarantee, Remittance, Card Services, Bills purchase and discounting, Collection services, and many more. It also offers remittance services, card services, and other ancillary services like safe deposit locker services, as well as a wide range of electronic banking facilities. The products and services are offered to personal and business customers in Nepal. The company's maximum revenue is from the Loan and Advances product. Operates geographically within Nepal, with maximum revenue from Bagmati.
71GF Score
Get the complete analysis for XNEP:HBL
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:HBL has been successfully added to your 
