Jyoti Bikas BankXNEP:JBBL -0.59%72 Net Margin % is 46.35% as of Apr. 2026, which is 63% above its 10-year median of 28.43. GuruFocus rates XNEP:JBBL with a GF Score™ of 72/100 and a GF Value™ of NPR329.03 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,530 Banks companies, Jyoti Bikas Bank ranks worse than 84.25% on this metric.
The historical rank and industry rank for Jyoti Bikas Bank's Net Margin % or its related term are showing as below:
XNEP:JBBL'
s Net Margin % Range Over the Past 10 Years
Min: 4.5 Med: 28.43 Max: 45.36
Current: 13.02
XNEP:JBBL's Net Margin % is ranked worse than 84.25% of 1530
companies
in the Banks industry
Industry Median: 26.845
vs XNEP:JBBL: 13.02
Jyoti Bikas Bank (XNEP:JBBL) 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.
Jyoti Bikas Bank Net Margin % Related Terms
Jyoti Bikas Bank Net Margin % Historical Data
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The historical data trend for Jyoti Bikas 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.
Jyoti Bikas Bank Net Margin % Competitor Comparison
For the Banks - Regional subindustry, Jyoti Bikas 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.
Jyoti Bikas Bank Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Jyoti Bikas Bank's Net Margin % distribution charts can be found below:
* The bar in red indicates where Jyoti Bikas 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.
Jyoti Bikas Bank (XNEP:JBBL) has a Net Margin % of 46.35% as of Apr. 2026. Net margin is the ratio of total net income to net sales. View historical data on Jyoti Bikas Bank and its competitors. This is 63% above median its historical median of 28.43. Over the past decade, Jyoti Bikas Bank's Net Margin % has ranged from 4.50 to 45.36. According to the industry distribution chart, Jyoti Bikas Bank ranks #1289 out of 1530 companies in the Banks industry, placing it in the top 84.2%.
Is Jyoti Bikas Bank's Net Margin % too high?
Jyoti Bikas Bank's current Net Margin % of 46.35% is 63% above median its 10-year median of 28.43. Over the past 10 years, this metric has ranged from a low of 4.50 to a high of 45.36. The Banks industry median Net Margin % is 26.85. Jyoti Bikas Bank's value of 46.35% is 72.7% above this industry median. Based on the distribution chart, Jyoti Bikas Bank ranks #1289 out of 1530 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Jyoti Bikas Bank has a GF Score™ of 72/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Jyoti Bikas Bank's Net Margin % compare to competitors?
According to the Banks industry distribution chart, Jyoti Bikas Bank ranks #1289 out of 1530 companies for Net Margin %. This places Jyoti Bikas Bank in the lower half of its industry. The industry median Net Margin % is 26.85. Jyoti Bikas Bank's value of 46.35% is 72.7% above this benchmark. Historically, Jyoti Bikas Bank's own Net Margin % has ranged from 4.50 to 45.36 over the past decade. While the company's 10-year median is 28.43 vs. the industry median of 26.85, Jyoti Bikas 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 26.85, 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. Jyoti Bikas Bank's current Net Margin % of 46.35% is 72.7% 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 Jyoti Bikas 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. Jyoti Bikas Bank's current Net Margin % is 46.35%, which is 63% above median its own 10-year median of 28.43. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Jyoti Bikas Bank stock overvalued right now?
Based on GuruFocus' analysis, Jyoti Bikas Bank (XNEP:JBBL) is currently considered Fairly Valued. The stock's GF Value™ is NPR329.03, compared to a current price of NPR336.00 — trading 2.1% above its estimated fair value. The current Net Margin % is 46.35%, which is 63% above median its 10-year median of 28.43 and 72.7% above the Banks industry median of 26.85. Jyoti Bikas Bank's overall GF Score™ is 72/100 with 3 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 Jyoti Bikas Bank (XNEP:JBBL), the current Net Margin % is 46.35% 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 Jyoti Bikas Bank (XNEP:JBBL) Overvalued in 2026?
Based on GuruFocus' analysis, Jyoti Bikas Bank stock appears to be overvalued.
The current stock price of NPR336.00 is trading 2.1% above its estimated GF Value™ of NPR329.03.
GuruFocus considers Jyoti Bikas Bank to be Fairly Valued.
Key valuation signals for XNEP:JBBL:
Net Margin %: 46.35% (63% above median its 10-year median of 28.43)
GF Value™: NPR329.03 vs. price of NPR336.00 (2.1% above fair value)
Industry Position: 72.7% above the Banks median (#1289 of 1530)
No single metric tells the full story. See the XNEP:JBBL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Jyoti Bikas Bank Ltd provides standard banking services in Nepal. The company focuses on financing the development of hydropower and infrastructure and providing banking facilities to the general public for various purposes. The Bank operates in the following segments: Core Banking, Micro Finance, Treasury, and Digital Banking & Others. The majority of the revenue is generated from the Core Banking segment. All the revenues come from the domestic market.
72GF Score
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