Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
XNEP:JBLB'
s Net Margin % Range Over the Past 10 Years
Min: 11.62 Med: 33.58 Max: 59.47
Current: 37.17
XNEP:JBLB's Net Margin % is ranked better than 79.4% of 1529
companies
in the Banks industry
Industry Median: 27.02
vs XNEP:JBLB: 37.17
Jeevan Bikas Laghubitta Bittiyanstha (XNEP:JBLB) 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.
Jeevan Bikas Laghubitta Bittiyanstha Net Margin % Related Terms
Jeevan Bikas Laghubitta Bittiyanstha 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.
Jeevan Bikas Laghubitta Bittiyanstha Net Margin % Chart
For the Banks - Regional subindustry, Jeevan Bikas Laghubitta Bittiyanstha'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.
Jeevan Bikas Laghubitta Bittiyanstha Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Jeevan Bikas Laghubitta Bittiyanstha's Net Margin % distribution charts can be found below:
* The bar in red indicates where Jeevan Bikas Laghubitta Bittiyanstha'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.
Jeevan Bikas Laghubitta Bittiyanstha (XNEP:JBLB) has a Net Margin % of 31.89% as of Apr. 2026. Net margin is the ratio of total net income to net sales. View historical data on Jeevan Bikas Laghubitta Bittiyanstha and its competitors. This is near median its historical median of 33.58. Over the past decade, Jeevan Bikas Laghubitta Bittiyanstha's Net Margin % has ranged from 11.62 to 59.47. According to the industry distribution chart, Jeevan Bikas Laghubitta Bittiyanstha ranks #315 out of 1529 companies in the Banks industry, placing it in the top 20.6%.
Is Jeevan Bikas Laghubitta Bittiyanstha's Net Margin % too high?
Jeevan Bikas Laghubitta Bittiyanstha's current Net Margin % of 31.89% is near median its 10-year median of 33.58. Over the past 10 years, this metric has ranged from a low of 11.62 to a high of 59.47. The Banks industry median Net Margin % is 27.02. Jeevan Bikas Laghubitta Bittiyanstha's value of 31.89% is 18% above this industry median. Based on the distribution chart, Jeevan Bikas Laghubitta Bittiyanstha ranks #315 out of 1529 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Jeevan Bikas Laghubitta Bittiyanstha has a GF Score™ of 91/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Jeevan Bikas Laghubitta Bittiyanstha's Net Margin % compare to ?
According to the Banks industry distribution chart, Jeevan Bikas Laghubitta Bittiyanstha ranks #315 out of 1529 companies for Net Margin %. This places Jeevan Bikas Laghubitta Bittiyanstha in the top 21% of its industry — outperforming the majority of peers. The industry median Net Margin % is 27.02. Jeevan Bikas Laghubitta Bittiyanstha's value of 31.89% is 18% above this benchmark. Historically, Jeevan Bikas Laghubitta Bittiyanstha's own Net Margin % has ranged from 11.62 to 59.47 over the past decade. While the company's 10-year median is 33.58 vs. the industry median of 27.02, Jeevan Bikas Laghubitta Bittiyanstha 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 27.02, based on 1,529 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. Jeevan Bikas Laghubitta Bittiyanstha's current Net Margin % of 31.89% is 18% 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 Jeevan Bikas Laghubitta Bittiyanstha and its competitors. For the Banks industry, the median Net Margin % is 27.02 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Jeevan Bikas Laghubitta Bittiyanstha's current Net Margin % is 31.89%, which is near median its own 10-year median of 33.58. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Jeevan Bikas Laghubitta Bittiyanstha stock overvalued right now?
Based on GuruFocus' analysis, Jeevan Bikas Laghubitta Bittiyanstha (XNEP:JBLB) is currently considered Fairly Valued. The stock's GF Value™ is NPR1,282.14, compared to a current price of NPR1,250.00 — trading 2.5% below its estimated fair value. The current Net Margin % is 31.89%, which is near median its 10-year median of 33.58 and 18% above the Banks industry median of 27.02. Jeevan Bikas Laghubitta Bittiyanstha's overall GF Score™ is 91/100 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 Jeevan Bikas Laghubitta Bittiyanstha (XNEP:JBLB), the current Net Margin % is 31.89% 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 Jeevan Bikas Laghubitta Bittiyanstha (XNEP:JBLB) Overvalued in 2026?
Based on GuruFocus' analysis, Jeevan Bikas Laghubitta Bittiyanstha stock appears to be undervalued.
The current stock price of NPR1,250.00 is trading 2.5% below its estimated GF Value™ of NPR1,282.14.
GuruFocus considers Jeevan Bikas Laghubitta Bittiyanstha to be Fairly Valued.
Key valuation signals for XNEP:JBLB:
Net Margin %: 31.89% (near median its 10-year median of 33.58)
GF Value™: NPR1,282.14 vs. price of NPR1,250.00 (2.5% below fair value)
Industry Position: 18% above the Banks median (#315 of 1529)
No single metric tells the full story. See the XNEP:JBLB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Jeevan Bikas Laghubitta Bittiyanstha Business Description
Jeevan Bikas Laghubitta Bittiya Sanstha Ltd is a microfinance institution in Nepal that focuses on providing financial services to underserved and low-income communities. Its offerings include microloans, savings, and insurance to empower individuals, particularly women, in rural areas. The company's operating segments include: a. Banking Segment, which involves functions like collecting deposits and lending activities among other similar activities. b. Treasury Segment, which involves short term and long-term investment activities like investing in T-Bills, Bonds, Shares of companies etc. c. Remittance Segment, which involves activities of transferring/receiving funds locally and/or globally. The majority of revenue is derived from the Banking segment.
91GF Score
Get the complete analysis for XNEP:JBLB
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:JBLB has been successfully added to your 
