Kumari BankXNEP:KBL +2.89%77 Net Margin % is 41.57% as of Apr. 2026, which is 25% above its 10-year median of 33.20. GuruFocus rates XNEP:KBL with a GF Score™ of 77/100 and a GF Value™ of NPR231.80 (Fairly Valued). The stock has 1 warning sign investors should review. Among 1,528 Banks companies, Kumari Bank ranks better than 70.81% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Kumari Bank's Net Income for the
three
months ended in Apr. 2026 was NPR1,614 Mil. Kumari Bank's Revenue for the
three
months ended in Apr. 2026 was NPR3,884 Mil. Therefore, Kumari Bank's net margin for the quarter that ended in Apr. 2026 was 41.57%.
The historical rank and industry rank for Kumari Bank's Net Margin % or its related term are showing as below:
XNEP:KBL'
s Net Margin % Range Over the Past 10 Years
Min: 1.14 Med: 33.2 Max: 47.27
Current: 33.13
XNEP:KBL's Net Margin % is ranked better than 70.81% of 1528
companies
in the Banks industry
Industry Median: 26.845
vs XNEP:KBL: 33.13
Kumari Bank (XNEP:KBL) 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.
Kumari Bank Net Margin % Related Terms
Kumari Bank Net Margin % Historical Data
* Premium members only.
The historical data trend for Kumari 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, Kumari 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.
Kumari Bank Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Kumari Bank's Net Margin % distribution charts can be found below:
* The bar in red indicates where Kumari 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.
Kumari Bank (XNEP:KBL) has a Net Margin % of 41.57% as of Apr. 2026. Net margin is the ratio of total net income to net sales. View historical data on Kumari Bank and its competitors. This is 25% above median its historical median of 33.20. Over the past decade, Kumari Bank's Net Margin % has ranged from 1.14 to 47.27. According to the industry distribution chart, Kumari Bank ranks #446 out of 1528 companies in the Banks industry, placing it in the top 29.2%.
Is Kumari Bank's Net Margin % too high?
Kumari Bank's current Net Margin % of 41.57% is 25% above median its 10-year median of 33.20. Over the past 10 years, this metric has ranged from a low of 1.14 to a high of 47.27. The Banks industry median Net Margin % is 26.85. Kumari Bank's value of 41.57% is 54.9% above this industry median. Based on the distribution chart, Kumari Bank ranks #446 out of 1528 companies in the Banks industry, which is above the industry midpoint. Overall, Kumari Bank has a GF Score™ of 77/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Kumari Bank's Net Margin % compare to competitors?
According to the Banks industry distribution chart, Kumari Bank ranks #446 out of 1528 companies for Net Margin %. This puts Kumari Bank in the upper half of its industry. The industry median Net Margin % is 26.85. Kumari Bank's value of 41.57% is 54.9% above this benchmark. Historically, Kumari Bank's own Net Margin % has ranged from 1.14 to 47.27 over the past decade. While the company's 10-year median is 33.20 vs. the industry median of 26.85, Kumari 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 1,528 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. Kumari Bank's current Net Margin % of 41.57% is 54.9% 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 Kumari 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. Kumari Bank's current Net Margin % is 41.57%, which is 25% above median its own 10-year median of 33.20. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Kumari Bank stock overvalued right now?
Based on GuruFocus' analysis, Kumari Bank (XNEP:KBL) is currently considered Fairly Valued. The stock's GF Value™ is NPR231.80, compared to a current price of NPR210.10 — trading 9.4% below its estimated fair value. The current Net Margin % is 41.57%, which is 25% above median its 10-year median of 33.20 and 54.9% above the Banks industry median of 26.85. Kumari Bank's overall GF Score™ is 77/100 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 Kumari Bank (XNEP:KBL), the current Net Margin % is 41.57% 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 Kumari Bank (XNEP:KBL) Overvalued in 2026?
Based on GuruFocus' analysis, Kumari Bank stock appears to be undervalued.
The current stock price of NPR210.10 is trading 9.4% below its estimated GF Value™ of NPR231.80.
GuruFocus considers Kumari Bank to be Fairly Valued.
Key valuation signals for XNEP:KBL:
Net Margin %: 41.57% (25% above median its 10-year median of 33.20)
GF Value™: NPR231.80 vs. price of NPR210.10 (9.4% below fair value)
Industry Position: 54.9% above the Banks median (#446 of 1528)
No single metric tells the full story. See the XNEP:KBL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Kumari Bank Ltd provides banking services in Nepal, including loans, deposits, trade finance, card services, remittances, e-commerce, and bullion trading with technological support. Its operating segments are Banking, Cards, Remittance Services, Digital Banking, and Treasury. The Banking segment includes loans, deposits, trade operations, and related services. Cards cover credit, debit, and prepaid card products along with digital payment services. Remittance services include inward and outward transfers, while Treasury involves investment activities, foreign exchange trading, and liquidity management. The majority of revenue is generated from the Banking segment.
77GF Score
Get the complete analysis for XNEP:KBL
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:KBL has been successfully added to your 
