Life Insurance NepalXNEP:LICN -1.59%82 Net Margin % is 1.22% as of Apr. 2026, which is 58% below its 10-year median of 2.90. GuruFocus rates XNEP:LICN with a GF Score™ of 82/100 and a GF Value™ of NPR890.40 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 503 Insurance companies, Life Insurance Nepal ranks worse than 86.68% on this metric.
The historical rank and industry rank for Life Insurance Nepal's Net Margin % or its related term are showing as below:
XNEP:LICN'
s Net Margin % Range Over the Past 10 Years
Min: 1.16 Med: 2.9 Max: 8.66
Current: 1.2
XNEP:LICN's Net Margin % is ranked worse than 86.68% of 503
companies
in the Insurance industry
Industry Median: 9.26
vs XNEP:LICN: 1.20
Life Insurance Nepal (XNEP:LICN) 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.
Life Insurance Nepal Net Margin % Related Terms
Life Insurance Nepal Net Margin % Historical Data
* Premium members only.
The historical data trend for Life Insurance Nepal'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 Insurance - Life subindustry, Life Insurance Nepal'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.
Life Insurance Nepal Net Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Life Insurance Nepal's Net Margin % distribution charts can be found below:
* The bar in red indicates where Life Insurance Nepal'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.
Life Insurance Nepal (XNEP:LICN) has a Net Margin % of 1.22% as of Apr. 2026. Net margin is the ratio of total net income to net sales. View historical data on Life Insurance Nepal and its competitors. This is 58% below median its historical median of 2.90. Over the past decade, Life Insurance Nepal's Net Margin % has ranged from 1.16 to 8.66. According to the industry distribution chart, Life Insurance Nepal ranks #436 out of 503 companies in the Insurance industry, placing it in the top 86.7%.
Is Life Insurance Nepal's Net Margin % too high?
Life Insurance Nepal's current Net Margin % of 1.22% is 58% below median its 10-year median of 2.90. Over the past 10 years, this metric has ranged from a low of 1.16 to a high of 8.66. The Insurance industry median Net Margin % is 9.26. Life Insurance Nepal's value of 1.22% is 86.8% below this industry median. Based on the distribution chart, Life Insurance Nepal ranks #436 out of 503 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Life Insurance Nepal has a GF Score™ of 82/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Life Insurance Nepal's Net Margin % compare to AFL and MET?
According to the Insurance industry distribution chart, Life Insurance Nepal ranks #436 out of 503 companies for Net Margin %. This places Life Insurance Nepal in the lower half of its industry. The industry median Net Margin % is 9.26. Life Insurance Nepal's value of 1.22% is 86.8% below this benchmark. Historically, Life Insurance Nepal's own Net Margin % has ranged from 1.16 to 8.66 over the past decade. While the company's 10-year median is 2.90 vs. the industry median of 9.26, Life Insurance Nepal has consistently been below 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 an Insurance company?
The median Net Margin % among Insurance companies is 9.26, based on 503 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. Life Insurance Nepal's current Net Margin % of 1.22% is 86.8% below 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 Life Insurance Nepal and its competitors. For the Insurance industry, the median Net Margin % is 9.26 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Life Insurance Nepal's current Net Margin % is 1.22%, which is 58% below median its own 10-year median of 2.90. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Life Insurance Nepal stock overvalued right now?
Based on GuruFocus' analysis, Life Insurance Nepal (XNEP:LICN) is currently considered Modestly Undervalued. The stock's GF Value™ is NPR890.40, compared to a current price of NPR777.40 — trading 12.7% below its estimated fair value. The current Net Margin % is 1.22%, which is 58% below median its 10-year median of 2.90 and 86.8% below the Insurance industry median of 9.26. Life Insurance Nepal's overall GF Score™ is 82/100 with 4 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 Life Insurance Nepal (XNEP:LICN), the current Net Margin % is 1.22% 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 Life Insurance Nepal (XNEP:LICN) Overvalued in 2026?
Based on GuruFocus' analysis, Life Insurance Nepal stock appears to be undervalued.
The current stock price of NPR777.40 is trading 12.7% below its estimated GF Value™ of NPR890.40.
GuruFocus considers Life Insurance Nepal to be Modestly Undervalued.
Key valuation signals for XNEP:LICN:
Net Margin %: 1.22% (58% below median its 10-year median of 2.90)
GF Value™: NPR890.40 vs. price of NPR777.40 (12.7% below fair value)
Industry Position: 86.8% below the Insurance median (#436 of 503)
No single metric tells the full story. See the XNEP:LICN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Life Insurance Corp Nepal Ltd is engaged in the life insurance business in Nepal, providing participating and non-participating life insurance products through its provincial offices, branches, sub-branches, and network of agents. Its product portfolio includes endowment plans, child plans, and money-back plans, and it provides services such as reviving lapsed policies, policy loans, nominations, and bonuses to policyholders. Revenue is mainly generated from premiums and investments, including regular and single-premium collections, returns from investments in equities, bonds, and other financial instruments, service-related fees, and commission on reinsurance ceded.
82GF Score
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