NIC Asia BankXNEP:NICA -0.37%74 Net Margin % is 3.12% as of Apr. 2026, which is 89% below its 10-year median of 28.62. GuruFocus rates XNEP:NICA with a GF Score™ of 74/100 and a GF Value™ of NPR382.45 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 1,528 Banks companies, NIC Asia Bank ranks worse than 95.75% on this metric.
Net margin is calculated as Net Income divided by its Revenue. NIC Asia Bank's Net Income for the
three
months ended in Apr. 2026 was NPR87 Mil. NIC Asia Bank's Revenue for the
three
months ended in Apr. 2026 was NPR2,783 Mil. Therefore, NIC Asia Bank's net margin for the quarter that ended in Apr. 2026 was 3.12%.
The historical rank and industry rank for NIC Asia Bank's Net Margin % or its related term are showing as below:
XNEP:NICA'
s Net Margin % Range Over the Past 10 Years
Min: -31.59 Med: 28.62 Max: 40.83
Current: 0.28
XNEP:NICA's Net Margin % is ranked worse than 95.75% of 1528
companies
in the Banks industry
Industry Median: 26.845
vs XNEP:NICA: 0.28
NIC Asia Bank (XNEP:NICA) 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.
NIC Asia Bank Net Margin % Related Terms
NIC Asia Bank Net Margin % Historical Data
* Premium members only.
The historical data trend for NIC Asia 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, NIC Asia 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.
NIC Asia Bank Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, NIC Asia Bank's Net Margin % distribution charts can be found below:
* The bar in red indicates where NIC Asia 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.
NIC Asia Bank (XNEP:NICA) has a Net Margin % of 3.12% as of Apr. 2026. Net margin is the ratio of total net income to net sales. View historical data on NIC Asia Bank and its competitors. This is 89% below median its historical median of 28.62. According to the industry distribution chart, NIC Asia Bank ranks #1463 out of 1528 companies in the Banks industry, placing it in the top 95.7%.
Is NIC Asia Bank's Net Margin % too high?
NIC Asia Bank's current Net Margin % of 3.12% is 89% below median its 10-year median of 28.62. The Banks industry median Net Margin % is 26.85. NIC Asia Bank's value of 3.12% is 88.4% below this industry median. Based on the distribution chart, NIC Asia Bank ranks #1463 out of 1528 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, NIC Asia Bank has a GF Score™ of 74/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does NIC Asia Bank's Net Margin % compare to competitors?
According to the Banks industry distribution chart, NIC Asia Bank ranks #1463 out of 1528 companies for Net Margin %. This places NIC Asia Bank in the lower half of its industry. The industry median Net Margin % is 26.85. NIC Asia Bank's value of 3.12% is 88.4% below this benchmark. While the company's 10-year median is 28.62 vs. the industry median of 26.85, NIC Asia Bank 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 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. NIC Asia Bank's current Net Margin % of 3.12% is 88.4% 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 NIC Asia 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. NIC Asia Bank's current Net Margin % is 3.12%, which is 89% below median its own 10-year median of 28.62. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is NIC Asia Bank stock overvalued right now?
Based on GuruFocus' analysis, NIC Asia Bank (XNEP:NICA) is currently considered Modestly Undervalued. The stock's GF Value™ is NPR382.45, compared to a current price of NPR327.10 — trading 14.5% below its estimated fair value. The current Net Margin % is 3.12%, which is 89% below median its 10-year median of 28.62 and 88.4% below the Banks industry median of 26.85. NIC Asia Bank's overall GF Score™ is 74/100 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 NIC Asia Bank (XNEP:NICA), the current Net Margin % is 3.12% 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 NIC Asia Bank (XNEP:NICA) Overvalued in 2026?
Based on GuruFocus' analysis, NIC Asia Bank stock appears to be undervalued.
The current stock price of NPR327.10 is trading 14.5% below its estimated GF Value™ of NPR382.45.
GuruFocus considers NIC Asia Bank to be Modestly Undervalued.
Key valuation signals for XNEP:NICA:
Net Margin %: 3.12% (89% below median its 10-year median of 28.62)
GF Value™: NPR382.45 vs. price of NPR327.10 (14.5% below fair value)
Industry Position: 88.4% below the Banks median (#1463 of 1528)
No single metric tells the full story. See the XNEP:NICA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
NIC Asia Bank Ltd is engaged in commercial banking services in Nepal. It is organized for management and reporting purposes into segments such as Retail Banking, Corporate Banking, SME Banking, Deprived Sector Banking (DSL), Treasury, Transaction Banking (TB) and Other Banking. It generates a vast majority of the revenues from the Retail banking segment.
74GF Score
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