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NLG Insurance CoXNEP:NLG +1.76%84 Net Margin % is 4.78% as of Apr. 2026, which is 72% below its 10-year median of 17.07. GuruFocus rates XNEP:NLG with a GF Score™ of 84/100 and a GF Value™ of NPR874.66 (Significantly Undervalued). The stock has 2 warning signs investors should review. Among 499 Insurance companies, NLG Insurance Co ranks worse than 73.95% on this metric.
NLG Insurance Co (XNEP:NLG) 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.
NLG Insurance Co Net Margin % Related Terms
NLG Insurance Co Net Margin % Historical Data
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The historical data trend for NLG Insurance Co'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.
XNEP:NLG vs BRK.A, AIG, HIG: Net Margin % Comparison
For the Insurance - Diversified subindustry, NLG Insurance Co'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.
NLG Insurance Co Net Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, NLG Insurance Co's Net Margin % distribution charts can be found below:
* The bar in red indicates where NLG Insurance Co'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.
NLG Insurance Co (XNEP:NLG) has a Net Margin % of 4.78% as of Apr. 2026. Net margin is the ratio of total net income to net sales. View historical data on NLG Insurance Co and its competitors. This is 72% below median its historical median of 17.07. Over the past decade, NLG Insurance Co's Net Margin % has ranged from 4.23 to 26.78. According to the industry distribution chart, NLG Insurance Co ranks #369 out of 499 companies in the Insurance industry, placing it in the top 73.9%.
Is NLG Insurance Co's Net Margin % too high?
NLG Insurance Co's current Net Margin % of 4.78% is 72% below median its 10-year median of 17.07. Over the past 10 years, this metric has ranged from a low of 4.23 to a high of 26.78. The Insurance industry median Net Margin % is 9.10. NLG Insurance Co's value of 4.78% is 47.5% below this industry median. Based on the distribution chart, NLG Insurance Co ranks #369 out of 499 companies in the Insurance industry, which is below the industry midpoint. Overall, NLG Insurance Co has a GF Score™ of 84/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does NLG Insurance Co's Net Margin % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, NLG Insurance Co ranks #369 out of 499 companies for Net Margin %. This places NLG Insurance Co in the lower half of its industry. The industry median Net Margin % is 9.10. NLG Insurance Co's value of 4.78% is 47.5% below this benchmark. Historically, NLG Insurance Co's own Net Margin % has ranged from 4.23 to 26.78 over the past decade. While the company's 10-year median is 17.07 vs. the industry median of 9.10, NLG Insurance Co 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 9.10, based on 499 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. NLG Insurance Co's current Net Margin % of 4.78% is 47.5% 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 NLG Insurance Co and its competitors. For the Insurance industry, the median Net Margin % is 9.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. NLG Insurance Co's current Net Margin % is 4.78%, which is 72% below median its own 10-year median of 17.07. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is NLG Insurance Co stock overvalued right now?
Based on GuruFocus' analysis, NLG Insurance Co (XNEP:NLG) is currently considered Significantly Undervalued. The stock's GF Value™ is NPR874.66, compared to a current price of NPR585.00 — trading 33.1% below its estimated fair value. The current Net Margin % is 4.78%, which is 72% below median its 10-year median of 17.07 and 47.5% below the Insurance industry median of 9.10. NLG Insurance Co's overall GF Score™ is 84/100 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 NLG Insurance Co (XNEP:NLG), the current Net Margin % is 4.78% 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 NLG Insurance Co (XNEP:NLG) Overvalued in 2026?
Based on GuruFocus' analysis, NLG Insurance Co stock appears to be undervalued.
The current stock price of NPR585.00 is trading 33.1% below its estimated GF Value™ of NPR874.66.
GuruFocus considers NLG Insurance Co to be Significantly Undervalued.
Key valuation signals for XNEP:NLG:
Net Margin %: 4.78% (72% below median its 10-year median of 17.07)
GF Value™: NPR874.66 vs. price of NPR585.00 (33.1% below fair value)
Industry Position: 47.5% below the Insurance median (#369 of 499)
No single metric tells the full story. See the XNEP:NLG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
NLG Insurance Co Ltd is a composite insurance company. It provides non-life insurance products. The company's offerings include Motor, Property, Engineering, Marine, Aviation, Agriculture, and Miscellaneous Insurance.
84GF Score
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