The historical rank and industry rank for NMB Microfinance Bittiyanstha's Net Margin % or its related term are showing as below:
XNEP:NMBMF'
s Net Margin % Range Over the Past 10 Years
Min: -17.04 Med: 18.37 Max: 33.97
Current: 16.66
XNEP:NMBMF's Net Margin % is ranked better than 55.53% of 533
companies
in the Credit Services industry
Industry Median: 14.54
vs XNEP:NMBMF: 16.66
NMB Microfinance Bittiyanstha (XNEP:NMBMF) 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.
NMB Microfinance Bittiyanstha Net Margin % Related Terms
NMB Microfinance 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.
For the Credit Services subindustry, NMB Microfinance 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.
NMB Microfinance Bittiyanstha Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, NMB Microfinance Bittiyanstha's Net Margin % distribution charts can be found below:
* The bar in red indicates where NMB Microfinance 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.
NMB Microfinance Bittiyanstha (XNEP:NMBMF) has a Net Margin % of 28.95% as of Apr. 2026. Net margin is the ratio of total net income to net sales. View historical data on NMB Microfinance Bittiyanstha and its competitors. This is 58% above median its historical median of 18.37. According to the industry distribution chart, NMB Microfinance Bittiyanstha ranks #237 out of 533 companies in the Credit Services industry, placing it in the top 44.5%.
Is NMB Microfinance Bittiyanstha's Net Margin % too high?
NMB Microfinance Bittiyanstha's current Net Margin % of 28.95% is 58% above median its 10-year median of 18.37. The Credit Services industry median Net Margin % is 14.54. NMB Microfinance Bittiyanstha's value of 28.95% is 99.1% above this industry median. Based on the distribution chart, NMB Microfinance Bittiyanstha ranks #237 out of 533 companies in the Credit Services industry, which is above the industry midpoint. Overall, NMB Microfinance Bittiyanstha has a GF Score™ of 53/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does NMB Microfinance Bittiyanstha's Net Margin % compare to V and MA?
According to the Credit Services industry distribution chart, NMB Microfinance Bittiyanstha ranks #237 out of 533 companies for Net Margin %. This puts NMB Microfinance Bittiyanstha in the upper half of its industry. The industry median Net Margin % is 14.54. NMB Microfinance Bittiyanstha's value of 28.95% is 99.1% above this benchmark. While the company's 10-year median is 18.37 vs. the industry median of 14.54, NMB Microfinance 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 Credit Services company?
The median Net Margin % among Credit Services companies is 14.54, based on 533 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. NMB Microfinance Bittiyanstha's current Net Margin % of 28.95% is 99.1% 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 NMB Microfinance Bittiyanstha and its competitors. For the Credit Services industry, the median Net Margin % is 14.54 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. NMB Microfinance Bittiyanstha's current Net Margin % is 28.95%, which is 58% above median its own 10-year median of 18.37. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is NMB Microfinance Bittiyanstha stock overvalued right now?
Based on GuruFocus' analysis, NMB Microfinance Bittiyanstha (XNEP:NMBMF) is currently considered Possible Value Trap. The stock's GF Value™ is NPR2,188.06, compared to a current price of NPR622.00 — trading 71.6% below its estimated fair value. The current Net Margin % is 28.95%, which is 58% above median its 10-year median of 18.37 and 99.1% above the Credit Services industry median of 14.54. NMB Microfinance Bittiyanstha's overall GF Score™ is 53/100 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 NMB Microfinance Bittiyanstha (XNEP:NMBMF), the current Net Margin % is 28.95% 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 NMB Microfinance Bittiyanstha (XNEP:NMBMF) Overvalued in 2026?
Based on GuruFocus' analysis, NMB Microfinance Bittiyanstha stock appears to be undervalued.
The current stock price of NPR622.00 is trading 71.6% below its estimated GF Value™ of NPR2,188.06.
GuruFocus considers NMB Microfinance Bittiyanstha to be Possible Value Trap.
Key valuation signals for XNEP:NMBMF:
Net Margin %: 28.95% (58% above median its 10-year median of 18.37)
GF Value™: NPR2,188.06 vs. price of NPR622.00 (71.6% below fair value)
Industry Position: 99.1% above the Credit Services median (#237 of 533)
No single metric tells the full story. See the XNEP:NMBMF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
NMB Microfinance Bittiyanstha Business Description
NMB Microfinance Bittiya Sanstha Ltd is a Nepal-based financial institution engaged in providing microfinance services to low-income and underserved households across the Hilly, Mountain, and Terai regions of Nepal. The company mainly serves individuals in the informal sector, focusing on financial inclusion and income-generating activities. Its services include micro-lending, savings and deposit products, and microinsurance.
53GF Score
Get the complete analysis for XNEP:NMBMF
Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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