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Nirdhan Utthan Laghubitta Bittiyanstha (XNEP:NUBL) 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.
Nirdhan Utthan Laghubitta Bittiyanstha Net Margin % Related Terms
Nirdhan Utthan Laghubitta 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.
Nirdhan Utthan Laghubitta Bittiyanstha Net Margin % Chart
Nirdhan Utthan Laghubitta Bittiyanstha Annual Data
Nirdhan Utthan Laghubitta Bittiyanstha Net Margin % Competitor Comparison
For the Banks - Regional subindustry, Nirdhan Utthan Laghubitta 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.
Nirdhan Utthan Laghubitta Bittiyanstha Net Margin % vs Banks Industry
* 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.
Nirdhan Utthan Laghubitta Bittiyanstha (XNEP:NUBL) has a Net Margin % of 6.14% as of Apr. 2026. Net margin is the ratio of total net income to net sales. View historical data on Nirdhan Utthan Laghubitta Bittiyanstha and its competitors. This is 81% below median its historical median of 32.67. Over the past decade, Nirdhan Utthan Laghubitta Bittiyanstha's Net Margin % has ranged from 8.18 to 41.56. According to the industry distribution chart, Nirdhan Utthan Laghubitta Bittiyanstha ranks #984 out of 1523 companies in the Banks industry, placing it in the top 64.6%.
Is Nirdhan Utthan Laghubitta Bittiyanstha's Net Margin % too high?
Nirdhan Utthan Laghubitta Bittiyanstha's current Net Margin % of 6.14% is 81% below median its 10-year median of 32.67. Over the past 10 years, this metric has ranged from a low of 8.18 to a high of 41.56. The Banks industry median Net Margin % is 27.34. Nirdhan Utthan Laghubitta Bittiyanstha's value of 6.14% is 77.5% below this industry median. Based on the distribution chart, Nirdhan Utthan Laghubitta Bittiyanstha ranks #984 out of 1523 companies in the Banks industry, which is below the industry midpoint. Overall, Nirdhan Utthan Laghubitta Bittiyanstha has a GF Score™ of 79/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Nirdhan Utthan Laghubitta Bittiyanstha's Net Margin % compare to competitors?
According to the Banks industry distribution chart, Nirdhan Utthan Laghubitta Bittiyanstha ranks #984 out of 1523 companies for Net Margin %. This places Nirdhan Utthan Laghubitta Bittiyanstha in the lower half of its industry. The industry median Net Margin % is 27.34. Nirdhan Utthan Laghubitta Bittiyanstha's value of 6.14% is 77.5% below this benchmark. Historically, Nirdhan Utthan Laghubitta Bittiyanstha's own Net Margin % has ranged from 8.18 to 41.56 over the past decade. While the company's 10-year median is 32.67 vs. the industry median of 27.34, Nirdhan Utthan Laghubitta Bittiyanstha 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 27.34, based on 1,523 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. Nirdhan Utthan Laghubitta Bittiyanstha's current Net Margin % of 6.14% is 77.5% 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 Nirdhan Utthan Laghubitta Bittiyanstha and its competitors. For the Banks industry, the median Net Margin % is 27.34 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Nirdhan Utthan Laghubitta Bittiyanstha's current Net Margin % is 6.14%, which is 81% below median its own 10-year median of 32.67. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Nirdhan Utthan Laghubitta Bittiyanstha stock overvalued right now?
Based on GuruFocus' analysis, Nirdhan Utthan Laghubitta Bittiyanstha (XNEP:NUBL) is currently considered Fairly Valued. The stock's GF Value™ is NPR616.61, compared to a current price of NPR574.00 — trading 6.9% below its estimated fair value. The current Net Margin % is 6.14%, which is 81% below median its 10-year median of 32.67 and 77.5% below the Banks industry median of 27.34. Nirdhan Utthan Laghubitta Bittiyanstha's overall GF Score™ is 79/100 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 Nirdhan Utthan Laghubitta Bittiyanstha (XNEP:NUBL), the current Net Margin % is 6.14% 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 Nirdhan Utthan Laghubitta Bittiyanstha (XNEP:NUBL) Overvalued in 2026?
Based on GuruFocus' analysis, Nirdhan Utthan Laghubitta Bittiyanstha stock appears to be undervalued.
The current stock price of NPR574.00 is trading 6.9% below its estimated GF Value™ of NPR616.61.
GuruFocus considers Nirdhan Utthan Laghubitta Bittiyanstha to be Fairly Valued.
Key valuation signals for XNEP:NUBL:
Net Margin %: 6.14% (81% below median its 10-year median of 32.67)
GF Value™: NPR616.61 vs. price of NPR574.00 (6.9% below fair value)
Industry Position: 77.5% below the Banks median (#984 of 1523)
No single metric tells the full story. See the XNEP:NUBL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Nirdhan Utthan Laghubitta Bittiya Sanstha Ltd provides microfinance services such as loans, deposits, micro-insurance, and remittance services to low-income families of Nepal. Its financial sources are deposits from the public, group savings deposits, borrowings from financial institutions, and shareholders' funds. The company offers General Loan, Agriculture Loan, Housing Loan, Energy Loan, Public Deposits, Client Savings, and others. It has three reportable segments: Revenue and Expenses, Segment Assets, Segment Liabilities, and Other Segments.
79GF Score
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