Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Sagarmatha Lumbini Insurance Co (XNEP:SALICO) 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.
Sagarmatha Lumbini Insurance Co Net Margin % Related Terms
Sagarmatha Lumbini Insurance Co 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.
Sagarmatha Lumbini Insurance Co Net Margin % Chart
XNEP:SALICO vs BRK.A, AIG, HIG: Net Margin % Comparison
For the Insurance - Diversified subindustry, Sagarmatha Lumbini 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.
Sagarmatha Lumbini Insurance Co Net Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Sagarmatha Lumbini Insurance Co's Net Margin % distribution charts can be found below:
* The bar in red indicates where Sagarmatha Lumbini 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.
Sagarmatha Lumbini Insurance Co (XNEP:SALICO) has a Net Margin % of 19.72% as of Apr. 2026. Net margin is the ratio of total net income to net sales. View historical data on Sagarmatha Lumbini Insurance Co and its competitors. This is near median its historical median of 21.34. Over the past decade, Sagarmatha Lumbini Insurance Co's Net Margin % has ranged from 3.14 to 30.42. According to the industry distribution chart, Sagarmatha Lumbini Insurance Co ranks #387 out of 499 companies in the Insurance industry, placing it in the top 77.6%.
Is Sagarmatha Lumbini Insurance Co's Net Margin % too high?
Sagarmatha Lumbini Insurance Co's current Net Margin % of 19.72% is near median its 10-year median of 21.34. Over the past 10 years, this metric has ranged from a low of 3.14 to a high of 30.42. The Insurance industry median Net Margin % is 9.10. Sagarmatha Lumbini Insurance Co's value of 19.72% is 116.7% above this industry median. Based on the distribution chart, Sagarmatha Lumbini Insurance Co ranks #387 out of 499 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Sagarmatha Lumbini Insurance Co has a GF Score™ of 82/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Sagarmatha Lumbini Insurance Co's Net Margin % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Sagarmatha Lumbini Insurance Co ranks #387 out of 499 companies for Net Margin %. This places Sagarmatha Lumbini Insurance Co in the lower half of its industry. The industry median Net Margin % is 9.10. Sagarmatha Lumbini Insurance Co's value of 19.72% is 116.7% above this benchmark. Historically, Sagarmatha Lumbini Insurance Co's own Net Margin % has ranged from 3.14 to 30.42 over the past decade. While the company's 10-year median is 21.34 vs. the industry median of 9.10, Sagarmatha Lumbini Insurance Co 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 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. Sagarmatha Lumbini Insurance Co's current Net Margin % of 19.72% is 116.7% 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 Sagarmatha Lumbini 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. Sagarmatha Lumbini Insurance Co's current Net Margin % is 19.72%, which is near median its own 10-year median of 21.34. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sagarmatha Lumbini Insurance Co stock overvalued right now?
Based on GuruFocus' analysis, Sagarmatha Lumbini Insurance Co (XNEP:SALICO) is currently considered Possible Value Trap. The stock's GF Value™ is NPR941.69, compared to a current price of NPR598.00 — trading 36.5% below its estimated fair value. The current Net Margin % is 19.72%, which is near median its 10-year median of 21.34 and 116.7% above the Insurance industry median of 9.10. Sagarmatha Lumbini Insurance Co'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 Sagarmatha Lumbini Insurance Co (XNEP:SALICO), the current Net Margin % is 19.72% 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 Sagarmatha Lumbini Insurance Co (XNEP:SALICO) Overvalued in 2026?
Based on GuruFocus' analysis, Sagarmatha Lumbini Insurance Co stock appears to be undervalued.
The current stock price of NPR598.00 is trading 36.5% below its estimated GF Value™ of NPR941.69.
GuruFocus considers Sagarmatha Lumbini Insurance Co to be Possible Value Trap.
Key valuation signals for XNEP:SALICO:
Net Margin %: 19.72% (near median its 10-year median of 21.34)
GF Value™: NPR941.69 vs. price of NPR598.00 (36.5% below fair value)
Industry Position: 116.7% above the Insurance median (#387 of 499)
No single metric tells the full story. See the XNEP:SALICO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Sagarmatha Lumbini Insurance Co Ltd provides various non-life insurance products through its province offices, branches, sub-branches, and network of agents. The company's offerings include personal and corporate insurance solutions, including property, motor, marine, engineering, aviation, agriculture, and micro insurance. The majority of the company's revenue is generated from property insurance. The company operates predominantly in Nepal.
82GF Score
Get the complete analysis for XNEP:SALICO
Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
XNEP:SALICO has been successfully added to your 
