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Sanima BankXNEP:SANIMA -0.22%98 Net Margin % is 36.82% as of Apr. 2026, which is 4% below its 10-year median of 38.31. GuruFocus rates XNEP:SANIMA with a GF Score™ of 98/100 and a GF Value™ of NPR382.38 (Fairly Valued). The stock has 2 warning signs investors should review. Among 1,525 Banks companies, Sanima Bank ranks better than 69.51% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Sanima Bank's Net Income for the
three
months ended in Apr. 2026 was NPR972 Mil. Sanima Bank's Revenue for the
three
months ended in Apr. 2026 was NPR2,641 Mil. Therefore, Sanima Bank's net margin for the quarter that ended in Apr. 2026 was 36.82%.
The historical rank and industry rank for Sanima Bank's Net Margin % or its related term are showing as below:
XNEP:SANIMA'
s Net Margin % Range Over the Past 10 Years
Min: 29.51 Med: 38.31 Max: 46.35
Current: 33.08
XNEP:SANIMA's Net Margin % is ranked better than 69.51% of 1525
companies
in the Banks industry
Industry Median: 27.1
vs XNEP:SANIMA: 33.08
Sanima Bank (XNEP:SANIMA) 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.
Sanima Bank Net Margin % Related Terms
Sanima Bank Net Margin % Historical Data
* Premium members only.
The historical data trend for Sanima 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, Sanima 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.
Sanima Bank Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Sanima Bank's Net Margin % distribution charts can be found below:
* The bar in red indicates where Sanima 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.
Sanima Bank (XNEP:SANIMA) has a Net Margin % of 36.82% as of Apr. 2026. Net margin is the ratio of total net income to net sales. View historical data on Sanima Bank and its competitors. This is near median its historical median of 38.31. Over the past decade, Sanima Bank's Net Margin % has ranged from 29.51 to 46.35. According to the industry distribution chart, Sanima Bank ranks #465 out of 1525 companies in the Banks industry, placing it in the top 30.5%.
Is Sanima Bank's Net Margin % too high?
Sanima Bank's current Net Margin % of 36.82% is near median its 10-year median of 38.31. Over the past 10 years, this metric has ranged from a low of 29.51 to a high of 46.35. The Banks industry median Net Margin % is 27.10. Sanima Bank's value of 36.82% is 35.9% above this industry median. Based on the distribution chart, Sanima Bank ranks #465 out of 1525 companies in the Banks industry, which is above the industry midpoint. Overall, Sanima Bank has a GF Score™ of 98/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Sanima Bank's Net Margin % compare to competitors?
According to the Banks industry distribution chart, Sanima Bank ranks #465 out of 1525 companies for Net Margin %. This puts Sanima Bank in the upper half of its industry. The industry median Net Margin % is 27.10. Sanima Bank's value of 36.82% is 35.9% above this benchmark. Historically, Sanima Bank's own Net Margin % has ranged from 29.51 to 46.35 over the past decade. While the company's 10-year median is 38.31 vs. the industry median of 27.10, Sanima Bank 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 Banks company?
The median Net Margin % among Banks companies is 27.10, based on 1,525 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. Sanima Bank's current Net Margin % of 36.82% is 35.9% 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 Sanima Bank and its competitors. For the Banks industry, the median Net Margin % is 27.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sanima Bank's current Net Margin % is 36.82%, which is near median its own 10-year median of 38.31. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sanima Bank stock overvalued right now?
Based on GuruFocus' analysis, Sanima Bank (XNEP:SANIMA) is currently considered Fairly Valued. The stock's GF Value™ is NPR382.38, compared to a current price of NPR369.00 — trading 3.5% below its estimated fair value. The current Net Margin % is 36.82%, which is near median its 10-year median of 38.31 and 35.9% above the Banks industry median of 27.10. Sanima Bank's overall GF Score™ is 98/100 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 Sanima Bank (XNEP:SANIMA), the current Net Margin % is 36.82% 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 Sanima Bank (XNEP:SANIMA) Overvalued in 2026?
Based on GuruFocus' analysis, Sanima Bank stock appears to be undervalued.
The current stock price of NPR369.00 is trading 3.5% below its estimated GF Value™ of NPR382.38.
GuruFocus considers Sanima Bank to be Fairly Valued.
Key valuation signals for XNEP:SANIMA:
Net Margin %: 36.82% (near median its 10-year median of 38.31)
GF Value™: NPR382.38 vs. price of NPR369.00 (3.5% below fair value)
Industry Position: 35.9% above the Banks median (#465 of 1525)
No single metric tells the full story. See the XNEP:SANIMA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Sanima Bank Ltd is a registered bank operating in Nepal. It offers various banking and related services to individuals and corporate customers. The company provides retail and commercial banking products such as savings, current accounts, deposits, fixed deposits, staff salary account and remittance saving account. It also offers credit facilities to individuals including home loan, education loan, auto loan, overdraft, agro equipment loan, personal loan, gold loan as well as it provides microenterprises loan, project financing, corporate loan, term loan, small-medium enterprise (SME) loan and commercial vehicle loan to corporates. In addition, it provides trade finance, online banking, mobile banking, priority banking, and others. Most of the company's revenue comes from Nepal.
98GF Score
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