The historical rank and industry rank for Shine Resunga Development Bank's Net Margin % or its related term are showing as below:
XNEP:SHINE'
s Net Margin % Range Over the Past 10 Years
Min: 21.69 Med: 33.55 Max: 50.2
Current: 30.59
XNEP:SHINE's Net Margin % is ranked better than 62.7% of 1528
companies
in the Banks industry
Industry Median: 26.845
vs XNEP:SHINE: 30.59
Shine Resunga Development Bank (XNEP:SHINE) 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.
Shine Resunga Development Bank Net Margin % Related Terms
Shine Resunga Development Bank 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.
Shine Resunga Development Bank Net Margin % Competitor Comparison
For the Banks - Regional subindustry, Shine Resunga Development 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.
Shine Resunga Development Bank Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Shine Resunga Development Bank's Net Margin % distribution charts can be found below:
* The bar in red indicates where Shine Resunga Development 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.
Shine Resunga Development Bank (XNEP:SHINE) has a Net Margin % of 44.83% as of Apr. 2026. Net margin is the ratio of total net income to net sales. View historical data on Shine Resunga Development Bank and its competitors. This is 34% above median its historical median of 33.55. Over the past decade, Shine Resunga Development Bank's Net Margin % has ranged from 21.69 to 50.20. According to the industry distribution chart, Shine Resunga Development Bank ranks #570 out of 1528 companies in the Banks industry, placing it in the top 37.3%.
Is Shine Resunga Development Bank's Net Margin % too high?
Shine Resunga Development Bank's current Net Margin % of 44.83% is 34% above median its 10-year median of 33.55. Over the past 10 years, this metric has ranged from a low of 21.69 to a high of 50.20. The Banks industry median Net Margin % is 26.85. Shine Resunga Development Bank's value of 44.83% is 67% above this industry median. Based on the distribution chart, Shine Resunga Development Bank ranks #570 out of 1528 companies in the Banks industry, which is above the industry midpoint. Overall, Shine Resunga Development Bank has a GF Score™ of 100/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Shine Resunga Development Bank's Net Margin % compare to competitors?
According to the Banks industry distribution chart, Shine Resunga Development Bank ranks #570 out of 1528 companies for Net Margin %. This puts Shine Resunga Development Bank in the upper half of its industry. The industry median Net Margin % is 26.85. Shine Resunga Development Bank's value of 44.83% is 67% above this benchmark. Historically, Shine Resunga Development Bank's own Net Margin % has ranged from 21.69 to 50.20 over the past decade. While the company's 10-year median is 33.55 vs. the industry median of 26.85, Shine Resunga Development 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 26.85, based on 1,528 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. Shine Resunga Development Bank's current Net Margin % of 44.83% is 67% 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 Shine Resunga Development Bank and its competitors. For the Banks industry, the median Net Margin % is 26.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Shine Resunga Development Bank's current Net Margin % is 44.83%, which is 34% above median its own 10-year median of 33.55. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Shine Resunga Development Bank stock overvalued right now?
Based on GuruFocus' analysis, Shine Resunga Development Bank (XNEP:SHINE) is currently considered Modestly Undervalued. The stock's GF Value™ is NPR466.92, compared to a current price of NPR396.40 — trading 15.1% below its estimated fair value. The current Net Margin % is 44.83%, which is 34% above median its 10-year median of 33.55 and 67% above the Banks industry median of 26.85. Shine Resunga Development Bank's overall GF Score™ is 100/100 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 Shine Resunga Development Bank (XNEP:SHINE), the current Net Margin % is 44.83% 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 Shine Resunga Development Bank (XNEP:SHINE) Overvalued in 2026?
Based on GuruFocus' analysis, Shine Resunga Development Bank stock appears to be undervalued.
The current stock price of NPR396.40 is trading 15.1% below its estimated GF Value™ of NPR466.92.
GuruFocus considers Shine Resunga Development Bank to be Modestly Undervalued.
Key valuation signals for XNEP:SHINE:
Net Margin %: 44.83% (34% above median its 10-year median of 33.55)
GF Value™: NPR466.92 vs. price of NPR396.40 (15.1% below fair value)
Industry Position: 67% above the Banks median (#570 of 1528)
No single metric tells the full story. See the XNEP:SHINE stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Shine Resunga Development Bank Business Description
Shine Resunga Development Bank Ltd is a regional development bank in Nepal. The company offers products and services including saving deposits, fixed deposits, call current, business loans, consumer loans, and others. The maximum revenue from Nepal itself is from Lumbini Province.
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