Hypothekarbank Lenzburg AGXSWX:HBLN 59 Net Margin % is 19.31% as of Dec. 2025, which is 19% below its 10-year median of 23.75. GuruFocus rates XSWX:HBLN with a GF Score™ of 59/100 and a GF Value™ of CHF5,024.16 (Modestly Undervalued). The stock has 1 warning sign investors should review. Among 1,528 Banks companies, Hypothekarbank Lenzburg AG ranks worse than 79.38% on this metric.
The historical rank and industry rank for Hypothekarbank Lenzburg AG's Net Margin % or its related term are showing as below:
XSWX:HBLN'
s Net Margin % Range Over the Past 10 Years
Min: 16.01 Med: 23.75 Max: 29.86
Current: 16.01
XSWX:HBLN's Net Margin % is ranked worse than 79.38% of 1528
companies
in the Banks industry
Industry Median: 26.845
vs XSWX:HBLN: 16.01
Hypothekarbank Lenzburg AG (XSWX:HBLN) 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.
Hypothekarbank Lenzburg AG Net Margin % Related Terms
Hypothekarbank Lenzburg AG 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.
XSWX:HBLN vs RKT, FNMA, PFSI: Net Margin % Comparison
For the Mortgage Finance subindustry, Hypothekarbank Lenzburg AG'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.
Hypothekarbank Lenzburg AG Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Hypothekarbank Lenzburg AG's Net Margin % distribution charts can be found below:
* The bar in red indicates where Hypothekarbank Lenzburg AG'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.
Hypothekarbank Lenzburg AG (XSWX:HBLN) has a Net Margin % of 19.31% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Hypothekarbank Lenzburg AG and its competitors. This is 19% below median its historical median of 23.75. Over the past decade, Hypothekarbank Lenzburg AG's Net Margin % has ranged from 16.01 to 29.86. According to the industry distribution chart, Hypothekarbank Lenzburg AG ranks #1213 out of 1528 companies in the Banks industry, placing it in the top 79.4%.
Is Hypothekarbank Lenzburg AG's Net Margin % too high?
Hypothekarbank Lenzburg AG's current Net Margin % of 19.31% is 19% below median its 10-year median of 23.75. Over the past 10 years, this metric has ranged from a low of 16.01 to a high of 29.86. The Banks industry median Net Margin % is 26.85. Hypothekarbank Lenzburg AG's value of 19.31% is 28.1% below this industry median. Based on the distribution chart, Hypothekarbank Lenzburg AG ranks #1213 out of 1528 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Hypothekarbank Lenzburg AG has a GF Score™ of 59/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Hypothekarbank Lenzburg AG's Net Margin % compare to RKT and FNMA?
According to the Banks industry distribution chart, Hypothekarbank Lenzburg AG ranks #1213 out of 1528 companies for Net Margin %. This places Hypothekarbank Lenzburg AG in the lower half of its industry. The industry median Net Margin % is 26.85. Hypothekarbank Lenzburg AG's value of 19.31% is 28.1% below this benchmark. Historically, Hypothekarbank Lenzburg AG's own Net Margin % has ranged from 16.01 to 29.86 over the past decade. While the company's 10-year median is 23.75 vs. the industry median of 26.85, Hypothekarbank Lenzburg AG 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 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. Hypothekarbank Lenzburg AG's current Net Margin % of 19.31% is 28.1% 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 Hypothekarbank Lenzburg AG 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. Hypothekarbank Lenzburg AG's current Net Margin % is 19.31%, which is 19% below median its own 10-year median of 23.75. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Hypothekarbank Lenzburg AG stock overvalued right now?
Based on GuruFocus' analysis, Hypothekarbank Lenzburg AG (XSWX:HBLN) is currently considered Modestly Undervalued. The stock's GF Value™ is CHF5,024.16, compared to a current price of CHF4,100.00 — trading 18.4% below its estimated fair value. The current Net Margin % is 19.31%, which is 19% below median its 10-year median of 23.75 and 28.1% below the Banks industry median of 26.85. Hypothekarbank Lenzburg AG's overall GF Score™ is 59/100 with 1 warning sign 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 Hypothekarbank Lenzburg AG (XSWX:HBLN), the current Net Margin % is 19.31% as of Dec. 2025. 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 Hypothekarbank Lenzburg AG (XSWX:HBLN) Overvalued in 2026?
Based on GuruFocus' analysis, Hypothekarbank Lenzburg AG stock appears to be undervalued.
The current stock price of CHF4,100.00 is trading 18.4% below its estimated GF Value™ of CHF5,024.16.
GuruFocus considers Hypothekarbank Lenzburg AG to be Modestly Undervalued.
Key valuation signals for XSWX:HBLN:
Net Margin %: 19.31% (19% below median its 10-year median of 23.75)
GF Value™: CHF5,024.16 vs. price of CHF4,100.00 (18.4% below fair value)
Industry Position: 28.1% below the Banks median (#1213 of 1528)
No single metric tells the full story. See the XSWX:HBLN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Hypothekarbank Lenzburg AG is a Swiss mortgage bank. The Bank provides lending and other general banking services. It also focuses on housing construction, commercial, industrial, and Rest properties. It provides consultation services, mortgage, investment options to its clients and E-banking service.
59GF Score
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