JS BankKAR:JSBL +0.89%36 OCF Margin % is 433.32% as of Mar. 2026, which is 389% above its 10-year median of 88.66. GuruFocus rates KAR:JSBL with a GF Score™ of 36/100 and a GF Value™ of ₨13.58 (Fairly Valued). The stock has 2 warning signs investors should review. Among 1,500 Banks companies, JS Bank ranks better than 86.27% on this metric.
The historical rank and industry rank for JS Bank's OCF Margin % or its related term are showing as below:
KAR:JSBL'
s OCF Margin % Range Over the Past 10 Years
Min: 12.4 Med: 88.66 Max: 337.64
Current: 111.23
During the past 4 years, the highest OCF Margin % of JS Bank was 337.64%. The lowest was 12.40%. And the median was 88.66%.
KAR:JSBL's OCF Margin % is ranked better than 86.27% of 1500
companies
in the Banks industry
Industry Median: 29.44
vs KAR:JSBL: 111.23
JS Bank OCF Margin % Related Terms
JS Bank OCF Margin % Historical Data
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The historical data trend for JS Bank's OCF 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, JS Bank's OCF Margin %, along with its competitors' market caps and OCF 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.
JS Bank OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, JS Bank's OCF Margin % distribution charts can be found below:
* The bar in red indicates where JS Bank's OCF 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.
JS Bank (KAR:JSBL) has a OCF Margin % of 433.32% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on JS Bank and its competitors. This is 389% above median its historical median of 88.66. Over the past decade, JS Bank's OCF Margin % has ranged from 12.40 to 337.64. According to the industry distribution chart, JS Bank ranks #206 out of 1500 companies in the Banks industry, placing it in the top 13.7%.
Is JS Bank's OCF Margin % too high?
JS Bank's current OCF Margin % of 433.32% is 389% above median its 10-year median of 88.66. Over the past 10 years, this metric has ranged from a low of 12.40 to a high of 337.64. The Banks industry median OCF Margin % is 29.44. JS Bank's value of 433.32% is 1371.9% above this industry median. Based on the distribution chart, JS Bank ranks #206 out of 1500 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, JS Bank has a GF Score™ of 36/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does JS Bank's OCF Margin % compare to PNC?
According to the Banks industry distribution chart, JS Bank ranks #206 out of 1500 companies for OCF Margin %. This places JS Bank in the top 14% of its industry — outperforming the majority of peers. The industry median OCF Margin % is 29.44. JS Bank's value of 433.32% is 1371.9% above this benchmark. Historically, JS Bank's own OCF Margin % has ranged from 12.40 to 337.64 over the past decade. While the company's 10-year median is 88.66 vs. the industry median of 29.44, JS 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 OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.44, based on 1,500 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. JS Bank's current OCF Margin % of 433.32% is 1371.9% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on JS Bank and its competitors. For the Banks industry, the median OCF Margin % is 29.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. JS Bank's current OCF Margin % is 433.32%, which is 389% above median its own 10-year median of 88.66. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is JS Bank stock overvalued right now?
Based on GuruFocus' analysis, JS Bank (KAR:JSBL) is currently considered Fairly Valued. The stock's GF Value™ is ₨13.58, compared to a current price of ₨12.52 — trading 7.8% below its estimated fair value. The current OCF Margin % is 433.32%, which is 389% above median its 10-year median of 88.66 and 1371.9% above the Banks industry median of 29.44. JS Bank's overall GF Score™ is 36/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For JS Bank (KAR:JSBL), the current OCF Margin % is 433.32% as of Mar. 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 JS Bank (KAR:JSBL) Overvalued in 2026?
Based on GuruFocus' analysis, JS Bank stock appears to be undervalued.
The current stock price of ₨12.52 is trading 7.8% below its estimated GF Value™ of ₨13.58.
GuruFocus considers JS Bank to be Fairly Valued.
Key valuation signals for KAR:JSBL:
OCF Margin %: 433.32% (389% above median its 10-year median of 88.66)
GF Value™: ₨13.58 vs. price of ₨12.52 (7.8% below fair value)
Industry Position: 1371.9% above the Banks median (#206 of 1500)
No single metric tells the full story. See the KAR:JSBL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
JS Bank Ltd is involved in providing financial services. The company operates in various business segments: Retail Banking; Corporate /Commercial Banking; Treasury; Investment, International, and Institutional; Banking; Zindigi; and Others. It derives maximum revenue from Retail Banking segment. Retail banking includes branch banking, small and medium enterprises, direct sales, private banking, product management, branch distribution network and tele sales. Geographically, the company operates in Bahrain and Pakistan. Its products include: Cash Settled Futures (CSF), Government Debt Securities-Primary Market Auction; Equity; Fixed Income-Secondary Market Trading; RDA - Roshan Equity Investment (REI); Derivatives; Exchange Traded Funds; Margin Trading System (MTS); and Sahulat Account.
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