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Sanima BankXNEP:SANIMA -0.22%98 OCF Margin % is 75.67% as of Apr. 2026, which is 5% above its 10-year median of 71.81. 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 1,499 Banks companies, Sanima Bank ranks worse than 76.45% on this metric.
The historical data trend for Sanima 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, Sanima 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.
Sanima Bank OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Sanima Bank's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Sanima 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.
Sanima Bank (XNEP:SANIMA) has a OCF Margin % of 75.67% as of Apr. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Sanima Bank and its competitors. This is near median its historical median of 71.81. According to the industry distribution chart, Sanima Bank ranks #1146 out of 1499 companies in the Banks industry, placing it in the top 76.5%.
Is Sanima Bank's OCF Margin % too high?
Sanima Bank's current OCF Margin % of 75.67% is near median its 10-year median of 71.81. The Banks industry median OCF Margin % is 29.97. Sanima Bank's value of 75.67% is 152.5% above this industry median. Based on the distribution chart, Sanima Bank ranks #1146 out of 1499 companies in the Banks industry, which is in the bottom quartile relative to peers. 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 OCF Margin % compare to competitors?
According to the Banks industry distribution chart, Sanima Bank ranks #1146 out of 1499 companies for OCF Margin %. This places Sanima Bank in the lower half of its industry. The industry median OCF Margin % is 29.97. Sanima Bank's value of 75.67% is 152.5% above this benchmark. While the company's 10-year median is 71.81 vs. the industry median of 29.97, 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 OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.97, based on 1,499 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. Sanima Bank's current OCF Margin % of 75.67% is 152.5% 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 Sanima Bank and its competitors. For the Banks industry, the median OCF Margin % is 29.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sanima Bank's current OCF Margin % is 75.67%, which is near median its own 10-year median of 71.81. 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 OCF Margin % is 75.67%, which is near median its 10-year median of 71.81 and 152.5% above the Banks industry median of 29.97. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Sanima Bank (XNEP:SANIMA), the current OCF Margin % is 75.67% 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:
OCF Margin %: 75.67% (near median its 10-year median of 71.81)
GF Value™: NPR382.38 vs. price of NPR369.00 (3.5% below fair value)
Industry Position: 152.5% above the Banks median (#1146 of 1499)
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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