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Life Insurance NepalXNEP:LICN -0.01%82 Pretax Margin % is 8.81% as of Apr. 2026, which is 86% below its 10-year median of 63.73. GuruFocus rates XNEP:LICN with a GF Score™ of 82/100 and a GF Value™ of NPR891.53 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 500 Insurance companies, Life Insurance Nepal ranks worse than 64.6% on this metric.
Life Insurance Nepal (XNEP:LICN) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Life Insurance Nepal Pretax Margin % Related Terms
Life Insurance Nepal Pretax Margin % Historical Data
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The historical data trend for Life Insurance Nepal's Pretax 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.
XNEP:LICN vs AFL, MET, PRU: Pretax Margin % Comparison
For the Insurance - Life subindustry, Life Insurance Nepal's Pretax Margin %, along with its competitors' market caps and Pretax 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.
Life Insurance Nepal Pretax Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Life Insurance Nepal's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Life Insurance Nepal's Pretax 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.
Life Insurance Nepal (XNEP:LICN) has a Pretax Margin % of 8.81% as of Apr. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Life Insurance Nepal and its competitors. This is 86% below median its historical median of 63.73. Over the past decade, Life Insurance Nepal's Pretax Margin % has ranged from 8.34 to 76.12. According to the industry distribution chart, Life Insurance Nepal ranks #323 out of 500 companies in the Insurance industry, placing it in the top 64.6%.
Is Life Insurance Nepal's Pretax Margin % too high?
Life Insurance Nepal's current Pretax Margin % of 8.81% is 86% below median its 10-year median of 63.73. Over the past 10 years, this metric has ranged from a low of 8.34 to a high of 76.12. The Insurance industry median Pretax Margin % is 11.88. Life Insurance Nepal's value of 8.81% is 25.8% below this industry median. Based on the distribution chart, Life Insurance Nepal ranks #323 out of 500 companies in the Insurance industry, which is below the industry midpoint. Overall, Life Insurance Nepal has a GF Score™ of 82/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Life Insurance Nepal's Pretax Margin % compare to AFL and MET?
According to the Insurance industry distribution chart, Life Insurance Nepal ranks #323 out of 500 companies for Pretax Margin %. This places Life Insurance Nepal in the lower half of its industry. The industry median Pretax Margin % is 11.88. Life Insurance Nepal's value of 8.81% is 25.8% below this benchmark. Historically, Life Insurance Nepal's own Pretax Margin % has ranged from 8.34 to 76.12 over the past decade. While the company's 10-year median is 63.73 vs. the industry median of 11.88, Life Insurance Nepal 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 Pretax Margin % for an Insurance company?
The median Pretax Margin % among Insurance companies is 11.88, based on 500 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Life Insurance Nepal's current Pretax Margin % of 8.81% is 25.8% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Life Insurance Nepal and its competitors. For the Insurance industry, the median Pretax Margin % is 11.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Life Insurance Nepal's current Pretax Margin % is 8.81%, which is 86% below median its own 10-year median of 63.73. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Life Insurance Nepal stock overvalued right now?
Based on GuruFocus' analysis, Life Insurance Nepal (XNEP:LICN) is currently considered Modestly Undervalued. The stock's GF Value™ is NPR891.53, compared to a current price of NPR787.90 — trading 11.6% below its estimated fair value. The current Pretax Margin % is 8.81%, which is 86% below median its 10-year median of 63.73 and 25.8% below the Insurance industry median of 11.88. Life Insurance Nepal's overall GF Score™ is 82/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Life Insurance Nepal (XNEP:LICN), the current Pretax Margin % is 8.81% 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 Life Insurance Nepal (XNEP:LICN) Overvalued in 2026?
Based on GuruFocus' analysis, Life Insurance Nepal stock appears to be undervalued.
The current stock price of NPR787.90 is trading 11.6% below its estimated GF Value™ of NPR891.53.
GuruFocus considers Life Insurance Nepal to be Modestly Undervalued.
Key valuation signals for XNEP:LICN:
Pretax Margin %: 8.81% (86% below median its 10-year median of 63.73)
GF Value™: NPR891.53 vs. price of NPR787.90 (11.6% below fair value)
Industry Position: 25.8% below the Insurance median (#323 of 500)
No single metric tells the full story. See the XNEP:LICN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Life Insurance Corp Nepal Ltd is engaged in the life insurance business in Nepal, providing participating and non-participating life insurance products through its provincial offices, branches, sub-branches, and network of agents. Its product portfolio includes endowment plans, child plans, and money-back plans, and it provides services such as reviving lapsed policies, policy loans, nominations, and bonuses to policyholders. Revenue is mainly generated from premiums and investments, including regular and single-premium collections, returns from investments in equities, bonds, and other financial instruments, service-related fees, and commission on reinsurance ceded.
82GF Score
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