Addiko Bank AGADBKF 71 Net Margin % is 10.34% as of Dec. 2025, which is 23% below its 10-year median of 13.36. GuruFocus rates ADBKF with a GF Score™ of 71/100 and a GF Value™ of $22.54 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,527 Banks companies, Addiko Bank AG ranks worse than 85.2% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Addiko Bank AG's Net Income for the
three
months ended in Dec. 2025 was $10.2 Mil. Addiko Bank AG's Revenue for the
three
months ended in Dec. 2025 was $98.5 Mil. Therefore, Addiko Bank AG's net margin for the quarter that ended in Dec. 2025 was 10.34%.
The historical rank and industry rank for Addiko Bank AG's Net Margin % or its related term are showing as below:
ADBKF'
s Net Margin % Range Over the Past 10 Years
Min: -9.35 Med: 13.36 Max: 33.27
Current: 12.31
ADBKF's Net Margin % is ranked worse than 85.2% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs ADBKF: 12.31
Addiko Bank AG (OTCPK:ADBKF) 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.
Addiko Bank AG Net Margin % Related Terms
Addiko Bank AG Net Margin % Historical Data
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The historical data trend for Addiko Bank AG's Net 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, Addiko Bank 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.
Addiko Bank AG Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Addiko Bank AG's Net Margin % distribution charts can be found below:
* The bar in red indicates where Addiko Bank 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.
Addiko Bank AG (ADBKF) has a Net Margin % of 10.34% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Addiko Bank AG and its competitors. This is 23% below median its historical median of 13.36. According to the industry distribution chart, Addiko Bank AG ranks #1301 out of 1527 companies in the Banks industry, placing it in the top 85.2%.
Is Addiko Bank AG's Net Margin % too high?
Addiko Bank AG's current Net Margin % of 10.34% is 23% below median its 10-year median of 13.36. The Banks industry median Net Margin % is 26.95. Addiko Bank AG's value of 10.34% is 61.6% below this industry median. Based on the distribution chart, Addiko Bank AG ranks #1301 out of 1527 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Addiko Bank AG has a GF Score™ of 71/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Addiko Bank AG's Net Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Addiko Bank AG ranks #1301 out of 1527 companies for Net Margin %. This places Addiko Bank AG in the lower half of its industry. The industry median Net Margin % is 26.95. Addiko Bank AG's value of 10.34% is 61.6% below this benchmark. While the company's 10-year median is 13.36 vs. the industry median of 26.95, Addiko Bank 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 26.95, based on 1,527 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. Addiko Bank AG's current Net Margin % of 10.34% is 61.6% 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 Addiko Bank AG and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Addiko Bank AG's current Net Margin % is 10.34%, which is 23% below median its own 10-year median of 13.36. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Addiko Bank AG stock overvalued right now?
Based on GuruFocus' analysis, Addiko Bank AG (ADBKF) is currently considered Significantly Overvalued. The stock's GF Value™ is $22.54, compared to a current price of $30.23 — trading 34.1% above its estimated fair value. The current Net Margin % is 10.34%, which is 23% below median its 10-year median of 13.36 and 61.6% below the Banks industry median of 26.95. Addiko Bank AG's overall GF Score™ is 71/100 with 4 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 Addiko Bank AG (ADBKF), the current Net Margin % is 10.34% 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 Addiko Bank AG (ADBKF) Overvalued in 2026?
Based on GuruFocus' analysis, Addiko Bank AG stock appears to be overvalued.
The current stock price of $30.23 is trading 34.1% above its estimated GF Value™ of $22.54.
GuruFocus considers Addiko Bank AG to be Significantly Overvalued.
Key valuation signals for ADBKF:
Net Margin %: 10.34% (23% below median its 10-year median of 13.36)
GF Value™: $22.54 vs. price of $30.23 (34.1% above fair value)
Industry Position: 61.6% below the Banks median (#1301 of 1527)
No single metric tells the full story. See the ADBKF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Addiko Bank AG is an international banking group. The company offers direct and term deposits, digital products, and various other services. The company's operating segments include Consumer, SME Business, Mortgage, Large Corporate & Public Finance, and Corporate Center. The company generates the majority of its revenue from the Consumer segment.
71GF Score
Get the complete analysis for ADBKF
Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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