BSP Financial GroupASX:BFL -0.12%58 Net Margin % is 33.39% as of Dec. 2025, which is 4% below its 10-year median of 34.89. GuruFocus rates ASX:BFL with a GF Score™ of 58/100 and a GF Value™ of A$7.96 (Fairly Valued). The stock has 1 warning sign investors should review. Among 1,527 Banks companies, BSP Financial Group ranks better than 74.46% on this metric.
The historical rank and industry rank for BSP Financial Group's Net Margin % or its related term are showing as below:
ASX:BFL'
s Net Margin % Range Over the Past 10 Years
Min: 31.84 Med: 34.89 Max: 45.93
Current: 34.72
ASX:BFL's Net Margin % is ranked better than 74.46% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs ASX:BFL: 34.72
BSP Financial Group (ASX:BFL) 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.
BSP Financial Group Net Margin % Related Terms
BSP Financial Group Net Margin % Historical Data
* Premium members only.
The historical data trend for BSP Financial Group'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, BSP Financial Group'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.
BSP Financial Group Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, BSP Financial Group's Net Margin % distribution charts can be found below:
* The bar in red indicates where BSP Financial Group'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.
BSP Financial Group (ASX:BFL) has a Net Margin % of 33.39% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on BSP Financial Group and its competitors. This is near median its historical median of 34.89. Over the past decade, BSP Financial Group's Net Margin % has ranged from 31.84 to 45.93. According to the industry distribution chart, BSP Financial Group ranks #390 out of 1527 companies in the Banks industry, placing it in the top 25.5%.
Is BSP Financial Group's Net Margin % too high?
BSP Financial Group's current Net Margin % of 33.39% is near median its 10-year median of 34.89. Over the past 10 years, this metric has ranged from a low of 31.84 to a high of 45.93. The Banks industry median Net Margin % is 26.95. BSP Financial Group's value of 33.39% is 23.9% above this industry median. Based on the distribution chart, BSP Financial Group ranks #390 out of 1527 companies in the Banks industry, which is above the industry midpoint. Overall, BSP Financial Group has a GF Score™ of 58/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does BSP Financial Group's Net Margin % compare to PNC and USB?
According to the Banks industry distribution chart, BSP Financial Group ranks #390 out of 1527 companies for Net Margin %. This puts BSP Financial Group in the upper half of its industry. The industry median Net Margin % is 26.95. BSP Financial Group's value of 33.39% is 23.9% above this benchmark. Historically, BSP Financial Group's own Net Margin % has ranged from 31.84 to 45.93 over the past decade. While the company's 10-year median is 34.89 vs. the industry median of 26.95, BSP Financial Group 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 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. BSP Financial Group's current Net Margin % of 33.39% is 23.9% 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 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 BSP Financial Group 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. BSP Financial Group's current Net Margin % is 33.39%, which is near median its own 10-year median of 34.89. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is BSP Financial Group stock overvalued right now?
Based on GuruFocus' analysis, BSP Financial Group (ASX:BFL) is currently considered Fairly Valued. The stock's GF Value™ is A$7.96, compared to a current price of A$8.19 — trading 2.9% above its estimated fair value. The current Net Margin % is 33.39%, which is near median its 10-year median of 34.89 and 23.9% above the Banks industry median of 26.95. BSP Financial Group's overall GF Score™ is 58/100 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 BSP Financial Group (ASX:BFL), the current Net Margin % is 33.39% 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 BSP Financial Group (ASX:BFL) Overvalued in 2026?
Based on GuruFocus' analysis, BSP Financial Group stock appears to be overvalued.
The current stock price of A$8.19 is trading 2.9% above its estimated GF Value™ of A$7.96.
GuruFocus considers BSP Financial Group to be Fairly Valued.
Key valuation signals for ASX:BFL:
Net Margin %: 33.39% (near median its 10-year median of 34.89)
GF Value™: A$7.96 vs. price of A$8.19 (2.9% above fair value)
Industry Position: 23.9% above the Banks median (#390 of 1527)
No single metric tells the full story. See the ASX:BFL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
BSP Financial Group Ltd is a diversified business covering banking, asset finance, life insurance, and fund management. The company's operating segments include banking services, split into PNG Bank and Offshore Banks, and non-banking services, which comprise insurance operations, fund management, and asset financing activities. It generates a vast majority of its revenues from the PNG Bank segment. Geographically, the company operates in Papua New Guinea, Fiji, Solomon Islands, Cook Islands, Tonga, Samoa, Vanuatu, Cambodia, and Laos.
58GF Score
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