Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Net margin is calculated as Net Income divided by its Revenue. Banco Pine's Net Income for the
three
months ended in Mar. 2026 was R$150 Mil. Banco Pine's Revenue for the
three
months ended in Mar. 2026 was R$690 Mil. Therefore, Banco Pine's net margin for the quarter that ended in Mar. 2026 was 21.72%.
The historical rank and industry rank for Banco Pine's Net Margin % or its related term are showing as below:
BSP:PINE3'
s Net Margin % Range Over the Past 10 Years
Min: -133.23 Med: -1.76 Max: 32.82
Current: 24.09
BSP:PINE3's Net Margin % is ranked worse than 59.02% of 1530
companies
in the Banks industry
Industry Median: 26.845
vs BSP:PINE3: 24.09
Banco Pine (BSP:PINE3) 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.
Banco Pine Net Margin % Related Terms
Banco Pine Net Margin % Historical Data
* Premium members only.
The historical data trend for Banco Pine'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, Banco Pine'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.
Banco Pine Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Banco Pine's Net Margin % distribution charts can be found below:
* The bar in red indicates where Banco Pine'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.
Banco Pine (BSP:PINE3) has a Net Margin % of 21.72% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Banco Pine and its competitors. According to the industry distribution chart, Banco Pine ranks #903 out of 1530 companies in the Banks industry, placing it in the top 59%.
Is Banco Pine's Net Margin % too high?
Banco Pine's current Net Margin % is 21.72%. The Banks industry median Net Margin % is 26.85. Banco Pine's value of 21.72% is 19.1% below this industry median. Based on the distribution chart, Banco Pine ranks #903 out of 1530 companies in the Banks industry, which is below the industry midpoint. Overall, Banco Pine has a GF Score™ of 70/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Banco Pine's Net Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Banco Pine ranks #903 out of 1530 companies for Net Margin %. This places Banco Pine in the lower half of its industry. The industry median Net Margin % is 26.85. Banco Pine's value of 21.72% is 19.1% below this benchmark. 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 26.85, based on 1,530 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. Banco Pine's current Net Margin % of 21.72% is 19.1% 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 Banco Pine and its competitors. For the Banks industry, the median Net Margin % is 26.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Banco Pine's current Net Margin % is 21.72%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banco Pine stock overvalued right now?
Based on GuruFocus' analysis, Banco Pine (BSP:PINE3) is currently considered Fairly Valued. The stock's GF Value™ is R$12.69, compared to a current price of R$11.99 — trading 5.5% below its estimated fair value. The current Net Margin % is 21.72% and 19.1% below the Banks industry median of 26.85. Banco Pine's overall GF Score™ is 70/100 with 2 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 Banco Pine (BSP:PINE3), the current Net Margin % is 21.72% 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 Banco Pine (BSP:PINE3) Overvalued in 2026?
Based on GuruFocus' analysis, Banco Pine stock appears to be undervalued.
The current stock price of R$11.99 is trading 5.5% below its estimated GF Value™ of R$12.69.
GuruFocus considers Banco Pine to be Fairly Valued.
Key valuation signals for BSP:PINE3:
Net Margin %: 21.72%
GF Value™: R$12.69 vs. price of R$11.99 (5.5% below fair value)
Industry Position: 19.1% below the Banks median (#903 of 1530)
No single metric tells the full story. See the BSP:PINE3 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Banco Pine SA is a banking company. It operates commercial, credit and financing and foreign exchange portfolios. The company's operations are conducted in the context of a group of institutions which act jointly, and certain transactions involve the co-participation or intermediation of member companies of the Pine financial conglomerate. The benefits from the intercompany services and the costs for the operating and administrative structures are absorbed, either jointly or individually, by these companies as is practicable and reasonable in the circumstances.
70GF Score
Get the complete analysis for BSP:PINE3
Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
BSP:PINE3 has been successfully added to your 
