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GRANIT BankBUD:GRANIT -0.22%11 Net Margin % is 13.99% as of Mar. 2026, which is 53% below its 10-year median of 29.68. GuruFocus rates BUD:GRANIT with a GF Score™ of 11/100. The stock has 1 warning sign investors should review. Among 1,525 Banks companies, GRANIT Bank ranks better than 70.69% on this metric.
Net margin is calculated as Net Income divided by its Revenue. GRANIT Bank's Net Income for the
three
months ended in Mar. 2026 was Ft2,080 Mil. GRANIT Bank's Revenue for the
three
months ended in Mar. 2026 was Ft14,870 Mil. Therefore, GRANIT Bank's net margin for the quarter that ended in Mar. 2026 was 13.99%.
The historical rank and industry rank for GRANIT Bank's Net Margin % or its related term are showing as below:
BUD:GRANIT'
s Net Margin % Range Over the Past 10 Years
Min: 17.51 Med: 29.68 Max: 41.45
Current: 33.4
BUD:GRANIT's Net Margin % is ranked better than 70.69% of 1525
companies
in the Banks industry
Industry Median: 27.08
vs BUD:GRANIT: 33.40
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.
GRANIT Bank Net Margin % Related Terms
GRANIT Bank Net Margin % Historical Data
* Premium members only.
The historical data trend for GRANIT Bank'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, GRANIT Bank'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.
GRANIT Bank Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, GRANIT Bank's Net Margin % distribution charts can be found below:
* The bar in red indicates where GRANIT Bank'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.
GRANIT Bank (BUD:GRANIT) has a Net Margin % of 13.99% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on GRANIT Bank and its competitors. This is 53% below median its historical median of 29.68. Over the past decade, GRANIT Bank's Net Margin % has ranged from 17.51 to 41.45. According to the industry distribution chart, GRANIT Bank ranks #447 out of 1525 companies in the Banks industry, placing it in the top 29.3%.
Is GRANIT Bank's Net Margin % too high?
GRANIT Bank's current Net Margin % of 13.99% is 53% below median its 10-year median of 29.68. Over the past 10 years, this metric has ranged from a low of 17.51 to a high of 41.45. The Banks industry median Net Margin % is 27.08. GRANIT Bank's value of 13.99% is 48.3% below this industry median. Based on the distribution chart, GRANIT Bank ranks #447 out of 1525 companies in the Banks industry, which is above the industry midpoint. Overall, GRANIT Bank has a GF Score™ of 11/100, reflecting its overall financial health beyond just this single metric.
How does GRANIT Bank's Net Margin % compare to PNC and USB?
According to the Banks industry distribution chart, GRANIT Bank ranks #447 out of 1525 companies for Net Margin %. This puts GRANIT Bank in the upper half of its industry. The industry median Net Margin % is 27.08. GRANIT Bank's value of 13.99% is 48.3% below this benchmark. Historically, GRANIT Bank's own Net Margin % has ranged from 17.51 to 41.45 over the past decade. While the company's 10-year median is 29.68 vs. the industry median of 27.08, GRANIT Bank 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 27.08, based on 1,525 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. GRANIT Bank's current Net Margin % of 13.99% is 48.3% 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 GRANIT Bank and its competitors. For the Banks industry, the median Net Margin % is 27.08 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. GRANIT Bank's current Net Margin % is 13.99%, which is 53% below median its own 10-year median of 29.68. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is GRANIT Bank stock overvalued right now?
GRANIT Bank (BUD:GRANIT) has a current Net Margin % of 13.99%. The current Net Margin % is 13.99%, which is 53% below median its 10-year median of 29.68 and 48.3% below the Banks industry median of 27.08. GRANIT Bank's overall GF Score™ is 11/100 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 GRANIT Bank (BUD:GRANIT), the current Net Margin % is 13.99% 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.
GRANIT Bank PLC is a commercial bank engaged in universal banking activities and is entitled to offer financial and supplementary financial services. The Bank also offers investment services to customers via its mobile app and makes Granit Fund Management's investment fund units available to customers. In Romania, the Bank offers bank account, payment, and foreign exchange services. Its segments include Retail Segment, Non-financial Corporate Segment, Financial Corporate Segment, Project Loans Segment, and Non-profit Segment.
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