Bawag Group AGBWAGF 78 Net Margin % is 23.05% as of Dec. 2025, which is 38% below its 10-year median of 36.89. GuruFocus rates BWAGF with a GF Score™ of 78/100 and a GF Value™ of $125.36 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,527 Banks companies, Bawag Group AG ranks better than 80.55% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Bawag Group AG's Net Income for the
three
months ended in Dec. 2025 was $182 Mil. Bawag Group AG's Revenue for the
three
months ended in Dec. 2025 was $788 Mil. Therefore, Bawag Group AG's net margin for the quarter that ended in Dec. 2025 was 23.05%.
The historical rank and industry rank for Bawag Group AG's Net Margin % or its related term are showing as below:
BWAGF'
s Net Margin % Range Over the Past 10 Years
Min: 22.49 Med: 36.89 Max: 50.05
Current: 37.7
BWAGF's Net Margin % is ranked better than 80.55% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs BWAGF: 37.70
Bawag Group AG (OTCPK:BWAGF) 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.
Bawag Group AG Net Margin % Related Terms
Bawag Group AG Net Margin % Historical Data
* Premium members only.
The historical data trend for Bawag Group 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, Bawag Group 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.
Bawag Group AG Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Bawag Group AG's Net Margin % distribution charts can be found below:
* The bar in red indicates where Bawag Group 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.
Bawag Group AG (BWAGF) has a Net Margin % of 23.05% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Bawag Group AG and its competitors. This is 38% below median its historical median of 36.89. Over the past decade, Bawag Group AG's Net Margin % has ranged from 22.49 to 50.05. According to the industry distribution chart, Bawag Group AG ranks #297 out of 1527 companies in the Banks industry, placing it in the top 19.4%.
Is Bawag Group AG's Net Margin % too high?
Bawag Group AG's current Net Margin % of 23.05% is 38% below median its 10-year median of 36.89. Over the past 10 years, this metric has ranged from a low of 22.49 to a high of 50.05. The Banks industry median Net Margin % is 26.95. Bawag Group AG's value of 23.05% is 14.5% below this industry median. Based on the distribution chart, Bawag Group AG ranks #297 out of 1527 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Bawag Group AG has a GF Score™ of 78/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bawag Group AG's Net Margin % compare to PNC?
According to the Banks industry distribution chart, Bawag Group AG ranks #297 out of 1527 companies for Net Margin %. This places Bawag Group AG in the top 19% of its industry — outperforming the majority of peers. The industry median Net Margin % is 26.95. Bawag Group AG's value of 23.05% is 14.5% below this benchmark. Historically, Bawag Group AG's own Net Margin % has ranged from 22.49 to 50.05 over the past decade. While the company's 10-year median is 36.89 vs. the industry median of 26.95, Bawag Group 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. Bawag Group AG's current Net Margin % of 23.05% is 14.5% 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 Bawag Group 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. Bawag Group AG's current Net Margin % is 23.05%, which is 38% below median its own 10-year median of 36.89. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bawag Group AG stock overvalued right now?
Based on GuruFocus' analysis, Bawag Group AG (BWAGF) is currently considered Significantly Overvalued. The stock's GF Value™ is $125.36, compared to a current price of $199.00 — trading 58.7% above its estimated fair value. The current Net Margin % is 23.05%, which is 38% below median its 10-year median of 36.89 and 14.5% below the Banks industry median of 26.95. Bawag Group AG's overall GF Score™ is 78/100 with 5 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 Bawag Group AG (BWAGF), the current Net Margin % is 23.05% 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 Bawag Group AG (BWAGF) Overvalued in 2026?
Based on GuruFocus' analysis, Bawag Group AG stock appears to be overvalued.
The current stock price of $199.00 is trading 58.7% above its estimated GF Value™ of $125.36.
GuruFocus considers Bawag Group AG to be Significantly Overvalued.
Key valuation signals for BWAGF:
Net Margin %: 23.05% (38% below median its 10-year median of 36.89)
GF Value™: $125.36 vs. price of $199.00 (58.7% above fair value)
Industry Position: 14.5% below the Banks median (#297 of 1527)
No single metric tells the full story. See the BWAGF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bawag Group AG provides banking and financial products and services. The company serves retail, small business, and corporate customers offering comprehensive savings, payment, lending, leasing, investment, building society, and insurance products and services through various online and offline channels. The operating business segments of the company are Retail & SME, Corporates, Real Estate & Public Sector, Treasury and Corporate Center. The majority of the company's revenue is derived from the Retail& SME segment.
78GF Score
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