What is Banco Nacional de Credito CA Net Margin %?
Banco Nacional de Credito CACAR:BNC 88 Net Margin % is 48.23% as of Dec. 2025, which is 88% above its 10-year median of 25.71. GuruFocus rates CAR:BNC with a GF Score™ of 88/100 and a GF Value™ of VES229.23 (Significantly Overvalued). The stock has 2 warning signs investors should review. Among 1,527 Banks companies, Banco Nacional de Credito CA ranks better than 91.81% on this metric.
The historical rank and industry rank for Banco Nacional de Credito CA's Net Margin % or its related term are showing as below:
CAR:BNC'
s Net Margin % Range Over the Past 10 Years
Min: 6 Med: 25.71 Max: 103.62
Current: 47.27
CAR:BNC's Net Margin % is ranked better than 91.81% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs CAR:BNC: 47.27
Banco Nacional de Credito CA (CAR:BNC) 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 Nacional de Credito CA Net Margin % Related Terms
Banco Nacional de Credito CA Net Margin % Historical Data
* 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 Nacional de Credito CA'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 Nacional de Credito CA Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Banco Nacional de Credito CA's Net Margin % distribution charts can be found below:
* The bar in red indicates where Banco Nacional de Credito CA'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 Nacional de Credito CA (CAR:BNC) has a Net Margin % of 48.23% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Banco Nacional de Credito CA and its competitors. This is 88% above median its historical median of 25.71. Over the past decade, Banco Nacional de Credito CA's Net Margin % has ranged from 6.00 to 103.62. According to the industry distribution chart, Banco Nacional de Credito CA ranks #125 out of 1527 companies in the Banks industry, placing it in the top 8.2%.
Is Banco Nacional de Credito CA's Net Margin % too high?
Banco Nacional de Credito CA's current Net Margin % of 48.23% is 88% above median its 10-year median of 25.71. Over the past 10 years, this metric has ranged from a low of 6.00 to a high of 103.62. The Banks industry median Net Margin % is 26.95. Banco Nacional de Credito CA's value of 48.23% is 79% above this industry median. Based on the distribution chart, Banco Nacional de Credito CA ranks #125 out of 1527 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Banco Nacional de Credito CA has a GF Score™ of 88/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banco Nacional de Credito CA's Net Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Banco Nacional de Credito CA ranks #125 out of 1527 companies for Net Margin %. This places Banco Nacional de Credito CA in the top 8% of its industry — outperforming the majority of peers. The industry median Net Margin % is 26.95. Banco Nacional de Credito CA's value of 48.23% is 79% above this benchmark. Historically, Banco Nacional de Credito CA's own Net Margin % has ranged from 6.00 to 103.62 over the past decade. While the company's 10-year median is 25.71 vs. the industry median of 26.95, Banco Nacional de Credito CA 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. Banco Nacional de Credito CA's current Net Margin % of 48.23% is 79% 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 Banco Nacional de Credito CA 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. Banco Nacional de Credito CA's current Net Margin % is 48.23%, which is 88% above median its own 10-year median of 25.71. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banco Nacional de Credito CA stock overvalued right now?
Based on GuruFocus' analysis, Banco Nacional de Credito CA (CAR:BNC) is currently considered Significantly Overvalued. The stock's GF Value™ is VES229.23, compared to a current price of VES533.33 — trading 132.7% above its estimated fair value. The current Net Margin % is 48.23%, which is 88% above median its 10-year median of 25.71 and 79% above the Banks industry median of 26.95. Banco Nacional de Credito CA's overall GF Score™ is 88/100 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 Nacional de Credito CA (CAR:BNC), the current Net Margin % is 48.23% 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 Banco Nacional de Credito CA (CAR:BNC) Overvalued in 2026?
Based on GuruFocus' analysis, Banco Nacional de Credito CA stock appears to be overvalued.
The current stock price of VES533.33 is trading 132.7% above its estimated GF Value™ of VES229.23.
GuruFocus considers Banco Nacional de Credito CA to be Significantly Overvalued.
Key valuation signals for CAR:BNC:
Net Margin %: 48.23% (88% above median its 10-year median of 25.71)
GF Value™: VES229.23 vs. price of VES533.33 (132.7% above fair value)
Industry Position: 79% above the Banks median (#125 of 1527)
No single metric tells the full story. See the CAR:BNC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
AddressFrancisco de Miranda Avenue between Los Cortijos Avenue, BNC Tower, Campo Alegre Urbanization, Chacao Municipality, Capital District, Caracas, VEN
Banco Nacional de Credito CA operates as a commercial bank in Venezuela. The group's business objective is to provide financial intermediation which consists of the procurement of funds for the purpose of granting credits and it also invests in securities.
88GF Score
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