Banca Sistema SpACHIX:BSTM 66 Net Margin % is 18.01% as of Mar. 2026, which is 22% below its 10-year median of 23.03. GuruFocus rates CHIX:BSTM with a GF Score™ of 66/100 and a GF Value™ of €1.80. The stock has 2 warning signs investors should review. Among 1,527 Banks companies, Banca Sistema SpA ranks worse than 84.22% on this metric.
The historical rank and industry rank for Banca Sistema SpA's Net Margin % or its related term are showing as below:
CHIX:BSTm'
s Net Margin % Range Over the Past 10 Years
Min: 13.02 Med: 23.03 Max: 32.33
Current: 13.02
CHIX:BSTm's Net Margin % is ranked worse than 84.22% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs CHIX:BSTm: 13.02
Banca Sistema SpA (CHIX:BSTm) 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.
Banca Sistema SpA Net Margin % Related Terms
Banca Sistema SpA Net Margin % Historical Data
* Premium members only.
The historical data trend for Banca Sistema SpA'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, Banca Sistema SpA'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.
Banca Sistema SpA Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Banca Sistema SpA's Net Margin % distribution charts can be found below:
* The bar in red indicates where Banca Sistema SpA'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.
Banca Sistema SpA (CHIX:BSTM) has a Net Margin % of 18.01% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Banca Sistema SpA and its competitors. This is 22% below median its historical median of 23.03. Over the past decade, Banca Sistema SpA's Net Margin % has ranged from 13.02 to 32.33. According to the industry distribution chart, Banca Sistema SpA ranks #1286 out of 1527 companies in the Banks industry, placing it in the top 84.2%.
Is Banca Sistema SpA's Net Margin % too high?
Banca Sistema SpA's current Net Margin % of 18.01% is 22% below median its 10-year median of 23.03. Over the past 10 years, this metric has ranged from a low of 13.02 to a high of 32.33. The Banks industry median Net Margin % is 26.95. Banca Sistema SpA's value of 18.01% is 33.2% below this industry median. Based on the distribution chart, Banca Sistema SpA ranks #1286 out of 1527 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Banca Sistema SpA has a GF Score™ of 66/100, reflecting its overall financial health beyond just this single metric.
How does Banca Sistema SpA's Net Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Banca Sistema SpA ranks #1286 out of 1527 companies for Net Margin %. This places Banca Sistema SpA in the lower half of its industry. The industry median Net Margin % is 26.95. Banca Sistema SpA's value of 18.01% is 33.2% below this benchmark. Historically, Banca Sistema SpA's own Net Margin % has ranged from 13.02 to 32.33 over the past decade. While the company's 10-year median is 23.03 vs. the industry median of 26.95, Banca Sistema SpA 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. Banca Sistema SpA's current Net Margin % of 18.01% is 33.2% 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 Banca Sistema SpA 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. Banca Sistema SpA's current Net Margin % is 18.01%, which is 22% below median its own 10-year median of 23.03. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banca Sistema SpA stock overvalued right now?
Banca Sistema SpA (CHIX:BSTM) has a current Net Margin % of 18.01%. The stock's GF Value™ is €1.80, compared to a current price of €1.60 — trading 10.9% below its estimated fair value. The current Net Margin % is 18.01%, which is 22% below median its 10-year median of 23.03 and 33.2% below the Banks industry median of 26.95. Banca Sistema SpA's overall GF Score™ is 66/100 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 Banca Sistema SpA (CHIX:BSTM), the current Net Margin % is 18.01% 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 Banca Sistema SpA (CHIX:BSTM) Overvalued in 2026?
Based on GuruFocus' analysis, Banca Sistema SpA stock appears to be undervalued.
The current stock price of €1.60 is trading 10.9% below its estimated GF Value™ of €1.80.
Key valuation signals for CHIX:BSTM:
Net Margin %: 18.01% (22% below median its 10-year median of 23.03)
GF Value™: €1.80 vs. price of €1.60 (10.9% below fair value)
Industry Position: 33.2% below the Banks median (#1286 of 1527)
No single metric tells the full story. See the CHIX:BSTM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Banca Sistema SpA provides factoring and banking services. It specializes in the acquisition, management, and financing of receivables. The firm's products and services comprise current accounts, time deposits, funding for SMEs, non-recourse factoring, credit management, and payment services. Segment reporting of the company includes the following divisions: Factoring Division includes business related to the origination of trade and tax receivables with and without recourse, and the management. Retail Division, which includes the business related to the purchase of salary- and pension-backed loans. Collateralized Lending Division includes the business related to collateral-backed loans. Corporate Division includes activities related to the management of the Group's financial resources.
66GF Score
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