Erste Group Bank AG.EBKOF +1.94%76 Net Margin % is 23.18% as of Mar. 2026, which is 9% below its 10-year median of 25.55. GuruFocus rates EBKOF with a GF Score™ of 76/100 and a GF Value™ of $79.00 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,526 Banks companies, Erste Group Bank AG. ranks better than 57.47% on this metric.
The historical rank and industry rank for Erste Group Bank AG.'s Net Margin % or its related term are showing as below:
EBKOF'
s Net Margin % Range Over the Past 10 Years
Min: 10.93 Med: 25.55 Max: 29.84
Current: 28.98
EBKOF's Net Margin % is ranked better than 57.47% of 1526
companies
in the Banks industry
Industry Median: 26.97
vs EBKOF: 28.98
Erste Group Bank AG. (OTCPK:EBKOF) 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.
Erste Group Bank AG. Net Margin % Related Terms
Erste Group Bank AG. Net Margin % Historical Data
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The historical data trend for Erste Group Bank 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, Erste Group Bank 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.
Erste Group Bank AG. Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Erste Group Bank AG.'s Net Margin % distribution charts can be found below:
* The bar in red indicates where Erste Group Bank 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.
Erste Group Bank AG. (EBKOF) has a Net Margin % of 23.18% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Erste Group Bank AG. and its competitors. This is near median its historical median of 25.55. Over the past decade, Erste Group Bank AG.'s Net Margin % has ranged from 10.93 to 29.84. According to the industry distribution chart, Erste Group Bank AG. ranks #649 out of 1526 companies in the Banks industry, placing it in the top 42.5%.
Is Erste Group Bank AG.'s Net Margin % too high?
Erste Group Bank AG.'s current Net Margin % of 23.18% is near median its 10-year median of 25.55. Over the past 10 years, this metric has ranged from a low of 10.93 to a high of 29.84. The Banks industry median Net Margin % is 26.97. Erste Group Bank AG.'s value of 23.18% is 14.1% below this industry median. Based on the distribution chart, Erste Group Bank AG. ranks #649 out of 1526 companies in the Banks industry, which is above the industry midpoint. Overall, Erste Group Bank AG. has a GF Score™ of 76/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Erste Group Bank AG.'s Net Margin % compare to PNC?
According to the Banks industry distribution chart, Erste Group Bank AG. ranks #649 out of 1526 companies for Net Margin %. This puts Erste Group Bank AG. in the upper half of its industry. The industry median Net Margin % is 26.97. Erste Group Bank AG.'s value of 23.18% is 14.1% below this benchmark. Historically, Erste Group Bank AG.'s own Net Margin % has ranged from 10.93 to 29.84 over the past decade. While the company's 10-year median is 25.55 vs. the industry median of 26.97, Erste Group Bank 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 26.97, based on 1,526 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. Erste Group Bank AG.'s current Net Margin % of 23.18% is 14.1% 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 Erste Group Bank AG. and its competitors. For the Banks industry, the median Net Margin % is 26.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Erste Group Bank AG.'s current Net Margin % is 23.18%, which is near median its own 10-year median of 25.55. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Erste Group Bank AG. stock overvalued right now?
Based on GuruFocus' analysis, Erste Group Bank AG. (EBKOF) is currently considered Significantly Overvalued. The stock's GF Value™ is $79.00, compared to a current price of $133.65 — trading 69.2% above its estimated fair value. The current Net Margin % is 23.18%, which is near median its 10-year median of 25.55 and 14.1% below the Banks industry median of 26.97. Erste Group Bank AG.'s overall GF Score™ is 76/100 with 6 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 Erste Group Bank AG. (EBKOF), the current Net Margin % is 23.18% 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 Erste Group Bank AG. (EBKOF) Overvalued in 2026?
Based on GuruFocus' analysis, Erste Group Bank AG. stock appears to be overvalued.
The current stock price of $133.65 is trading 69.2% above its estimated GF Value™ of $79.00.
GuruFocus considers Erste Group Bank AG. to be Significantly Overvalued.
Key valuation signals for EBKOF:
Net Margin %: 23.18% (near median its 10-year median of 25.55)
GF Value™: $79.00 vs. price of $133.65 (69.2% above fair value)
Industry Position: 14.1% below the Banks median (#649 of 1526)
No single metric tells the full story. See the EBKOF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Erste Group Bank AG. is an Austria-based financial services provider catering to the needs of individuals, corporates, small businesses, and other enterprises. It offers a complete range of banking and other financial services, such as savings accounts, asset management (including investment funds), consumer credit and mortgage lending, investment banking, securities and derivatives trading, project finance, foreign exchange trading, leasing, factoring, etc. The Group's operating segments are defined according to the core markets in which it operates and include Austria, Central and Eastern Europe, and Other. Maximum revenue is generated from the Central and Eastern Europe segment, which represents its operations in the Czech Republic, Slovakia, Romania, Hungary, Croatia, and Serbia.
76GF Score
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