The historical rank and industry rank for PT Bank Sinarmas Tbk's Net Margin % or its related term are showing as below:
FRA:08S'
s Net Margin % Range Over the Past 10 Years
Min: 0.16 Med: 5.27 Max: 15.47
Current: 9.44
FRA:08S's Net Margin % is ranked worse than 88.34% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs FRA:08S: 9.44
PT Bank Sinarmas Tbk (FRA:08S) 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.
PT Bank Sinarmas Tbk Net Margin % Related Terms
PT Bank Sinarmas Tbk Net Margin % Historical Data
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The historical data trend for PT Bank Sinarmas Tbk'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.
PT Bank Sinarmas Tbk Net Margin % Competitor Comparison
For the Banks - Regional subindustry, PT Bank Sinarmas Tbk'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.
PT Bank Sinarmas Tbk Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, PT Bank Sinarmas Tbk's Net Margin % distribution charts can be found below:
* The bar in red indicates where PT Bank Sinarmas Tbk'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.
PT Bank Sinarmas Tbk (FRA:08S) has a Net Margin % of 7.95% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on PT Bank Sinarmas Tbk and its competitors. This is 51% above median its historical median of 5.27. Over the past decade, PT Bank Sinarmas Tbk's Net Margin % has ranged from 0.16 to 15.47. According to the industry distribution chart, PT Bank Sinarmas Tbk ranks #1349 out of 1527 companies in the Banks industry, placing it in the top 88.3%.
Is PT Bank Sinarmas Tbk's Net Margin % too high?
PT Bank Sinarmas Tbk's current Net Margin % of 7.95% is 51% above median its 10-year median of 5.27. Over the past 10 years, this metric has ranged from a low of 0.16 to a high of 15.47. The Banks industry median Net Margin % is 26.95. PT Bank Sinarmas Tbk's value of 7.95% is 70.5% below this industry median. Based on the distribution chart, PT Bank Sinarmas Tbk ranks #1349 out of 1527 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, PT Bank Sinarmas Tbk has a GF Score™ of 53/100, reflecting its overall financial health beyond just this single metric.
How does PT Bank Sinarmas Tbk's Net Margin % compare to competitors?
According to the Banks industry distribution chart, PT Bank Sinarmas Tbk ranks #1349 out of 1527 companies for Net Margin %. This places PT Bank Sinarmas Tbk in the lower half of its industry. The industry median Net Margin % is 26.95. PT Bank Sinarmas Tbk's value of 7.95% is 70.5% below this benchmark. Historically, PT Bank Sinarmas Tbk's own Net Margin % has ranged from 0.16 to 15.47 over the past decade. While the company's 10-year median is 5.27 vs. the industry median of 26.95, PT Bank Sinarmas Tbk 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. PT Bank Sinarmas Tbk's current Net Margin % of 7.95% is 70.5% 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 PT Bank Sinarmas Tbk 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. PT Bank Sinarmas Tbk's current Net Margin % is 7.95%, which is 51% above median its own 10-year median of 5.27. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank Sinarmas Tbk stock overvalued right now?
PT Bank Sinarmas Tbk (FRA:08S) has a current Net Margin % of 7.95%. The stock's GF Value™ is €0.04, compared to a current price of €0.03 — trading 25% below its estimated fair value. The current Net Margin % is 7.95%, which is 51% above median its 10-year median of 5.27 and 70.5% below the Banks industry median of 26.95. PT Bank Sinarmas Tbk's overall GF Score™ is 53/100 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 PT Bank Sinarmas Tbk (FRA:08S), the current Net Margin % is 7.95% 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 PT Bank Sinarmas Tbk (FRA:08S) Overvalued in 2026?
Based on GuruFocus' analysis, PT Bank Sinarmas Tbk stock appears to be undervalued.
The current stock price of €0.03 is trading 25% below its estimated GF Value™ of €0.04.
Key valuation signals for FRA:08S:
Net Margin %: 7.95% (51% above median its 10-year median of 5.27)
GF Value™: €0.04 vs. price of €0.03 (25% below fair value)
Industry Position: 70.5% below the Banks median (#1349 of 1527)
No single metric tells the full story. See the FRA:08S stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT Bank Sinarmas Tbk provides financial services. The company is involved in credit activities, fund collection, banking service and e-banking products, bancassurance and investment products sales, credit card business, international business activities and treasury, and sharia business unit. It collects funds from the public to be distributed in the form of loans to both individuals and corporations. The company's operating segment includes Commercial Bank and Sharia Business Unit. It generates maximum revenue from the Commercial Bank segment which includes Marketing and Credit, Treasury, and Trade Finance.
53GF Score
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