BPER Banca SpAFRA:4BE +0.38%56 Net Margin % is 17.83% as of Dec. 2025, which is 8% above its 10-year median of 16.46. GuruFocus rates FRA:4BE with a GF Score™ of 56/100 and a GF Value™ of €5.00 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,527 Banks companies, BPER Banca SpA ranks worse than 50.95% on this metric.
Net margin is calculated as Net Income divided by its Revenue. BPER Banca SpA's Net Income for the
three
months ended in Dec. 2025 was €340 Mil. BPER Banca SpA's Revenue for the
three
months ended in Dec. 2025 was €1,906 Mil. Therefore, BPER Banca SpA's net margin for the quarter that ended in Dec. 2025 was 17.83%.
The historical rank and industry rank for BPER Banca SpA's Net Margin % or its related term are showing as below:
FRA:4BE'
s Net Margin % Range Over the Past 10 Years
Min: 0.66 Med: 16.46 Max: 33.59
Current: 26.56
FRA:4BE's Net Margin % is ranked worse than 50.95% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs FRA:4BE: 26.56
BPER Banca SpA (FRA:4BE) 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.
BPER Banca SpA Net Margin % Related Terms
BPER Banca SpA Net Margin % Historical Data
* Premium members only.
The historical data trend for BPER Banca 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, BPER Banca 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.
BPER Banca SpA Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, BPER Banca SpA's Net Margin % distribution charts can be found below:
* The bar in red indicates where BPER Banca 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.
BPER Banca SpA (FRA:4BE) has a Net Margin % of 17.83% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on BPER Banca SpA and its competitors. This is near median its historical median of 16.46. Over the past decade, BPER Banca SpA's Net Margin % has ranged from 0.66 to 33.59. According to the industry distribution chart, BPER Banca SpA ranks #778 out of 1527 companies in the Banks industry, placing it in the top 50.9%.
Is BPER Banca SpA's Net Margin % too high?
BPER Banca SpA's current Net Margin % of 17.83% is near median its 10-year median of 16.46. Over the past 10 years, this metric has ranged from a low of 0.66 to a high of 33.59. The Banks industry median Net Margin % is 26.95. BPER Banca SpA's value of 17.83% is 33.8% below this industry median. Based on the distribution chart, BPER Banca SpA ranks #778 out of 1527 companies in the Banks industry, which is below the industry midpoint. Overall, BPER Banca SpA has a GF Score™ of 56/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does BPER Banca SpA's Net Margin % compare to competitors?
According to the Banks industry distribution chart, BPER Banca SpA ranks #778 out of 1527 companies for Net Margin %. This places BPER Banca SpA in the lower half of its industry. The industry median Net Margin % is 26.95. BPER Banca SpA's value of 17.83% is 33.8% below this benchmark. Historically, BPER Banca SpA's own Net Margin % has ranged from 0.66 to 33.59 over the past decade. While the company's 10-year median is 16.46 vs. the industry median of 26.95, BPER Banca 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. BPER Banca SpA's current Net Margin % of 17.83% is 33.8% 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 BPER Banca 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. BPER Banca SpA's current Net Margin % is 17.83%, which is near median its own 10-year median of 16.46. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is BPER Banca SpA stock overvalued right now?
Based on GuruFocus' analysis, BPER Banca SpA (FRA:4BE) is currently considered Significantly Overvalued. The stock's GF Value™ is €5.00, compared to a current price of €13.76 — trading 175.2% above its estimated fair value. The current Net Margin % is 17.83%, which is near median its 10-year median of 16.46 and 33.8% below the Banks industry median of 26.95. BPER Banca SpA's overall GF Score™ is 56/100 with 7 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 BPER Banca SpA (FRA:4BE), the current Net Margin % is 17.83% 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 BPER Banca SpA (FRA:4BE) Overvalued in 2026?
Based on GuruFocus' analysis, BPER Banca SpA stock appears to be overvalued.
The current stock price of €13.76 is trading 175.2% above its estimated GF Value™ of €5.00.
GuruFocus considers BPER Banca SpA to be Significantly Overvalued.
Key valuation signals for FRA:4BE:
Net Margin %: 17.83% (near median its 10-year median of 16.46)
GF Value™: €5.00 vs. price of €13.76 (175.2% above fair value)
Industry Position: 33.8% below the Banks median (#778 of 1527)
No single metric tells the full story. See the FRA:4BE stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
BPER Banca SpA is a banking group consisting of four Italian regional commercial banks that merged on the initiative of BPER Banca. The banks are involved in a number of market segments, including retail banking, corporate and investment banking, and wealth management and insurance. In addition to the banks, the Group includes product companies, including asset management, personal loans, leasing, and factoring operations, and special purpose vehicles. Its strategy emphasizes customer service and cooperative banking. BPER group's customer base overwhelming derives from retail banking, mostly from individuals with some business deposits. Its loan base, however, is principally the group's corporate customers.
56GF Score
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