Kraft Bank ASAFRA:709 +0.86%67 Net Margin % is 33.37% as of Dec. 2025, which is 9% above its 10-year median of 30.49. GuruFocus rates FRA:709 with a GF Score™ of 67/100 and a GF Value™ of €1.17 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,527 Banks companies, Kraft Bank ASA ranks better than 62.08% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Kraft Bank ASA's Net Income for the
three
months ended in Dec. 2025 was €1.66 Mil. Kraft Bank ASA's Revenue for the
three
months ended in Dec. 2025 was €4.98 Mil. Therefore, Kraft Bank ASA's net margin for the quarter that ended in Dec. 2025 was 33.37%.
The historical rank and industry rank for Kraft Bank ASA's Net Margin % or its related term are showing as below:
FRA:709'
s Net Margin % Range Over the Past 10 Years
Min: -138.35 Med: 30.49 Max: 35.33
Current: 30.42
FRA:709's Net Margin % is ranked better than 62.08% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs FRA:709: 30.42
Kraft Bank ASA (FRA:709) 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.
Kraft Bank ASA Net Margin % Related Terms
Kraft Bank ASA Net Margin % Historical Data
* Premium members only.
The historical data trend for Kraft Bank ASA'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, Kraft Bank ASA'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.
Kraft Bank ASA Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Kraft Bank ASA's Net Margin % distribution charts can be found below:
* The bar in red indicates where Kraft Bank ASA'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.
Kraft Bank ASA (FRA:709) has a Net Margin % of 33.37% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Kraft Bank ASA and its competitors. This is near median its historical median of 30.49. According to the industry distribution chart, Kraft Bank ASA ranks #579 out of 1527 companies in the Banks industry, placing it in the top 37.9%.
Is Kraft Bank ASA's Net Margin % too high?
Kraft Bank ASA's current Net Margin % of 33.37% is near median its 10-year median of 30.49. The Banks industry median Net Margin % is 26.95. Kraft Bank ASA's value of 33.37% is 23.8% above this industry median. Based on the distribution chart, Kraft Bank ASA ranks #579 out of 1527 companies in the Banks industry, which is above the industry midpoint. Overall, Kraft Bank ASA has a GF Score™ of 67/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Kraft Bank ASA's Net Margin % compare to competitors?
According to the Banks industry distribution chart, Kraft Bank ASA ranks #579 out of 1527 companies for Net Margin %. This puts Kraft Bank ASA in the upper half of its industry. The industry median Net Margin % is 26.95. Kraft Bank ASA's value of 33.37% is 23.8% above this benchmark. While the company's 10-year median is 30.49 vs. the industry median of 26.95, Kraft Bank ASA 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. Kraft Bank ASA's current Net Margin % of 33.37% is 23.8% 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 Kraft Bank ASA 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. Kraft Bank ASA's current Net Margin % is 33.37%, which is near median its own 10-year median of 30.49. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Kraft Bank ASA stock overvalued right now?
Based on GuruFocus' analysis, Kraft Bank ASA (FRA:709) is currently considered Fairly Valued. The stock's GF Value™ is €1.17, compared to a current price of €1.18 — trading 0.4% above its estimated fair value. The current Net Margin % is 33.37%, which is near median its 10-year median of 30.49 and 23.8% above the Banks industry median of 26.95. Kraft Bank ASA's overall GF Score™ is 67/100 with 4 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 Kraft Bank ASA (FRA:709), the current Net Margin % is 33.37% 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 Kraft Bank ASA (FRA:709) Overvalued in 2026?
Based on GuruFocus' analysis, Kraft Bank ASA stock appears to be overvalued.
The current stock price of €1.18 is trading 0.4% above its estimated GF Value™ of €1.17.
GuruFocus considers Kraft Bank ASA to be Fairly Valued.
Key valuation signals for FRA:709:
Net Margin %: 33.37% (near median its 10-year median of 30.49)
GF Value™: €1.17 vs. price of €1.18 (0.4% above fair value)
Industry Position: 23.8% above the Banks median (#579 of 1527)
No single metric tells the full story. See the FRA:709 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Kraft Bank ASA is a provider of banking services to its customers. The bank offers refinancing, savings products, loans, loans against mortgages in housing and other assets.
67GF Score
Get the complete analysis for FRA:709
Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FRA:709 has been successfully added to your 
