Banca TransilvaniaFRA:7TB -4.24%62 Net Margin % is 35.62% as of Mar. 2026, which is 8% below its 10-year median of 38.76. GuruFocus rates FRA:7TB with a GF Score™ of 62/100 and a GF Value™ of €5.84 (Modestly Overvalued). The stock has 8 warning signs investors should review. Among 1,528 Banks companies, Banca Transilvania ranks better than 85.14% on this metric.
The historical rank and industry rank for Banca Transilvania's Net Margin % or its related term are showing as below:
FRA:7TB'
s Net Margin % Range Over the Past 10 Years
Min: 30.02 Med: 38.76 Max: 46.6
Current: 40.44
FRA:7TB's Net Margin % is ranked better than 85.14% of 1528
companies
in the Banks industry
Industry Median: 26.845
vs FRA:7TB: 40.44
Banca Transilvania (FRA:7TB) 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 Transilvania Net Margin % Related Terms
Banca Transilvania Net Margin % Historical Data
* Premium members only.
The historical data trend for Banca Transilvania'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 Transilvania'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 Transilvania Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Banca Transilvania's Net Margin % distribution charts can be found below:
* The bar in red indicates where Banca Transilvania'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 Transilvania (FRA:7TB) has a Net Margin % of 35.62% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Banca Transilvania and its competitors. This is near median its historical median of 38.76. Over the past decade, Banca Transilvania's Net Margin % has ranged from 30.02 to 46.60. According to the industry distribution chart, Banca Transilvania ranks #227 out of 1528 companies in the Banks industry, placing it in the top 14.9%.
Is Banca Transilvania's Net Margin % too high?
Banca Transilvania's current Net Margin % of 35.62% is near median its 10-year median of 38.76. Over the past 10 years, this metric has ranged from a low of 30.02 to a high of 46.60. The Banks industry median Net Margin % is 26.85. Banca Transilvania's value of 35.62% is 32.7% above this industry median. Based on the distribution chart, Banca Transilvania ranks #227 out of 1528 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Banca Transilvania has a GF Score™ of 62/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banca Transilvania's Net Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Banca Transilvania ranks #227 out of 1528 companies for Net Margin %. This places Banca Transilvania in the top 15% of its industry — outperforming the majority of peers. The industry median Net Margin % is 26.85. Banca Transilvania's value of 35.62% is 32.7% above this benchmark. Historically, Banca Transilvania's own Net Margin % has ranged from 30.02 to 46.60 over the past decade. While the company's 10-year median is 38.76 vs. the industry median of 26.85, Banca Transilvania 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 26.85, based on 1,528 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 Transilvania's current Net Margin % of 35.62% is 32.7% 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 Banca Transilvania and its competitors. For the Banks industry, the median Net Margin % is 26.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Banca Transilvania's current Net Margin % is 35.62%, which is near median its own 10-year median of 38.76. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banca Transilvania stock overvalued right now?
Based on GuruFocus' analysis, Banca Transilvania (FRA:7TB) is currently considered Modestly Overvalued. The stock's GF Value™ is €5.84, compared to a current price of €7.46 — trading 27.7% above its estimated fair value. The current Net Margin % is 35.62%, which is near median its 10-year median of 38.76 and 32.7% above the Banks industry median of 26.85. Banca Transilvania's overall GF Score™ is 62/100 with 8 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 Transilvania (FRA:7TB), the current Net Margin % is 35.62% 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 Transilvania (FRA:7TB) Overvalued in 2026?
Based on GuruFocus' analysis, Banca Transilvania stock appears to be overvalued.
The current stock price of €7.46 is trading 27.7% above its estimated GF Value™ of €5.84.
GuruFocus considers Banca Transilvania to be Modestly Overvalued.
Key valuation signals for FRA:7TB:
Net Margin %: 35.62% (near median its 10-year median of 38.76)
GF Value™: €5.84 vs. price of €7.46 (27.7% above fair value)
Industry Position: 32.7% above the Banks median (#227 of 1528)
No single metric tells the full story. See the FRA:7TB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Banca Transilvania SA Is a bank for entrepreneurs in Romania. It provides banking products and services to corporate and retail clients and its operation format is broken down into various segments which include Large and medium corporate customers, Small and medium-sized enterprises, Micro business clients, Retail, Treasury, Leasing, and customer finance, and others. The group takes an active role in offering products and services such as lending services, cash management services, asset management, investment, mortgage, deposits, card services, internet banking, tax assistance, and financial services for a medical specialty. Besides, the firm also offers financial investment management, brokerage service, factoring, and real estate services.
62GF Score
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