BNP Paribas Bank PolskaFRA:82MA -2.17%76 Net Margin % is 18.57% as of Mar. 2026, which is 52% above its 10-year median of 12.24. GuruFocus rates FRA:82MA with a GF Score™ of 76/100 and a GF Value™ of €22.21 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,526 Banks companies, BNP Paribas Bank Polska ranks better than 65.66% on this metric.
The historical rank and industry rank for BNP Paribas Bank Polska's Net Margin % or its related term are showing as below:
FRA:82MA'
s Net Margin % Range Over the Past 10 Years
Min: 2.85 Med: 12.24 Max: 36.51
Current: 31.41
FRA:82MA's Net Margin % is ranked better than 65.66% of 1526
companies
in the Banks industry
Industry Median: 26.97
vs FRA:82MA: 31.41
BNP Paribas Bank Polska (FRA:82MA) 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.
BNP Paribas Bank Polska Net Margin % Related Terms
BNP Paribas Bank Polska Net Margin % Historical Data
* 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, BNP Paribas Bank Polska'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.
BNP Paribas Bank Polska Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, BNP Paribas Bank Polska's Net Margin % distribution charts can be found below:
* The bar in red indicates where BNP Paribas Bank Polska'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.
BNP Paribas Bank Polska (FRA:82MA) has a Net Margin % of 18.57% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on BNP Paribas Bank Polska and its competitors. This is 52% above median its historical median of 12.24. Over the past decade, BNP Paribas Bank Polska's Net Margin % has ranged from 2.85 to 36.51. According to the industry distribution chart, BNP Paribas Bank Polska ranks #524 out of 1526 companies in the Banks industry, placing it in the top 34.3%.
Is BNP Paribas Bank Polska's Net Margin % too high?
BNP Paribas Bank Polska's current Net Margin % of 18.57% is 52% above median its 10-year median of 12.24. Over the past 10 years, this metric has ranged from a low of 2.85 to a high of 36.51. The Banks industry median Net Margin % is 26.97. BNP Paribas Bank Polska's value of 18.57% is 31.1% below this industry median. Based on the distribution chart, BNP Paribas Bank Polska ranks #524 out of 1526 companies in the Banks industry, which is above the industry midpoint. Overall, BNP Paribas Bank Polska has a GF Score™ of 76/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does BNP Paribas Bank Polska's Net Margin % compare to PNC?
According to the Banks industry distribution chart, BNP Paribas Bank Polska ranks #524 out of 1526 companies for Net Margin %. This puts BNP Paribas Bank Polska in the upper half of its industry. The industry median Net Margin % is 26.97. BNP Paribas Bank Polska's value of 18.57% is 31.1% below this benchmark. Historically, BNP Paribas Bank Polska's own Net Margin % has ranged from 2.85 to 36.51 over the past decade. While the company's 10-year median is 12.24 vs. the industry median of 26.97, BNP Paribas Bank Polska 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. BNP Paribas Bank Polska's current Net Margin % of 18.57% is 31.1% 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 BNP Paribas Bank Polska 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. BNP Paribas Bank Polska's current Net Margin % is 18.57%, which is 52% above median its own 10-year median of 12.24. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is BNP Paribas Bank Polska stock overvalued right now?
Based on GuruFocus' analysis, BNP Paribas Bank Polska (FRA:82MA) is currently considered Significantly Overvalued. The stock's GF Value™ is €22.21, compared to a current price of €33.80 — trading 52.2% above its estimated fair value. The current Net Margin % is 18.57%, which is 52% above median its 10-year median of 12.24 and 31.1% below the Banks industry median of 26.97. BNP Paribas Bank Polska's overall GF Score™ is 76/100 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 BNP Paribas Bank Polska (FRA:82MA), the current Net Margin % is 18.57% 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 BNP Paribas Bank Polska (FRA:82MA) Overvalued in 2026?
Based on GuruFocus' analysis, BNP Paribas Bank Polska stock appears to be overvalued.
The current stock price of €33.80 is trading 52.2% above its estimated GF Value™ of €22.21.
GuruFocus considers BNP Paribas Bank Polska to be Significantly Overvalued.
Key valuation signals for FRA:82MA:
Net Margin %: 18.57% (52% above median its 10-year median of 12.24)
GF Value™: €22.21 vs. price of €33.80 (52.2% above fair value)
Industry Position: 31.1% below the Banks median (#524 of 1526)
No single metric tells the full story. See the FRA:82MA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
BNP Paribas Bank Polska SA is a universal commercial bank offering a wide range of banking services provided to individual and institutional customers in accordance with the scope of services specified in the Bank's Articles of Association. The Bank operates both in Polish zlotys and foreign currencies and actively participates in trading on domestic and foreign financial markets. In addition, through its subsidiaries, the Group conducts brokerage and leasing activities and provides other financial services. Its reportable operating segments include Retail and Business Banking, Small and Medium-Sized Enterprises (SME), Corporate Banking, Corporate and Institutional Banking (CIB), and Other Operations, including ALM Treasury and the Corporate Centre.
76GF Score
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