The historical rank and industry rank for Bendigo and Adelaide Bank's Net Margin % or its related term are showing as below:
FRA:BDJ'
s Net Margin % Range Over the Past 10 Years
Min: -5.07 Med: 27.03 Max: 29.35
Current: -4.17
FRA:BDJ's Net Margin % is ranked worse than 96.66% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs FRA:BDJ: -4.17
Bendigo and Adelaide Bank (FRA:BDJ) 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.
Bendigo and Adelaide Bank Net Margin % Related Terms
Bendigo and Adelaide Bank 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, Bendigo and Adelaide Bank'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.
Bendigo and Adelaide Bank Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Bendigo and Adelaide Bank's Net Margin % distribution charts can be found below:
* The bar in red indicates where Bendigo and Adelaide Bank'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.
Bendigo and Adelaide Bank (FRA:BDJ) has a Net Margin % of 22.74% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Bendigo and Adelaide Bank and its competitors. This is 16% below median its historical median of 27.03. According to the industry distribution chart, Bendigo and Adelaide Bank ranks #1476 out of 1527 companies in the Banks industry, placing it in the top 96.7%.
Is Bendigo and Adelaide Bank's Net Margin % too high?
Bendigo and Adelaide Bank's current Net Margin % of 22.74% is 16% below median its 10-year median of 27.03. The Banks industry median Net Margin % is 26.95. Bendigo and Adelaide Bank's value of 22.74% is 15.6% below this industry median. Based on the distribution chart, Bendigo and Adelaide Bank ranks #1476 out of 1527 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Bendigo and Adelaide Bank has a GF Score™ of 61/100, reflecting its overall financial health beyond just this single metric.
How does Bendigo and Adelaide Bank's Net Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Bendigo and Adelaide Bank ranks #1476 out of 1527 companies for Net Margin %. This places Bendigo and Adelaide Bank in the lower half of its industry. The industry median Net Margin % is 26.95. Bendigo and Adelaide Bank's value of 22.74% is 15.6% below this benchmark. While the company's 10-year median is 27.03 vs. the industry median of 26.95, Bendigo and Adelaide Bank 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. Bendigo and Adelaide Bank's current Net Margin % of 22.74% is 15.6% 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 Bendigo and Adelaide Bank 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. Bendigo and Adelaide Bank's current Net Margin % is 22.74%, which is 16% below median its own 10-year median of 27.03. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bendigo and Adelaide Bank stock overvalued right now?
Bendigo and Adelaide Bank (FRA:BDJ) has a current Net Margin % of 22.74%. The stock's GF Value™ is €6.76, compared to a current price of €6.05 — trading 10.5% below its estimated fair value. The current Net Margin % is 22.74%, which is 16% below median its 10-year median of 27.03 and 15.6% below the Banks industry median of 26.95. Bendigo and Adelaide Bank's overall GF Score™ is 61/100 with 6 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 Bendigo and Adelaide Bank (FRA:BDJ), the current Net Margin % is 22.74% 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 Bendigo and Adelaide Bank (FRA:BDJ) Overvalued in 2026?
Based on GuruFocus' analysis, Bendigo and Adelaide Bank stock appears to be undervalued.
The current stock price of €6.05 is trading 10.5% below its estimated GF Value™ of €6.76.
Key valuation signals for FRA:BDJ:
Net Margin %: 22.74% (16% below median its 10-year median of 27.03)
GF Value™: €6.76 vs. price of €6.05 (10.5% below fair value)
Industry Position: 15.6% below the Banks median (#1476 of 1527)
No single metric tells the full story. See the FRA:BDJ stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Founded in 1858 as the Bendigo Building Society as a leading regional bank operating in the consumer, small-business, and rural banking sectors, Bendigo gained public goodwill after rolling out branches in locations deserted by major banks in the late 1990s and early 2000s. The Adelaide Bank merger in 2007 diversified the bank into wholesale banking, while expanding the geographical footprint. It is a conservatively managed retail bank with a long history, a well-regarded retail franchise, and high levels of customer and shareholder loyalty.
61GF Score
Get the complete analysis for FRA:BDJ
Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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