Bank of GreeceFRA:BGC 55 Net Margin % is 28.40% as of Dec. 2025, which is 55% below its 10-year median of 62.59. GuruFocus rates FRA:BGC with a GF Score™ of 55/100 and a GF Value™ of €23.13 (Possible Value Trap). The stock has 4 warning signs investors should review. Among 1,527 Banks companies, Bank of Greece ranks better than 55.73% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Bank of Greece's Net Income for the
six
months ended in Dec. 2025 was €257.7 Mil. Bank of Greece's Revenue for the
six
months ended in Dec. 2025 was €907.7 Mil. Therefore, Bank of Greece's net margin for the quarter that ended in Dec. 2025 was 28.40%.
The historical rank and industry rank for Bank of Greece's Net Margin % or its related term are showing as below:
FRA:BGC'
s Net Margin % Range Over the Past 10 Years
Min: 18.48 Med: 62.59 Max: 331.76
Current: 28.4
FRA:BGC's Net Margin % is ranked better than 55.73% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs FRA:BGC: 28.40
Bank of Greece (FRA:BGC) 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.
Bank of Greece Net Margin % Related Terms
Bank of Greece Net Margin % Historical Data
* Premium members only.
The historical data trend for Bank of Greece'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, Bank of Greece'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.
Bank of Greece Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Bank of Greece's Net Margin % distribution charts can be found below:
* The bar in red indicates where Bank of Greece'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.
Bank of Greece (FRA:BGC) has a Net Margin % of 28.40% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Bank of Greece and its competitors. This is 55% below median its historical median of 62.59. Over the past decade, Bank of Greece's Net Margin % has ranged from 18.48 to 331.76. According to the industry distribution chart, Bank of Greece ranks #676 out of 1527 companies in the Banks industry, placing it in the top 44.3%.
Is Bank of Greece's Net Margin % too high?
Bank of Greece's current Net Margin % of 28.40% is 55% below median its 10-year median of 62.59. Over the past 10 years, this metric has ranged from a low of 18.48 to a high of 331.76. The Banks industry median Net Margin % is 26.95. Bank of Greece's value of 28.40% is 5.4% above this industry median. Based on the distribution chart, Bank of Greece ranks #676 out of 1527 companies in the Banks industry, which is above the industry midpoint. Overall, Bank of Greece has a GF Score™ of 55/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Bank of Greece's Net Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Bank of Greece ranks #676 out of 1527 companies for Net Margin %. This puts Bank of Greece in the upper half of its industry. The industry median Net Margin % is 26.95. Bank of Greece's value of 28.40% is 5.4% above this benchmark. Historically, Bank of Greece's own Net Margin % has ranged from 18.48 to 331.76 over the past decade. While the company's 10-year median is 62.59 vs. the industry median of 26.95, Bank of Greece 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. Bank of Greece's current Net Margin % of 28.40% is 5.4% 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 Bank of Greece 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. Bank of Greece's current Net Margin % is 28.40%, which is 55% below median its own 10-year median of 62.59. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank of Greece stock overvalued right now?
Based on GuruFocus' analysis, Bank of Greece (FRA:BGC) is currently considered Possible Value Trap. The stock's GF Value™ is €23.13, compared to a current price of €14.65 — trading 36.7% below its estimated fair value. The current Net Margin % is 28.40%, which is 55% below median its 10-year median of 62.59 and 5.4% above the Banks industry median of 26.95. Bank of Greece's overall GF Score™ is 55/100 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 Bank of Greece (FRA:BGC), the current Net Margin % is 28.40% 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 Bank of Greece (FRA:BGC) Overvalued in 2026?
Based on GuruFocus' analysis, Bank of Greece stock appears to be undervalued.
The current stock price of €14.65 is trading 36.7% below its estimated GF Value™ of €23.13.
GuruFocus considers Bank of Greece to be Possible Value Trap.
Key valuation signals for FRA:BGC:
Net Margin %: 28.40% (55% below median its 10-year median of 62.59)
GF Value™: €23.13 vs. price of €14.65 (36.7% below fair value)
Industry Position: 5.4% above the Banks median (#676 of 1527)
No single metric tells the full story. See the FRA:BGC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bank of Greece operate as a central bank of Greece. It is responsible for implementing the Eurosystem's monetary policy in Greece and safeguarding the stability of the Greek financial system. Its primary objective is to ensure the stability of the general price level.
55GF Score
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