Rakuten BankFRA:N5G 73 Net Margin % is 43.28% as of Mar. 2026, which is 21% above its 10-year median of 35.63. GuruFocus rates FRA:N5G with a GF Score™ of 73/100 and a GF Value™ of €37.74 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 1,527 Banks companies, Rakuten Bank ranks better than 88.93% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Rakuten Bank's Net Income for the
three
months ended in Mar. 2026 was €108.8 Mil. Rakuten Bank's Revenue for the
three
months ended in Mar. 2026 was €251.3 Mil. Therefore, Rakuten Bank's net margin for the quarter that ended in Mar. 2026 was 43.28%.
The historical rank and industry rank for Rakuten Bank's Net Margin % or its related term are showing as below:
FRA:N5G'
s Net Margin % Range Over the Past 10 Years
Min: 30.07 Med: 35.63 Max: 43.85
Current: 43.85
FRA:N5G's Net Margin % is ranked better than 88.93% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs FRA:N5G: 43.85
Rakuten Bank (FRA:N5G) 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.
Rakuten Bank Net Margin % Related Terms
Rakuten Bank Net Margin % Historical Data
* Premium members only.
The historical data trend for Rakuten Bank'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, Rakuten 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.
Rakuten Bank Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Rakuten Bank's Net Margin % distribution charts can be found below:
* The bar in red indicates where Rakuten 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.
Rakuten Bank (FRA:N5G) has a Net Margin % of 43.28% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Rakuten Bank and its competitors. This is 21% above median its historical median of 35.63. Over the past decade, Rakuten Bank's Net Margin % has ranged from 30.07 to 43.85. According to the industry distribution chart, Rakuten Bank ranks #169 out of 1527 companies in the Banks industry, placing it in the top 11.1%.
Is Rakuten Bank's Net Margin % too high?
Rakuten Bank's current Net Margin % of 43.28% is 21% above median its 10-year median of 35.63. Over the past 10 years, this metric has ranged from a low of 30.07 to a high of 43.85. The Banks industry median Net Margin % is 26.95. Rakuten Bank's value of 43.28% is 60.6% above this industry median. Based on the distribution chart, Rakuten Bank ranks #169 out of 1527 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Rakuten Bank has a GF Score™ of 73/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Rakuten Bank's Net Margin % compare to competitors?
According to the Banks industry distribution chart, Rakuten Bank ranks #169 out of 1527 companies for Net Margin %. This places Rakuten Bank in the top 11% of its industry — outperforming the majority of peers. The industry median Net Margin % is 26.95. Rakuten Bank's value of 43.28% is 60.6% above this benchmark. Historically, Rakuten Bank's own Net Margin % has ranged from 30.07 to 43.85 over the past decade. While the company's 10-year median is 35.63 vs. the industry median of 26.95, Rakuten Bank 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. Rakuten Bank's current Net Margin % of 43.28% is 60.6% 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 Rakuten 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. Rakuten Bank's current Net Margin % is 43.28%, which is 21% above median its own 10-year median of 35.63. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Rakuten Bank stock overvalued right now?
Based on GuruFocus' analysis, Rakuten Bank (FRA:N5G) is currently considered Modestly Undervalued. The stock's GF Value™ is €37.74, compared to a current price of €27.20 — trading 27.9% below its estimated fair value. The current Net Margin % is 43.28%, which is 21% above median its 10-year median of 35.63 and 60.6% above the Banks industry median of 26.95. Rakuten Bank's overall GF Score™ is 73/100 with 2 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 Rakuten Bank (FRA:N5G), the current Net Margin % is 43.28% 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 Rakuten Bank (FRA:N5G) Overvalued in 2026?
Based on GuruFocus' analysis, Rakuten Bank stock appears to be undervalued.
The current stock price of €27.20 is trading 27.9% below its estimated GF Value™ of €37.74.
GuruFocus considers Rakuten Bank to be Modestly Undervalued.
Key valuation signals for FRA:N5G:
Net Margin %: 43.28% (21% above median its 10-year median of 35.63)
GF Value™: €37.74 vs. price of €27.20 (27.9% below fair value)
Industry Position: 60.6% above the Banks median (#169 of 1527)
No single metric tells the full story. See the FRA:N5G stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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