PT Bank CIMB Niaga TbkFRA:NKX -2.59%80 Net Margin % is 34.90% as of Mar. 2026, which is 55% above its 10-year median of 22.56. GuruFocus rates FRA:NKX with a GF Score™ of 80/100 and a GF Value™ of €0.07 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 1,530 Banks companies, PT Bank CIMB Niaga Tbk ranks better than 74.38% on this metric.
The historical rank and industry rank for PT Bank CIMB Niaga Tbk's Net Margin % or its related term are showing as below:
FRA:NKX'
s Net Margin % Range Over the Past 10 Years
Min: 12.41 Med: 22.56 Max: 36.03
Current: 34.61
FRA:NKX's Net Margin % is ranked better than 74.38% of 1530
companies
in the Banks industry
Industry Median: 26.845
vs FRA:NKX: 34.61
PT Bank CIMB Niaga Tbk (FRA:NKX) 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.
PT Bank CIMB Niaga Tbk Net Margin % Related Terms
PT Bank CIMB Niaga Tbk 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.
PT Bank CIMB Niaga Tbk Net Margin % Competitor Comparison
For the Banks - Regional subindustry, PT Bank CIMB Niaga Tbk'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.
PT Bank CIMB Niaga Tbk Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, PT Bank CIMB Niaga Tbk's Net Margin % distribution charts can be found below:
* The bar in red indicates where PT Bank CIMB Niaga Tbk'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.
PT Bank CIMB Niaga Tbk (FRA:NKX) has a Net Margin % of 34.90% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on PT Bank CIMB Niaga Tbk and its competitors. This is 55% above median its historical median of 22.56. Over the past decade, PT Bank CIMB Niaga Tbk's Net Margin % has ranged from 12.41 to 36.03. According to the industry distribution chart, PT Bank CIMB Niaga Tbk ranks #392 out of 1530 companies in the Banks industry, placing it in the top 25.6%.
Is PT Bank CIMB Niaga Tbk's Net Margin % too high?
PT Bank CIMB Niaga Tbk's current Net Margin % of 34.90% is 55% above median its 10-year median of 22.56. Over the past 10 years, this metric has ranged from a low of 12.41 to a high of 36.03. The Banks industry median Net Margin % is 26.85. PT Bank CIMB Niaga Tbk's value of 34.90% is 30% above this industry median. Based on the distribution chart, PT Bank CIMB Niaga Tbk ranks #392 out of 1530 companies in the Banks industry, which is above the industry midpoint. Overall, PT Bank CIMB Niaga Tbk has a GF Score™ of 80/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT Bank CIMB Niaga Tbk's Net Margin % compare to competitors?
According to the Banks industry distribution chart, PT Bank CIMB Niaga Tbk ranks #392 out of 1530 companies for Net Margin %. This puts PT Bank CIMB Niaga Tbk in the upper half of its industry. The industry median Net Margin % is 26.85. PT Bank CIMB Niaga Tbk's value of 34.90% is 30% above this benchmark. Historically, PT Bank CIMB Niaga Tbk's own Net Margin % has ranged from 12.41 to 36.03 over the past decade. While the company's 10-year median is 22.56 vs. the industry median of 26.85, PT Bank CIMB Niaga Tbk 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 1,530 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. PT Bank CIMB Niaga Tbk's current Net Margin % of 34.90% is 30% 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 PT Bank CIMB Niaga Tbk 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. PT Bank CIMB Niaga Tbk's current Net Margin % is 34.90%, which is 55% above median its own 10-year median of 22.56. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank CIMB Niaga Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Bank CIMB Niaga Tbk (FRA:NKX) is currently considered Modestly Undervalued. The stock's GF Value™ is €0.07, compared to a current price of €0.06 — trading 19.3% below its estimated fair value. The current Net Margin % is 34.90%, which is 55% above median its 10-year median of 22.56 and 30% above the Banks industry median of 26.85. PT Bank CIMB Niaga Tbk's overall GF Score™ is 80/100 with 3 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 PT Bank CIMB Niaga Tbk (FRA:NKX), the current Net Margin % is 34.90% 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 PT Bank CIMB Niaga Tbk (FRA:NKX) Overvalued in 2026?
Based on GuruFocus' analysis, PT Bank CIMB Niaga Tbk stock appears to be undervalued.
The current stock price of €0.06 is trading 19.3% below its estimated GF Value™ of €0.07.
GuruFocus considers PT Bank CIMB Niaga Tbk to be Modestly Undervalued.
Key valuation signals for FRA:NKX:
Net Margin %: 34.90% (55% above median its 10-year median of 22.56)
GF Value™: €0.07 vs. price of €0.06 (19.3% below fair value)
Industry Position: 30% above the Banks median (#392 of 1530)
No single metric tells the full story. See the FRA:NKX stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT Bank CIMB Niaga Tbk operates in the commercial banking sector. Its principal activities include accepting funds from the public in the form of deposits, namely current accounts, time deposits, certificates of deposits, and saving accounts; providing loans, safe deposit boxes, and online banking facilities; performing custodian and treasury activities; offering credit cards, factoring, and trust services; and others. The company's reportable segments are Corporate, Business, Retail, Treasury, Sharia, Others, and Subsidiaries. Key revenue is generated from its Retail segment, which focuses on providing products and services to individual customers. It includes products such as loans, deposits, and other transactions, and balances with retail customers.
80GF Score
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