FRA:P7T'
s Net Margin % Range Over the Past 10 Years
Min: 18.41 Med: 29.22 Max: 32.68
Current: 18.41
FRA:P7T's Net Margin % is ranked worse than 74.07% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs FRA:P7T: 18.41
PT Bank Pembangunan Daerah Jawa Timur Tbk (FRA:P7T) 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 Pembangunan Daerah Jawa Timur Tbk Net Margin % Related Terms
PT Bank Pembangunan Daerah Jawa Timur 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 Pembangunan Daerah Jawa Timur Tbk Net Margin % Chart
PT Bank Pembangunan Daerah Jawa Timur Tbk Annual Data
PT Bank Pembangunan Daerah Jawa Timur Tbk Net Margin % Competitor Comparison
For the Banks - Regional subindustry, PT Bank Pembangunan Daerah Jawa Timur 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 Pembangunan Daerah Jawa Timur Tbk Net Margin % vs Banks Industry
* 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 Pembangunan Daerah Jawa Timur Tbk (FRA:P7T) has a Net Margin % of 14.31% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on PT Bank Pembangunan Daerah Jawa Timur Tbk and its competitors. This is 51% below median its historical median of 29.22. Over the past decade, PT Bank Pembangunan Daerah Jawa Timur Tbk's Net Margin % has ranged from 18.41 to 32.68. According to the industry distribution chart, PT Bank Pembangunan Daerah Jawa Timur Tbk ranks #1131 out of 1527 companies in the Banks industry, placing it in the top 74.1%.
Is PT Bank Pembangunan Daerah Jawa Timur Tbk's Net Margin % too high?
PT Bank Pembangunan Daerah Jawa Timur Tbk's current Net Margin % of 14.31% is 51% below median its 10-year median of 29.22. Over the past 10 years, this metric has ranged from a low of 18.41 to a high of 32.68. The Banks industry median Net Margin % is 26.95. PT Bank Pembangunan Daerah Jawa Timur Tbk's value of 14.31% is 46.9% below this industry median. Based on the distribution chart, PT Bank Pembangunan Daerah Jawa Timur Tbk ranks #1131 out of 1527 companies in the Banks industry, which is below the industry midpoint. Overall, PT Bank Pembangunan Daerah Jawa Timur Tbk has a GF Score™ of 71/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT Bank Pembangunan Daerah Jawa Timur Tbk's Net Margin % compare to competitors?
According to the Banks industry distribution chart, PT Bank Pembangunan Daerah Jawa Timur Tbk ranks #1131 out of 1527 companies for Net Margin %. This places PT Bank Pembangunan Daerah Jawa Timur Tbk in the lower half of its industry. The industry median Net Margin % is 26.95. PT Bank Pembangunan Daerah Jawa Timur Tbk's value of 14.31% is 46.9% below this benchmark. Historically, PT Bank Pembangunan Daerah Jawa Timur Tbk's own Net Margin % has ranged from 18.41 to 32.68 over the past decade. While the company's 10-year median is 29.22 vs. the industry median of 26.95, PT Bank Pembangunan Daerah Jawa Timur Tbk 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. PT Bank Pembangunan Daerah Jawa Timur Tbk's current Net Margin % of 14.31% is 46.9% 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 PT Bank Pembangunan Daerah Jawa Timur Tbk 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. PT Bank Pembangunan Daerah Jawa Timur Tbk's current Net Margin % is 14.31%, which is 51% below median its own 10-year median of 29.22. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank Pembangunan Daerah Jawa Timur Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Bank Pembangunan Daerah Jawa Timur Tbk (FRA:P7T) is currently considered Significantly Undervalued. The stock's GF Value™ is €0.04, compared to a current price of €0.02 — trading 46.3% below its estimated fair value. The current Net Margin % is 14.31%, which is 51% below median its 10-year median of 29.22 and 46.9% below the Banks industry median of 26.95. PT Bank Pembangunan Daerah Jawa Timur Tbk's overall GF Score™ is 71/100 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 PT Bank Pembangunan Daerah Jawa Timur Tbk (FRA:P7T), the current Net Margin % is 14.31% 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 Pembangunan Daerah Jawa Timur Tbk (FRA:P7T) Overvalued in 2026?
Based on GuruFocus' analysis, PT Bank Pembangunan Daerah Jawa Timur Tbk stock appears to be undervalued.
The current stock price of €0.02 is trading 46.3% below its estimated GF Value™ of €0.04.
GuruFocus considers PT Bank Pembangunan Daerah Jawa Timur Tbk to be Significantly Undervalued.
Key valuation signals for FRA:P7T:
Net Margin %: 14.31% (51% below median its 10-year median of 29.22)
GF Value™: €0.04 vs. price of €0.02 (46.3% below fair value)
Industry Position: 46.9% below the Banks median (#1131 of 1527)
No single metric tells the full story. See the FRA:P7T stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT Bank Pembangunan Daerah Jawa Timur Tbk Business Description
PT Bank Pembangunan Daerah Jawa Timur Tbk is an Indonesian bank. The bank generates all of its revenue domestically. The bank operates under two segments: conventional and Sharia. The conventional segment includes deposits in local and foreign currency, savings accounts, checking accounts, capital loans, property construction loans, working-capital finance, mortgages, small and midsize enterprise loans, personal loans, mobile banking, debit cards, and safety deposit boxes. The Sharia segment provides banking services in accordance with Islamic traditions. The bank generates majority of its revenue from conventional services.
71GF Score
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