The historical rank and industry rank for PT Bank Pan Indonesia Tbk's Net Margin % or its related term are showing as below:
FRA:PTQ'
s Net Margin % Range Over the Past 10 Years
Min: 17.27 Med: 26.55 Max: 32.91
Current: 25.92
FRA:PTQ's Net Margin % is ranked worse than 53.05% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs FRA:PTQ: 25.92
PT Bank Pan Indonesia Tbk (FRA:PTQ) 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 Pan Indonesia Tbk Net Margin % Related Terms
PT Bank Pan Indonesia 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 Pan Indonesia Tbk Net Margin % Competitor Comparison
For the Banks - Regional subindustry, PT Bank Pan Indonesia 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 Pan Indonesia Tbk Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, PT Bank Pan Indonesia Tbk's Net Margin % distribution charts can be found below:
* The bar in red indicates where PT Bank Pan Indonesia 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 Pan Indonesia Tbk (FRA:PTQ) has a Net Margin % of 27.21% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on PT Bank Pan Indonesia Tbk and its competitors. This is near median its historical median of 26.55. Over the past decade, PT Bank Pan Indonesia Tbk's Net Margin % has ranged from 17.27 to 32.91. According to the industry distribution chart, PT Bank Pan Indonesia Tbk ranks #810 out of 1527 companies in the Banks industry, placing it in the top 53%.
Is PT Bank Pan Indonesia Tbk's Net Margin % too high?
PT Bank Pan Indonesia Tbk's current Net Margin % of 27.21% is near median its 10-year median of 26.55. Over the past 10 years, this metric has ranged from a low of 17.27 to a high of 32.91. The Banks industry median Net Margin % is 26.95. PT Bank Pan Indonesia Tbk's value of 27.21% is 1% above this industry median. Based on the distribution chart, PT Bank Pan Indonesia Tbk ranks #810 out of 1527 companies in the Banks industry, which is below the industry midpoint. Overall, PT Bank Pan Indonesia Tbk has a GF Score™ of 63/100, reflecting its overall financial health beyond just this single metric.
How does PT Bank Pan Indonesia Tbk's Net Margin % compare to competitors?
According to the Banks industry distribution chart, PT Bank Pan Indonesia Tbk ranks #810 out of 1527 companies for Net Margin %. This places PT Bank Pan Indonesia Tbk in the lower half of its industry. The industry median Net Margin % is 26.95. PT Bank Pan Indonesia Tbk's value of 27.21% is 1% above this benchmark. Historically, PT Bank Pan Indonesia Tbk's own Net Margin % has ranged from 17.27 to 32.91 over the past decade. While the company's 10-year median is 26.55 vs. the industry median of 26.95, PT Bank Pan Indonesia 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 26.95, 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 Pan Indonesia Tbk's current Net Margin % of 27.21% is 1% 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 Pan Indonesia 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 Pan Indonesia Tbk's current Net Margin % is 27.21%, which is near median its own 10-year median of 26.55. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank Pan Indonesia Tbk stock overvalued right now?
PT Bank Pan Indonesia Tbk (FRA:PTQ) has a current Net Margin % of 27.21%. The stock's GF Value™ is €0.05, compared to a current price of €0.04 — trading 29% below its estimated fair value. The current Net Margin % is 27.21%, which is near median its 10-year median of 26.55 and 1% above the Banks industry median of 26.95. PT Bank Pan Indonesia Tbk's overall GF Score™ is 63/100 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 Pan Indonesia Tbk (FRA:PTQ), the current Net Margin % is 27.21% 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 Pan Indonesia Tbk (FRA:PTQ) Overvalued in 2026?
Based on GuruFocus' analysis, PT Bank Pan Indonesia Tbk stock appears to be undervalued.
The current stock price of €0.04 is trading 29% below its estimated GF Value™ of €0.05.
Key valuation signals for FRA:PTQ:
Net Margin %: 27.21% (near median its 10-year median of 26.55)
GF Value™: €0.05 vs. price of €0.04 (29% below fair value)
Industry Position: 1% above the Banks median (#810 of 1527)
No single metric tells the full story. See the FRA:PTQ stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT Bank Pan Indonesia Tbk is an Indonesian bank with a subsidiary that operates in the field of banking services. It provides Individual and business banking services. Its reportable segments are Banking and Multi-finance. It generates the majority of its revenue from the Banking segment, which includes conventional commercial banks and Sharia commercial banks. The principal operation of the group is in Indonesia.
63GF Score
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Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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