TMBThanachart Bank PCLFRA:TMLF 52 Net Margin % is 31.03% as of Mar. 2026, which is 44% above its 10-year median of 21.56. GuruFocus rates FRA:TMLF with a GF Score™ of 52/100 and a GF Value™ of €0.04 (Modestly Overvalued). The stock has 8 warning signs investors should review. Among 1,527 Banks companies, TMBThanachart Bank PCL ranks better than 56.19% on this metric.
The historical rank and industry rank for TMBThanachart Bank PCL's Net Margin % or its related term are showing as below:
FRA:TMLF'
s Net Margin % Range Over the Past 10 Years
Min: 14.28 Med: 21.56 Max: 29.68
Current: 28.53
FRA:TMLF's Net Margin % is ranked better than 56.19% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs FRA:TMLF: 28.53
TMBThanachart Bank PCL (FRA:TMLF) 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.
TMBThanachart Bank PCL Net Margin % Related Terms
TMBThanachart Bank PCL 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.
TMBThanachart Bank PCL Net Margin % Competitor Comparison
For the Banks - Regional subindustry, TMBThanachart Bank PCL'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.
TMBThanachart Bank PCL Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, TMBThanachart Bank PCL's Net Margin % distribution charts can be found below:
* The bar in red indicates where TMBThanachart Bank PCL'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.
TMBThanachart Bank PCL (FRA:TMLF) has a Net Margin % of 31.03% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on TMBThanachart Bank PCL and its competitors. This is 44% above median its historical median of 21.56. Over the past decade, TMBThanachart Bank PCL's Net Margin % has ranged from 14.28 to 29.68. According to the industry distribution chart, TMBThanachart Bank PCL ranks #669 out of 1527 companies in the Banks industry, placing it in the top 43.8%.
Is TMBThanachart Bank PCL's Net Margin % too high?
TMBThanachart Bank PCL's current Net Margin % of 31.03% is 44% above median its 10-year median of 21.56. Over the past 10 years, this metric has ranged from a low of 14.28 to a high of 29.68. The Banks industry median Net Margin % is 26.95. TMBThanachart Bank PCL's value of 31.03% is 15.1% above this industry median. Based on the distribution chart, TMBThanachart Bank PCL ranks #669 out of 1527 companies in the Banks industry, which is above the industry midpoint. Overall, TMBThanachart Bank PCL has a GF Score™ of 52/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does TMBThanachart Bank PCL's Net Margin % compare to competitors?
According to the Banks industry distribution chart, TMBThanachart Bank PCL ranks #669 out of 1527 companies for Net Margin %. This puts TMBThanachart Bank PCL in the upper half of its industry. The industry median Net Margin % is 26.95. TMBThanachart Bank PCL's value of 31.03% is 15.1% above this benchmark. Historically, TMBThanachart Bank PCL's own Net Margin % has ranged from 14.28 to 29.68 over the past decade. While the company's 10-year median is 21.56 vs. the industry median of 26.95, TMBThanachart Bank PCL 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. TMBThanachart Bank PCL's current Net Margin % of 31.03% is 15.1% 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 TMBThanachart Bank PCL 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. TMBThanachart Bank PCL's current Net Margin % is 31.03%, which is 44% above median its own 10-year median of 21.56. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is TMBThanachart Bank PCL stock overvalued right now?
Based on GuruFocus' analysis, TMBThanachart Bank PCL (FRA:TMLF) is currently considered Modestly Overvalued. The stock's GF Value™ is €0.04, compared to a current price of €0.05 — trading 25% above its estimated fair value. The current Net Margin % is 31.03%, which is 44% above median its 10-year median of 21.56 and 15.1% above the Banks industry median of 26.95. TMBThanachart Bank PCL's overall GF Score™ is 52/100 with 8 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 TMBThanachart Bank PCL (FRA:TMLF), the current Net Margin % is 31.03% 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 TMBThanachart Bank PCL (FRA:TMLF) Overvalued in 2026?
Based on GuruFocus' analysis, TMBThanachart Bank PCL stock appears to be overvalued.
The current stock price of €0.05 is trading 25% above its estimated GF Value™ of €0.04.
GuruFocus considers TMBThanachart Bank PCL to be Modestly Overvalued.
Key valuation signals for FRA:TMLF:
Net Margin %: 31.03% (44% above median its 10-year median of 21.56)
GF Value™: €0.04 vs. price of €0.05 (25% above fair value)
Industry Position: 15.1% above the Banks median (#669 of 1527)
No single metric tells the full story. See the FRA:TMLF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
TMBThanachart Bank PCL is a Thailand-based company that is principally engaged in banking. The company operates in two reportable segments retail and commercial banking. Retail banking provides customers with services such as deposits, loans, and credit cards. Commercial banking provides lending, deposit, and management services to wholesale, small, and midsize businesses. The company has maximum revenue from Retail Banking. The company's business operations are concentrated in Thailand.
52GF 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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