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PT Bank JTrust Indonesia Tbk (ISX:BCIC) 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 JTrust Indonesia Tbk Net Margin % Related Terms
PT Bank JTrust 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 JTrust Indonesia Tbk Net Margin % Competitor Comparison
For the Banks - Regional subindustry, PT Bank JTrust 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 JTrust Indonesia Tbk Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, PT Bank JTrust Indonesia Tbk's Net Margin % distribution charts can be found below:
* The bar in red indicates where PT Bank JTrust 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 JTrust Indonesia Tbk (ISX:BCIC) has a Net Margin % of 27.98% as of Jun. 2026. Net margin is the ratio of total net income to net sales. View historical data on PT Bank JTrust Indonesia Tbk and its competitors. According to the industry distribution chart, PT Bank JTrust Indonesia Tbk ranks #1510 out of 1526 companies in the Banks industry, placing it in the top 99%.
Is PT Bank JTrust Indonesia Tbk's Net Margin % too high?
PT Bank JTrust Indonesia Tbk's current Net Margin % is 27.98%. The Banks industry median Net Margin % is 27.10. PT Bank JTrust Indonesia Tbk's value of 27.98% is 3.3% above this industry median. Based on the distribution chart, PT Bank JTrust Indonesia Tbk ranks #1510 out of 1526 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, PT Bank JTrust Indonesia Tbk has a GF Score™ of 49/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does PT Bank JTrust Indonesia Tbk's Net Margin % compare to competitors?
According to the Banks industry distribution chart, PT Bank JTrust Indonesia Tbk ranks #1510 out of 1526 companies for Net Margin %. This places PT Bank JTrust Indonesia Tbk in the lower half of its industry. The industry median Net Margin % is 27.10. PT Bank JTrust Indonesia Tbk's value of 27.98% is 3.3% above this benchmark. 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 27.10, based on 1,526 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 JTrust Indonesia Tbk's current Net Margin % of 27.98% is 3.3% 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 JTrust Indonesia Tbk and its competitors. For the Banks industry, the median Net Margin % is 27.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Bank JTrust Indonesia Tbk's current Net Margin % is 27.98%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank JTrust Indonesia Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Bank JTrust Indonesia Tbk (ISX:BCIC) is currently considered Fairly Valued. The stock's GF Value™ is Rp116.85, compared to a current price of Rp126.00 — trading 7.8% above its estimated fair value. The current Net Margin % is 27.98% and 3.3% above the Banks industry median of 27.10. PT Bank JTrust Indonesia Tbk's overall GF Score™ is 49/100 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 JTrust Indonesia Tbk (ISX:BCIC), the current Net Margin % is 27.98% as of Jun. 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 JTrust Indonesia Tbk (ISX:BCIC) Overvalued in 2026?
Based on GuruFocus' analysis, PT Bank JTrust Indonesia Tbk stock appears to be overvalued.
The current stock price of Rp126.00 is trading 7.8% above its estimated GF Value™ of Rp116.85.
GuruFocus considers PT Bank JTrust Indonesia Tbk to be Fairly Valued.
Key valuation signals for ISX:BCIC:
Net Margin %: 27.98%
GF Value™: Rp116.85 vs. price of Rp126.00 (7.8% above fair value)
Industry Position: 3.3% above the Banks median (#1510 of 1526)
No single metric tells the full story. See the ISX:BCIC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT Bank JTrust Indonesia Tbk is an Indonesia-based financial institution. It is engaged in providing financial services. The company's business activities include Corporate Banking, Commercial & SME services, Business Linkage & Consumer operations, a dedicated Japan/Korean Desk, and Funding activities. The company's business divisions are Retail funding, Loan and export/import and Treasury. Its products and services include public deposit taking in the form of demand deposits, and time deposits, providing credit/loans, either for the long term, medium-term, or short-term loan, fund transfer, and foreign exchange activities in accordance with regulations from Bank Indonesia. The company derives maximum revenue from the Loan and export/import segment.
49GF Score
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