PT Bank Ganesha TbkISX:BGTG +10.89%56 Net Margin % is 50.91% as of Mar. 2026, which is 207% above its 10-year median of 16.60. GuruFocus rates ISX:BGTG with a GF Score™ of 56/100 and a GF Value™ of Rp69.67 (Significantly Overvalued). The stock has 2 warning signs investors should review. Among 1,528 Banks companies, PT Bank Ganesha Tbk ranks better than 92.34% on this metric.
The historical rank and industry rank for PT Bank Ganesha Tbk's Net Margin % or its related term are showing as below:
ISX:BGTG'
s Net Margin % Range Over the Past 10 Years
Min: 1.46 Med: 16.6 Max: 48.08
Current: 48.08
ISX:BGTG's Net Margin % is ranked better than 92.34% of 1528
companies
in the Banks industry
Industry Median: 26.845
vs ISX:BGTG: 48.08
PT Bank Ganesha Tbk (ISX:BGTG) 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 Ganesha Tbk Net Margin % Related Terms
PT Bank Ganesha Tbk Net Margin % Historical Data
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The historical data trend for PT Bank Ganesha Tbk's Net Margin % can be seen below:
* 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 Ganesha Tbk Net Margin % Competitor Comparison
For the Banks - Regional subindustry, PT Bank Ganesha 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 Ganesha Tbk Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, PT Bank Ganesha Tbk's Net Margin % distribution charts can be found below:
* The bar in red indicates where PT Bank Ganesha 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 Ganesha Tbk (ISX:BGTG) has a Net Margin % of 50.91% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on PT Bank Ganesha Tbk and its competitors. This is 207% above median its historical median of 16.60. Over the past decade, PT Bank Ganesha Tbk's Net Margin % has ranged from 1.46 to 48.08. According to the industry distribution chart, PT Bank Ganesha Tbk ranks #117 out of 1528 companies in the Banks industry, placing it in the top 7.7%.
Is PT Bank Ganesha Tbk's Net Margin % too high?
PT Bank Ganesha Tbk's current Net Margin % of 50.91% is 207% above median its 10-year median of 16.60. Over the past 10 years, this metric has ranged from a low of 1.46 to a high of 48.08. The Banks industry median Net Margin % is 26.85. PT Bank Ganesha Tbk's value of 50.91% is 89.6% above this industry median. Based on the distribution chart, PT Bank Ganesha Tbk ranks #117 out of 1528 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, PT Bank Ganesha Tbk has a GF Score™ of 56/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does PT Bank Ganesha Tbk's Net Margin % compare to competitors?
According to the Banks industry distribution chart, PT Bank Ganesha Tbk ranks #117 out of 1528 companies for Net Margin %. This places PT Bank Ganesha Tbk in the top 8% of its industry — outperforming the majority of peers. The industry median Net Margin % is 26.85. PT Bank Ganesha Tbk's value of 50.91% is 89.6% above this benchmark. Historically, PT Bank Ganesha Tbk's own Net Margin % has ranged from 1.46 to 48.08 over the past decade. While the company's 10-year median is 16.60 vs. the industry median of 26.85, PT Bank Ganesha 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 1,528 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 Ganesha Tbk's current Net Margin % of 50.91% is 89.6% 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 Ganesha 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 Ganesha Tbk's current Net Margin % is 50.91%, which is 207% above median its own 10-year median of 16.60. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank Ganesha Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Bank Ganesha Tbk (ISX:BGTG) is currently considered Significantly Overvalued. The stock's GF Value™ is Rp69.67, compared to a current price of Rp112.00 — trading 60.8% above its estimated fair value. The current Net Margin % is 50.91%, which is 207% above median its 10-year median of 16.60 and 89.6% above the Banks industry median of 26.85. PT Bank Ganesha Tbk's overall GF Score™ is 56/100 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 Ganesha Tbk (ISX:BGTG), the current Net Margin % is 50.91% 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 Ganesha Tbk (ISX:BGTG) Overvalued in 2026?
Based on GuruFocus' analysis, PT Bank Ganesha Tbk stock appears to be overvalued.
The current stock price of Rp112.00 is trading 60.8% above its estimated GF Value™ of Rp69.67.
GuruFocus considers PT Bank Ganesha Tbk to be Significantly Overvalued.
Key valuation signals for ISX:BGTG:
Net Margin %: 50.91% (207% above median its 10-year median of 16.60)
GF Value™: Rp69.67 vs. price of Rp112.00 (60.8% above fair value)
Industry Position: 89.6% above the Banks median (#117 of 1528)
No single metric tells the full story. See the ISX:BGTG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT Bank Ganesha Tbk operates as a commercial bank. The bank's operational segment is divided based on products and services, consisting of Banking, Consumer, Treasury, and Other businesses. The majority of the revenue is derived from the Consumer segment. The bank offers time deposits, current accounts, and savings accounts, as well as extends loans to commercial, SME, and corporate segments. The bank also offers export and import payment transactions, foreign exchange, and other banking services. All operations of the bank are in the territory of Indonesia.
56GF Score
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