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PT Bank Bumi Arta TbkISX:BNBA +1.34%58 Net Margin % is 15.05% as of Mar. 2026, which is 2% above its 10-year median of 14.72. GuruFocus rates ISX:BNBA with a GF Score™ of 58/100 and a GF Value™ of Rp647.48 (Modestly Overvalued). The stock has 1 warning sign investors should review. Among 1,527 Banks companies, PT Bank Bumi Arta Tbk ranks worse than 95.35% on this metric.
The historical rank and industry rank for PT Bank Bumi Arta Tbk's Net Margin % or its related term are showing as below:
ISX:BNBA'
s Net Margin % Range Over the Past 10 Years
Min: 0.68 Med: 14.72 Max: 24.66
Current: 0.68
ISX:BNBA's Net Margin % is ranked worse than 95.35% of 1527
companies
in the Banks industry
Industry Median: 26.88
vs ISX:BNBA: 0.68
PT Bank Bumi Arta Tbk (ISX:BNBA) 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 Bumi Arta Tbk Net Margin % Related Terms
PT Bank Bumi Arta Tbk Net Margin % Historical Data
* Premium members only.
The historical data trend for PT Bank Bumi Arta 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 Bumi Arta Tbk Net Margin % Competitor Comparison
For the Banks - Regional subindustry, PT Bank Bumi Arta 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 Bumi Arta Tbk Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, PT Bank Bumi Arta Tbk's Net Margin % distribution charts can be found below:
* The bar in red indicates where PT Bank Bumi Arta 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 Bumi Arta Tbk (ISX:BNBA) has a Net Margin % of 15.05% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on PT Bank Bumi Arta Tbk and its competitors. This is near median its historical median of 14.72. Over the past decade, PT Bank Bumi Arta Tbk's Net Margin % has ranged from 0.68 to 24.66. According to the industry distribution chart, PT Bank Bumi Arta Tbk ranks #1456 out of 1527 companies in the Banks industry, placing it in the top 95.4%.
Is PT Bank Bumi Arta Tbk's Net Margin % too high?
PT Bank Bumi Arta Tbk's current Net Margin % of 15.05% is near median its 10-year median of 14.72. Over the past 10 years, this metric has ranged from a low of 0.68 to a high of 24.66. The Banks industry median Net Margin % is 26.88. PT Bank Bumi Arta Tbk's value of 15.05% is 44% below this industry median. Based on the distribution chart, PT Bank Bumi Arta Tbk ranks #1456 out of 1527 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, PT Bank Bumi Arta Tbk has a GF Score™ of 58/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does PT Bank Bumi Arta Tbk's Net Margin % compare to competitors?
According to the Banks industry distribution chart, PT Bank Bumi Arta Tbk ranks #1456 out of 1527 companies for Net Margin %. This places PT Bank Bumi Arta Tbk in the lower half of its industry. The industry median Net Margin % is 26.88. PT Bank Bumi Arta Tbk's value of 15.05% is 44% below this benchmark. Historically, PT Bank Bumi Arta Tbk's own Net Margin % has ranged from 0.68 to 24.66 over the past decade. While the company's 10-year median is 14.72 vs. the industry median of 26.88, PT Bank Bumi Arta 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 26.88, 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 Bumi Arta Tbk's current Net Margin % of 15.05% is 44% 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 Bumi Arta Tbk and its competitors. For the Banks industry, the median Net Margin % is 26.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Bank Bumi Arta Tbk's current Net Margin % is 15.05%, which is near median its own 10-year median of 14.72. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank Bumi Arta Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Bank Bumi Arta Tbk (ISX:BNBA) is currently considered Modestly Overvalued. The stock's GF Value™ is Rp647.48, compared to a current price of Rp755.00 — trading 16.6% above its estimated fair value. The current Net Margin % is 15.05%, which is near median its 10-year median of 14.72 and 44% below the Banks industry median of 26.88. PT Bank Bumi Arta Tbk's overall GF Score™ is 58/100 with 1 warning sign 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 Bumi Arta Tbk (ISX:BNBA), the current Net Margin % is 15.05% 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 Bumi Arta Tbk (ISX:BNBA) Overvalued in 2026?
Based on GuruFocus' analysis, PT Bank Bumi Arta Tbk stock appears to be overvalued.
The current stock price of Rp755.00 is trading 16.6% above its estimated GF Value™ of Rp647.48.
GuruFocus considers PT Bank Bumi Arta Tbk to be Modestly Overvalued.
Key valuation signals for ISX:BNBA:
Net Margin %: 15.05% (near median its 10-year median of 14.72)
GF Value™: Rp647.48 vs. price of Rp755.00 (16.6% above fair value)
Industry Position: 44% below the Banks median (#1456 of 1527)
No single metric tells the full story. See the ISX:BNBA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT Bank Bumi Arta Tbk operates as a commercial bank in Indonesia. The bank provides a broad set of retail and commercial banking services, including savings and deposits, working-capital and investment loans, housing and vehicle financing, bank guarantees, payment services, and digital banking channels such as internet and mobile banking. The bank also offers services including ATM (automated teller machine) and debit card facilities, phone banking and internet banking. The geographic segments of Bank Bumi Arta are divided into 2 (two) main regions, namely DKI Jakarta and regions outside DKI Jakarta. The majority of revenue is derived from the DKI Jakarta segment.
58GF Score
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