ISX:BVIC'
s Net Margin % Range Over the Past 10 Years
Min: -49.76 Med: 15.44 Max: 30.09
Current: 14.92
ISX:BVIC's Net Margin % is ranked worse than 81.57% of 1525
companies
in the Banks industry
Industry Median: 26.87
vs ISX:BVIC: 14.92
PT Bank Victoria International Tbk (ISX:BVIC) 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 Victoria International Tbk Net Margin % Related Terms
PT Bank Victoria International 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 Victoria International Tbk Net Margin % Chart
PT Bank Victoria International Tbk Net Margin % Competitor Comparison
For the Banks - Regional subindustry, PT Bank Victoria International 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 Victoria International Tbk Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, PT Bank Victoria International Tbk's Net Margin % distribution charts can be found below:
* The bar in red indicates where PT Bank Victoria International 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 Victoria International Tbk (ISX:BVIC) has a Net Margin % of 17.48% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on PT Bank Victoria International Tbk and its competitors. This is 13% above median its historical median of 15.44. According to the industry distribution chart, PT Bank Victoria International Tbk ranks #1244 out of 1525 companies in the Banks industry, placing it in the top 81.6%.
Is PT Bank Victoria International Tbk's Net Margin % too high?
PT Bank Victoria International Tbk's current Net Margin % of 17.48% is 13% above median its 10-year median of 15.44. The Banks industry median Net Margin % is 26.87. PT Bank Victoria International Tbk's value of 17.48% is 34.9% below this industry median. Based on the distribution chart, PT Bank Victoria International Tbk ranks #1244 out of 1525 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, PT Bank Victoria International Tbk has a GF Score™ of 53/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT Bank Victoria International Tbk's Net Margin % compare to competitors?
According to the Banks industry distribution chart, PT Bank Victoria International Tbk ranks #1244 out of 1525 companies for Net Margin %. This places PT Bank Victoria International Tbk in the lower half of its industry. The industry median Net Margin % is 26.87. PT Bank Victoria International Tbk's value of 17.48% is 34.9% below this benchmark. While the company's 10-year median is 15.44 vs. the industry median of 26.87, PT Bank Victoria International 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 26.87, based on 1,525 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 Victoria International Tbk's current Net Margin % of 17.48% is 34.9% 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 Victoria International Tbk and its competitors. For the Banks industry, the median Net Margin % is 26.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Bank Victoria International Tbk's current Net Margin % is 17.48%, which is 13% above median its own 10-year median of 15.44. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank Victoria International Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Bank Victoria International Tbk (ISX:BVIC) is currently considered Modestly Undervalued. The stock's GF Value™ is Rp102.87, compared to a current price of Rp81.00 — trading 21.3% below its estimated fair value. The current Net Margin % is 17.48%, which is 13% above median its 10-year median of 15.44 and 34.9% below the Banks industry median of 26.87. PT Bank Victoria International Tbk's overall GF Score™ is 53/100 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 Victoria International Tbk (ISX:BVIC), the current Net Margin % is 17.48% 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 Victoria International Tbk (ISX:BVIC) Overvalued in 2026?
Based on GuruFocus' analysis, PT Bank Victoria International Tbk stock appears to be undervalued.
The current stock price of Rp81.00 is trading 21.3% below its estimated GF Value™ of Rp102.87.
GuruFocus considers PT Bank Victoria International Tbk to be Modestly Undervalued.
Key valuation signals for ISX:BVIC:
Net Margin %: 17.48% (13% above median its 10-year median of 15.44)
GF Value™: Rp102.87 vs. price of Rp81.00 (21.3% below fair value)
Industry Position: 34.9% below the Banks median (#1244 of 1525)
No single metric tells the full story. See the ISX:BVIC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT Bank Victoria International Tbk Business Description
PT Bank Victoria International Tbk is an Indonesian-based commercial banking firm. It provides general banking services like collecting deposits, granting loans and advances, clearing and collection services, RTGS, bill payment, investment products, and many others. The majority of the company's revenue is generated in the form of interest income. Geographically, it operates across different regions in Indonesia, such as Jadetabek, West Java, Central Java and East Java, and Non Java.
53GF Score
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