Banco BBVA PeruLIM:BBVAC1 +0.46%46 Net Margin % is 26.46% as of Dec. 2025, which is 12% below its 10-year median of 30.23. GuruFocus rates LIM:BBVAC1 with a GF Score™ of 46/100 and a GF Value™ of S/.1.31 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,528 Banks companies, Banco BBVA Peru ranks better than 57.13% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Banco BBVA Peru's Net Income for the
three
months ended in Dec. 2025 was S/.560 Mil. Banco BBVA Peru's Revenue for the
three
months ended in Dec. 2025 was S/.2,116 Mil. Therefore, Banco BBVA Peru's net margin for the quarter that ended in Dec. 2025 was 26.46%.
The historical rank and industry rank for Banco BBVA Peru's Net Margin % or its related term are showing as below:
LIM:BBVAC1'
s Net Margin % Range Over the Past 10 Years
Min: 13.48 Med: 30.23 Max: 32.17
Current: 28.81
LIM:BBVAC1's Net Margin % is ranked better than 57.13% of 1528
companies
in the Banks industry
Industry Median: 26.81
vs LIM:BBVAC1: 28.81
Banco BBVA Peru (LIM:BBVAC1) 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.
Banco BBVA Peru Net Margin % Related Terms
Banco BBVA Peru Net Margin % Historical Data
* Premium members only.
The historical data trend for Banco BBVA Peru'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.
For the Banks - Regional subindustry, Banco BBVA Peru'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.
Banco BBVA Peru Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Banco BBVA Peru's Net Margin % distribution charts can be found below:
* The bar in red indicates where Banco BBVA Peru'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.
Banco BBVA Peru (LIM:BBVAC1) has a Net Margin % of 26.46% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Banco BBVA Peru and its competitors. This is 12% below median its historical median of 30.23. Over the past decade, Banco BBVA Peru's Net Margin % has ranged from 13.48 to 32.17. According to the industry distribution chart, Banco BBVA Peru ranks #655 out of 1528 companies in the Banks industry, placing it in the top 42.9%.
Is Banco BBVA Peru's Net Margin % too high?
Banco BBVA Peru's current Net Margin % of 26.46% is 12% below median its 10-year median of 30.23. Over the past 10 years, this metric has ranged from a low of 13.48 to a high of 32.17. The Banks industry median Net Margin % is 26.81. Banco BBVA Peru's value of 26.46% is 1.3% below this industry median. Based on the distribution chart, Banco BBVA Peru ranks #655 out of 1528 companies in the Banks industry, which is above the industry midpoint. Overall, Banco BBVA Peru has a GF Score™ of 46/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banco BBVA Peru's Net Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Banco BBVA Peru ranks #655 out of 1528 companies for Net Margin %. This puts Banco BBVA Peru in the upper half of its industry. The industry median Net Margin % is 26.81. Banco BBVA Peru's value of 26.46% is 1.3% below this benchmark. Historically, Banco BBVA Peru's own Net Margin % has ranged from 13.48 to 32.17 over the past decade. While the company's 10-year median is 30.23 vs. the industry median of 26.81, Banco BBVA Peru 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 26.81, 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. Banco BBVA Peru's current Net Margin % of 26.46% is 1.3% 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 Banco BBVA Peru and its competitors. For the Banks industry, the median Net Margin % is 26.81 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Banco BBVA Peru's current Net Margin % is 26.46%, which is 12% below median its own 10-year median of 30.23. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banco BBVA Peru stock overvalued right now?
Based on GuruFocus' analysis, Banco BBVA Peru (LIM:BBVAC1) is currently considered Significantly Overvalued. The stock's GF Value™ is S/.1.31, compared to a current price of S/.1.96 — trading 49.8% above its estimated fair value. The current Net Margin % is 26.46%, which is 12% below median its 10-year median of 30.23 and 1.3% below the Banks industry median of 26.81. Banco BBVA Peru's overall GF Score™ is 46/100 with 6 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 Banco BBVA Peru (LIM:BBVAC1), the current Net Margin % is 26.46% as of Dec. 2025. 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 Banco BBVA Peru (LIM:BBVAC1) Overvalued in 2026?
Based on GuruFocus' analysis, Banco BBVA Peru stock appears to be overvalued.
The current stock price of S/.1.96 is trading 49.8% above its estimated GF Value™ of S/.1.31.
GuruFocus considers Banco BBVA Peru to be Significantly Overvalued.
Key valuation signals for LIM:BBVAC1:
Net Margin %: 26.46% (12% below median its 10-year median of 30.23)
GF Value™: S/.1.31 vs. price of S/.1.96 (49.8% above fair value)
Industry Position: 1.3% below the Banks median (#655 of 1528)
No single metric tells the full story. See the LIM:BBVAC1 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Banco BBVA Peru is a Peru based company engages in providing banking products and services. Its products and services include saving and current accounts, fixed-term deposits, consumer and commercial loans, mortgages, as well as debit and credit cards, among others. The Bank offers its services both to individual and business customers. The company operates in Wholesale Loans, Small and Micro-Business Loans, Consumer Loans, and Mortgage Loans segments.
46GF Score
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