Banco Pichincha (LIM:BPICHC1) Net Margin %: 7.14% (As of Mar. 2026) — 10100% Above Median


What is Banco Pichincha Net Margin %?

Banco Pichincha LIM:BPICHC1 Net Margin % is 7.14% as of Mar. 2026, which is 10100% above its 10-year median of 0.07. The stock has 2 warning signs investors should review.

Net margin is calculated as Net Income divided by its Revenue. Banco Pichincha's Net Income for the three months ended in Mar. 2026 was S/.11.1 Mil. Banco Pichincha's Revenue for the three months ended in Mar. 2026 was S/.155.3 Mil. Therefore, Banco Pichincha's net margin for the quarter that ended in Mar. 2026 was 7.14%.

The historical rank and industry rank for Banco Pichincha's Net Margin % or its related term are showing as below:

LIM:BPICHC1' s Net Margin % Range Over the Past 10 Years
Min: -13.61   Med: 0.07   Max: 7.67
Current: 7.29

LIM:BPICHC1's Net Margin % is not ranked
in the Banks industry.
Industry Median: 26.845 vs LIM:BPICHC1: 7.29

Banco Pichincha  (LIM:BPICHC1) 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 Pichincha Net Margin % Related Terms

Banco Pichincha Net Margin % Historical Data

* Premium members only.

The historical data trend for Banco Pichincha'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.

Banco Pichincha Net Margin % Chart

Banco Pichincha Annual Data
Trend Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Margin %
Get a 7-Day Free Trial -13.61 0.61 0.07 -7.65 7.37

Banco Pichincha Quarterly Data
Dec20 Dec21 Dec22 Dec23 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Net Margin % Get a 7-Day Free Trial Premium Member Only Premium Member Only 7.48 6.35 -0.74 7.74 7.14

LIM:BPICHC1 vs LFGP: Net Margin % Comparison

For the Banks - Regional subindustry, Banco Pichincha'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 Pichincha Net Margin % vs Banks Industry

For the Banks industry and Financial Services sector, Banco Pichincha's Net Margin % distribution charts can be found below:

* The bar in red indicates where Banco Pichincha's Net Margin % falls into.


Banco Pichincha Net Margin % Calculation

Net margin - also known as net profit margin is the ratio of Net Income divided by net sales or Revenue, usually presented in percent.

Banco Pichincha's Net Margin for the fiscal year that ended in Dec. 2025 is calculated as

Net Margin=Net Income (A: Dec. 2025 )/Revenue (A: Dec. 2025 )
=55.059/747.012
=7.37 %

Banco Pichincha's Net Margin for the quarter that ended in Mar. 2026 is calculated as

Net Margin=Net Income (Q: Mar. 2026 )/Revenue (Q: Mar. 2026 )
=11.08/155.279
=7.14 %

* 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.

Frequently Asked Questions Learn more about Net Margin % →
What does a Net Margin % of 7.14% mean?
Banco Pichincha (LIM:BPICHC1) has a Net Margin % of 7.14% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Banco Pichincha and its competitors. This is 10100% above median its historical median of 0.07.
Is Banco Pichincha's Net Margin % too high?
Banco Pichincha's current Net Margin % of 7.14% is 10100% above median its 10-year median of 0.07. The Banks industry median Net Margin % is 26.85. Banco Pichincha's value of 7.14% is 73.4% below this industry median.
How does Banco Pichincha's Net Margin % compare to LFGP?
Banco Pichincha's Net Margin % of 7.14% can be compared against companies in the Banks industry. The industry median Net Margin % is 26.85. Banco Pichincha's value of 7.14% is 73.4% below this benchmark. While the company's 10-year median is 0.07 vs. the industry median of 26.85, Banco Pichincha 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 26.85, based on 1,530 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 Pichincha's current Net Margin % of 7.14% is 73.4% 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 Pichincha 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. Banco Pichincha's current Net Margin % is 7.14%, which is 10100% above median its own 10-year median of 0.07. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banco Pichincha stock overvalued right now?
Banco Pichincha (LIM:BPICHC1) has a current Net Margin % of 7.14%. The current Net Margin % is 7.14%, which is 10100% above median its 10-year median of 0.07 and 73.4% below the Banks industry median of 26.85. 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 Pichincha (LIM:BPICHC1), the current Net Margin % is 7.14% 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.

Banco Pichincha Business Description

Address Av. Ricardo Palma No. 278, Miraflores, Lima, PER
Banco Pichincha provides banking services. Its products and services include savings and deposits, credit and debit cards, consumer and commercial loans, mortgages, cash management, and insurance-related services among others.