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Scotiabank PeruA (LIM:SCOTIAC1) 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.
Scotiabank PeruA Net Margin % Related Terms
Scotiabank PeruA Net Margin % Historical Data
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The historical data trend for Scotiabank PeruA'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, Scotiabank PeruA'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.
Scotiabank PeruA Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Scotiabank PeruA's Net Margin % distribution charts can be found below:
* The bar in red indicates where Scotiabank PeruA'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.
Scotiabank PeruA (LIM:SCOTIAC1) has a Net Margin % of 0.00% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Scotiabank PeruA and its competitors. Over the past decade, Scotiabank PeruA's Net Margin % has ranged from 5.09 to 31.75. According to the industry distribution chart, Scotiabank PeruA ranks #1118 out of 1526 companies in the Banks industry, placing it in the top 73.3%.
Is Scotiabank PeruA's Net Margin % too high?
Scotiabank PeruA's current Net Margin % is 0.00%. Over the past 10 years, this metric has ranged from a low of 5.09 to a high of 31.75. Based on the distribution chart, Scotiabank PeruA ranks #1118 out of 1526 companies in the Banks industry, which is below the industry midpoint. Overall, Scotiabank PeruA has a GF Score™ of 36/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Scotiabank PeruA's Net Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Scotiabank PeruA ranks #1118 out of 1526 companies for Net Margin %. This places Scotiabank PeruA in the lower half of its industry. The industry median Net Margin % is 27.10. Historically, Scotiabank PeruA's own Net Margin % has ranged from 5.09 to 31.75 over the past decade. 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 27.10, based on 1,526 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. 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 Scotiabank PeruA and its competitors. For the Banks industry, the median Net Margin % is 27.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Scotiabank PeruA's current Net Margin % is 0.00%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Scotiabank PeruA stock overvalued right now?
Based on GuruFocus' analysis, Scotiabank PeruA (LIM:SCOTIAC1) is currently considered Significantly Overvalued. The stock's GF Value™ is S/.11.49, compared to a current price of S/.19.80 — trading 72.3% above its estimated fair value. The current Net Margin % is 0.00%. Scotiabank PeruA's overall GF Score™ is 36/100 with 5 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 Scotiabank PeruA (LIM:SCOTIAC1), the current Net Margin % is 0.00% 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 Scotiabank PeruA (LIM:SCOTIAC1) Overvalued in 2026?
Based on GuruFocus' analysis, Scotiabank PeruA stock appears to be overvalued.
The current stock price of S/.19.80 is trading 72.3% above its estimated GF Value™ of S/.11.49.
GuruFocus considers Scotiabank PeruA to be Significantly Overvalued.
Key valuation signals for LIM:SCOTIAC1:
Net Margin %: 0.00%
GF Value™: S/.11.49 vs. price of S/.19.80 (72.3% above fair value)
No single metric tells the full story. See the LIM:SCOTIAC1 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Scotiabank Peru SAA is a commercial bank and a subsidiary of the Bank of Nova Scotia (Scotiabank Group), operating in Peru. It serves individual, SME, corporate, and retail clients, offering products such as savings and current accounts, credit and debit cards, personal and vehicle loans, mortgage loans, and various insurance services. The bank also provides corporate banking, trade finance, leasing, e-banking, and foreign exchange services. Scotiabank Peru operates nationwide through branches and ATMs, with its headquarters in Lima. It focuses on retail, commercial, and corporate banking sectors in the Peruvian market.
36GF Score
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