Bank MillenniumLTS:0DRH 64 Net Margin % is 17.66% as of Mar. 2026, which is 34% above its 10-year median of 13.16. GuruFocus rates LTS:0DRH with a GF Score™ of 64/100 and a GF Value™ of zł4.54. The stock has 6 warning signs investors should review. Among 1,527 Banks companies, Bank Millennium ranks worse than 74.46% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Bank Millennium's Net Income for the
three
months ended in Mar. 2026 was zł301 Mil. Bank Millennium's Revenue for the
three
months ended in Mar. 2026 was zł1,704 Mil. Therefore, Bank Millennium's net margin for the quarter that ended in Mar. 2026 was 17.66%.
The historical rank and industry rank for Bank Millennium's Net Margin % or its related term are showing as below:
LTS:0DRH'
s Net Margin % Range Over the Past 10 Years
Min: -34.91 Med: 13.16 Max: 27.78
Current: 18.3
LTS:0DRH's Net Margin % is ranked worse than 74.46% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs LTS:0DRH: 18.30
Bank Millennium (LTS:0DRH) 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.
Bank Millennium Net Margin % Related Terms
Bank Millennium Net Margin % Historical Data
* Premium members only.
The historical data trend for Bank Millennium'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, Bank Millennium'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.
Bank Millennium Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Bank Millennium's Net Margin % distribution charts can be found below:
* The bar in red indicates where Bank Millennium'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.
Bank Millennium (LTS:0DRH) has a Net Margin % of 17.66% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Bank Millennium and its competitors. This is 34% above median its historical median of 13.16. According to the industry distribution chart, Bank Millennium ranks #1137 out of 1527 companies in the Banks industry, placing it in the top 74.5%.
Is Bank Millennium's Net Margin % too high?
Bank Millennium's current Net Margin % of 17.66% is 34% above median its 10-year median of 13.16. The Banks industry median Net Margin % is 26.95. Bank Millennium's value of 17.66% is 34.5% below this industry median. Based on the distribution chart, Bank Millennium ranks #1137 out of 1527 companies in the Banks industry, which is below the industry midpoint. Overall, Bank Millennium has a GF Score™ of 64/100, reflecting its overall financial health beyond just this single metric.
How does Bank Millennium's Net Margin % compare to PNC?
According to the Banks industry distribution chart, Bank Millennium ranks #1137 out of 1527 companies for Net Margin %. This places Bank Millennium in the lower half of its industry. The industry median Net Margin % is 26.95. Bank Millennium's value of 17.66% is 34.5% below this benchmark. While the company's 10-year median is 13.16 vs. the industry median of 26.95, Bank Millennium 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 26.95, 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. Bank Millennium's current Net Margin % of 17.66% is 34.5% 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 Bank Millennium and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank Millennium's current Net Margin % is 17.66%, which is 34% above median its own 10-year median of 13.16. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank Millennium stock overvalued right now?
Bank Millennium (LTS:0DRH) has a current Net Margin % of 17.66%. The stock's GF Value™ is zł4.54, compared to a current price of zł8.89 — trading 95.8% above its estimated fair value. The current Net Margin % is 17.66%, which is 34% above median its 10-year median of 13.16 and 34.5% below the Banks industry median of 26.95. Bank Millennium's overall GF Score™ is 64/100 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 Bank Millennium (LTS:0DRH), the current Net Margin % is 17.66% 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 Bank Millennium (LTS:0DRH) Overvalued in 2026?
Based on GuruFocus' analysis, Bank Millennium stock appears to be overvalued.
The current stock price of zł8.89 is trading 95.8% above its estimated GF Value™ of zł4.54.
Key valuation signals for LTS:0DRH:
Net Margin %: 17.66% (34% above median its 10-year median of 13.16)
GF Value™: zł4.54 vs. price of zł8.89 (95.8% above fair value)
Industry Position: 34.5% below the Banks median (#1137 of 1527)
No single metric tells the full story. See the LTS:0DRH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bank Millennium SA is a commercial bank group operating in Poland. The bank's operating segments include retail, corporate, FX mortgage loans, treasury operations, assets/liabilities management and other segment. The company derives the majority of its revenue from the retail segment which comprises the banking products and services provided to individual customers on the mass market, affluent customers, sole traders as well as services to small companies.
64GF Score
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