Erste Bank PolskaLTS:0DVR 79 Net Margin % is 25.75% as of Mar. 2026, which is 10% below its 10-year median of 28.67. GuruFocus rates LTS:0DVR with a GF Score™ of 79/100 and a GF Value™ of zł316.57. The stock has 9 warning signs investors should review. Among 1,527 Banks companies, Erste Bank Polska ranks better than 77.08% on this metric.
The historical rank and industry rank for Erste Bank Polska's Net Margin % or its related term are showing as below:
LTS:0DVR'
s Net Margin % Range Over the Past 10 Years
Min: 12.09 Med: 28.67 Max: 40.57
Current: 35.97
LTS:0DVR's Net Margin % is ranked better than 77.08% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs LTS:0DVR: 35.97
Erste Bank Polska (LTS:0DVR) 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.
Erste Bank Polska Net Margin % Related Terms
Erste Bank Polska Net Margin % Historical Data
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The historical data trend for Erste Bank Polska'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, Erste Bank Polska'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.
Erste Bank Polska Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Erste Bank Polska's Net Margin % distribution charts can be found below:
* The bar in red indicates where Erste Bank Polska'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.
Erste Bank Polska (LTS:0DVR) has a Net Margin % of 25.75% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Erste Bank Polska and its competitors. This is 10% below median its historical median of 28.67. Over the past decade, Erste Bank Polska's Net Margin % has ranged from 12.09 to 40.57. According to the industry distribution chart, Erste Bank Polska ranks #350 out of 1527 companies in the Banks industry, placing it in the top 22.9%.
Is Erste Bank Polska's Net Margin % too high?
Erste Bank Polska's current Net Margin % of 25.75% is 10% below median its 10-year median of 28.67. Over the past 10 years, this metric has ranged from a low of 12.09 to a high of 40.57. The Banks industry median Net Margin % is 26.95. Erste Bank Polska's value of 25.75% is 4.5% below this industry median. Based on the distribution chart, Erste Bank Polska ranks #350 out of 1527 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Erste Bank Polska has a GF Score™ of 79/100, reflecting its overall financial health beyond just this single metric.
How does Erste Bank Polska's Net Margin % compare to PNC?
According to the Banks industry distribution chart, Erste Bank Polska ranks #350 out of 1527 companies for Net Margin %. This places Erste Bank Polska in the top 23% of its industry — outperforming the majority of peers. The industry median Net Margin % is 26.95. Erste Bank Polska's value of 25.75% is 4.5% below this benchmark. Historically, Erste Bank Polska's own Net Margin % has ranged from 12.09 to 40.57 over the past decade. While the company's 10-year median is 28.67 vs. the industry median of 26.95, Erste Bank Polska 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. Erste Bank Polska's current Net Margin % of 25.75% is 4.5% 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 Erste Bank Polska 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. Erste Bank Polska's current Net Margin % is 25.75%, which is 10% below median its own 10-year median of 28.67. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Erste Bank Polska stock overvalued right now?
Erste Bank Polska (LTS:0DVR) has a current Net Margin % of 25.75%. The stock's GF Value™ is zł316.57, compared to a current price of zł395.55 — trading 24.9% above its estimated fair value. The current Net Margin % is 25.75%, which is 10% below median its 10-year median of 28.67 and 4.5% below the Banks industry median of 26.95. Erste Bank Polska's overall GF Score™ is 79/100 with 9 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 Erste Bank Polska (LTS:0DVR), the current Net Margin % is 25.75% 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 Erste Bank Polska (LTS:0DVR) Overvalued in 2026?
Based on GuruFocus' analysis, Erste Bank Polska stock appears to be overvalued.
The current stock price of zł395.55 is trading 24.9% above its estimated GF Value™ of zł316.57.
Key valuation signals for LTS:0DVR:
Net Margin %: 25.75% (10% below median its 10-year median of 28.67)
GF Value™: zł316.57 vs. price of zł395.55 (24.9% above fair value)
Industry Position: 4.5% below the Banks median (#350 of 1527)
No single metric tells the full story. See the LTS:0DVR stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Erste Bank Polska SA is a commercial bank. It provides financial products and services such as Personal accounts, Payment cards, Loans, Savings and investments, and products for overseas customers.
79GF Score
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