Nordea Bank Polska (LTS:0LRW) Net Margin %: 30.15% (As of Sep. 2014) — 49% Above Median


What is Nordea Bank Polska Net Margin %?

Nordea Bank Polska LTS:0LRW Net Margin % is 30.15% as of Sep. 2014, which is 49% above its 10-year median of 20.18. The stock has 7 warning signs investors should review.

Net margin is calculated as Net Income divided by its Revenue. Nordea Bank Polska's Net Income for the three months ended in Sep. 2014 was £11.64 Mil. Nordea Bank Polska's Revenue for the three months ended in Sep. 2014 was £38.59 Mil. Therefore, Nordea Bank Polska's net margin for the quarter that ended in Sep. 2014 was 30.15%.

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

LTS:0LRW' s Net Margin % Range Over the Past 10 Years
Min: -13.6   Med: 20.18   Max: 41.11
Current: 17.16

LTS:0LRW's Net Margin % is not ranked
in the Banks industry.
Industry Median: 26.95 vs LTS:0LRW: 17.16

Nordea Bank Polska  (LTS:0LRW) 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.

Nordea Bank Polska Net Margin % Related Terms

Nordea Bank Polska Net Margin % Historical Data

* Premium members only.

The historical data trend for Nordea 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.

Nordea Bank Polska Net Margin % Chart

Nordea Bank Polska Annual Data
Trend Dec04 Dec05 Dec06 Dec07 Dec08 Dec09 Dec10 Dec11 Dec12 Dec13
Net Margin %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 24.47 32.88 30.14 21.90 9.43

Nordea Bank Polska Quarterly Data
Dec09 Mar10 Jun10 Sep10 Dec10 Mar11 Jun11 Sep11 Dec11 Mar12 Jun12 Sep12 Dec12 Mar13 Jun13 Sep13 Dec13 Mar14 Jun14 Sep14
Net Margin % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 16.14 10.27 0.59 23.27 30.15

LTS:0LRW vs BMTC, CTBI, FBAK: Net Margin % Comparison

For the Banks - Regional subindustry, Nordea 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.

Nordea Bank Polska Net Margin % vs Banks Industry

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

* The bar in red indicates where Nordea Bank Polska's Net Margin % falls into.


Nordea Bank Polska 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.

Nordea Bank Polska's Net Margin for the fiscal year that ended in Dec. 2013 is calculated as

Net Margin=Net Income (A: Dec. 2013 )/Revenue (A: Dec. 2013 )
=12.012/127.335
=9.43 %

Nordea Bank Polska's Net Margin for the quarter that ended in Sep. 2014 is calculated as

Net Margin=Net Income (Q: Sep. 2014 )/Revenue (Q: Sep. 2014 )
=11.637/38.592
=30.15 %

* 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 30.15% mean?
Nordea Bank Polska (LTS:0LRW) has a Net Margin % of 30.15% as of Sep. 2014. Net margin is the ratio of total net income to net sales. View historical data on Nordea Bank Polska and its competitors. This is 49% above median its historical median of 20.18.
Is Nordea Bank Polska's Net Margin % too high?
Nordea Bank Polska's current Net Margin % of 30.15% is 49% above median its 10-year median of 20.18. The Banks industry median Net Margin % is 26.95. Nordea Bank Polska's value of 30.15% is 11.9% above this industry median.
How does Nordea Bank Polska's Net Margin % compare to BMTC and CTBI?
Nordea Bank Polska's Net Margin % of 30.15% can be compared against companies in the Banks industry. The industry median Net Margin % is 26.95. Nordea Bank Polska's value of 30.15% is 11.9% above this benchmark. While the company's 10-year median is 20.18 vs. the industry median of 26.95, Nordea Bank Polska has consistently been above 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. Nordea Bank Polska's current Net Margin % of 30.15% is 11.9% above 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 Nordea 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. Nordea Bank Polska's current Net Margin % is 30.15%, which is 49% above median its own 10-year median of 20.18. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Nordea Bank Polska stock overvalued right now?
Nordea Bank Polska (LTS:0LRW) has a current Net Margin % of 30.15%. The current Net Margin % is 30.15%, which is 49% above median its 10-year median of 20.18 and 11.9% above the Banks industry median of 26.95. 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 Nordea Bank Polska (LTS:0LRW), the current Net Margin % is 30.15% as of Sep. 2014. 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.

Nordea Bank Polska Business Description

Nordea Bank Polska S.A. is engaged in banking and financial services via Internet, telephone, SMS, and the branch network. Its services include Nordea account, the account eFirma and eFirma and low-interest loans and deposits.