HSBC Bank MaltaMAL:HSB -0.70%53 Net Margin % is 33.94% as of Dec. 2025, which is 105% above its 10-year median of 16.59. GuruFocus rates MAL:HSB with a GF Score™ of 53/100 and a GF Value™ of €1.31 (Fairly Valued). The stock has 6 warning signs investors should review. Among 1,530 Banks companies, HSBC Bank Malta ranks better than 68.43% on this metric.
The historical rank and industry rank for HSBC Bank Malta's Net Margin % or its related term are showing as below:
MAL:HSB'
s Net Margin % Range Over the Past 10 Years
Min: 4.35 Med: 16.59 Max: 36.59
Current: 32.28
MAL:HSB's Net Margin % is ranked better than 68.43% of 1530
companies
in the Banks industry
Industry Median: 26.845
vs MAL:HSB: 32.28
HSBC Bank Malta (MAL:HSB) 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.
HSBC Bank Malta Net Margin % Related Terms
HSBC Bank Malta Net Margin % Historical Data
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The historical data trend for HSBC Bank Malta'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, HSBC Bank Malta'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.
HSBC Bank Malta Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, HSBC Bank Malta's Net Margin % distribution charts can be found below:
* The bar in red indicates where HSBC Bank Malta'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.
HSBC Bank Malta (MAL:HSB) has a Net Margin % of 33.94% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on HSBC Bank Malta and its competitors. This is 105% above median its historical median of 16.59. Over the past decade, HSBC Bank Malta's Net Margin % has ranged from 4.35 to 36.59. According to the industry distribution chart, HSBC Bank Malta ranks #483 out of 1530 companies in the Banks industry, placing it in the top 31.6%.
Is HSBC Bank Malta's Net Margin % too high?
HSBC Bank Malta's current Net Margin % of 33.94% is 105% above median its 10-year median of 16.59. Over the past 10 years, this metric has ranged from a low of 4.35 to a high of 36.59. The Banks industry median Net Margin % is 26.85. HSBC Bank Malta's value of 33.94% is 26.4% above this industry median. Based on the distribution chart, HSBC Bank Malta ranks #483 out of 1530 companies in the Banks industry, which is above the industry midpoint. Overall, HSBC Bank Malta has a GF Score™ of 53/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does HSBC Bank Malta's Net Margin % compare to PNC and USB?
According to the Banks industry distribution chart, HSBC Bank Malta ranks #483 out of 1530 companies for Net Margin %. This puts HSBC Bank Malta in the upper half of its industry. The industry median Net Margin % is 26.85. HSBC Bank Malta's value of 33.94% is 26.4% above this benchmark. Historically, HSBC Bank Malta's own Net Margin % has ranged from 4.35 to 36.59 over the past decade. While the company's 10-year median is 16.59 vs. the industry median of 26.85, HSBC Bank Malta 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 26.85, 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. HSBC Bank Malta's current Net Margin % of 33.94% is 26.4% 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 HSBC Bank Malta 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. HSBC Bank Malta's current Net Margin % is 33.94%, which is 105% above median its own 10-year median of 16.59. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is HSBC Bank Malta stock overvalued right now?
Based on GuruFocus' analysis, HSBC Bank Malta (MAL:HSB) is currently considered Fairly Valued. The stock's GF Value™ is €1.31, compared to a current price of €1.42 — trading 8.4% above its estimated fair value. The current Net Margin % is 33.94%, which is 105% above median its 10-year median of 16.59 and 26.4% above the Banks industry median of 26.85. HSBC Bank Malta's overall GF Score™ is 53/100 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 HSBC Bank Malta (MAL:HSB), the current Net Margin % is 33.94% 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 HSBC Bank Malta (MAL:HSB) Overvalued in 2026?
Based on GuruFocus' analysis, HSBC Bank Malta stock appears to be overvalued.
The current stock price of €1.42 is trading 8.4% above its estimated GF Value™ of €1.31.
GuruFocus considers HSBC Bank Malta to be Fairly Valued.
Key valuation signals for MAL:HSB:
Net Margin %: 33.94% (105% above median its 10-year median of 16.59)
GF Value™: €1.31 vs. price of €1.42 (8.4% above fair value)
Industry Position: 26.4% above the Banks median (#483 of 1530)
No single metric tells the full story. See the MAL:HSB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
HSBC Bank Malta PLC is a member of the HSBC Group. The Bank provides a comprehensive range of financial services designed to meet the expanding requirements of its large client base of personal and corporate customers. The company's operating segments include Wealth and Personal Banking, Commercial Banking, and Global Markets. It derives maximum revenue from the Wealth and Personal Banking segment, which caters to individual customers, offering personal banking products (current and savings accounts, mortgages and personal loans, credit cards, debit cards, etc.) and wealth management services (insurance and investment products, asset management services, and financial planning services).
53GF Score
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