Bankint Petersburg PJSCMIC:BSPB +1.32%21 Net Margin % is 45.90% as of Mar. 2026, which is 78% above its 10-year median of 25.84. GuruFocus rates MIC:BSPB with a GF Score™ of 21/100 and a GF Value™ of ₽389.38 (Possible Value Trap). The stock has 4 warning signs investors should review. Among 1,530 Banks companies, Bankint Petersburg PJSC ranks better than 72.88% on this metric.
The historical rank and industry rank for Bankint Petersburg PJSC's Net Margin % or its related term are showing as below:
MIC:BSPB'
s Net Margin % Range Over the Past 10 Years
Min: 12.92 Med: 25.84 Max: 62.64
Current: 33.97
MIC:BSPB's Net Margin % is ranked better than 72.88% of 1530
companies
in the Banks industry
Industry Median: 26.845
vs MIC:BSPB: 33.97
Bankint Petersburg PJSC (MIC:BSPB) 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.
Bankint Petersburg PJSC Net Margin % Related Terms
Bankint Petersburg PJSC Net Margin % Historical Data
* 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, Bankint Petersburg PJSC'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.
Bankint Petersburg PJSC Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Bankint Petersburg PJSC's Net Margin % distribution charts can be found below:
* The bar in red indicates where Bankint Petersburg PJSC'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.
Bankint Petersburg PJSC (MIC:BSPB) has a Net Margin % of 45.90% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Bankint Petersburg PJSC and its competitors. This is 78% above median its historical median of 25.84. Over the past decade, Bankint Petersburg PJSC's Net Margin % has ranged from 12.92 to 62.64. According to the industry distribution chart, Bankint Petersburg PJSC ranks #415 out of 1530 companies in the Banks industry, placing it in the top 27.1%.
Is Bankint Petersburg PJSC's Net Margin % too high?
Bankint Petersburg PJSC's current Net Margin % of 45.90% is 78% above median its 10-year median of 25.84. Over the past 10 years, this metric has ranged from a low of 12.92 to a high of 62.64. The Banks industry median Net Margin % is 26.85. Bankint Petersburg PJSC's value of 45.90% is 71% above this industry median. Based on the distribution chart, Bankint Petersburg PJSC ranks #415 out of 1530 companies in the Banks industry, which is above the industry midpoint. Overall, Bankint Petersburg PJSC has a GF Score™ of 21/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Bankint Petersburg PJSC's Net Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Bankint Petersburg PJSC ranks #415 out of 1530 companies for Net Margin %. This puts Bankint Petersburg PJSC in the upper half of its industry. The industry median Net Margin % is 26.85. Bankint Petersburg PJSC's value of 45.90% is 71% above this benchmark. Historically, Bankint Petersburg PJSC's own Net Margin % has ranged from 12.92 to 62.64 over the past decade. While the company's 10-year median is 25.84 vs. the industry median of 26.85, Bankint Petersburg PJSC 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. Bankint Petersburg PJSC's current Net Margin % of 45.90% is 71% 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 Bankint Petersburg PJSC 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. Bankint Petersburg PJSC's current Net Margin % is 45.90%, which is 78% above median its own 10-year median of 25.84. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bankint Petersburg PJSC stock overvalued right now?
Based on GuruFocus' analysis, Bankint Petersburg PJSC (MIC:BSPB) is currently considered Possible Value Trap. The stock's GF Value™ is ₽389.38, compared to a current price of ₽255.33 — trading 34.4% below its estimated fair value. The current Net Margin % is 45.90%, which is 78% above median its 10-year median of 25.84 and 71% above the Banks industry median of 26.85. Bankint Petersburg PJSC's overall GF Score™ is 21/100 with 4 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 Bankint Petersburg PJSC (MIC:BSPB), the current Net Margin % is 45.90% 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 Bankint Petersburg PJSC (MIC:BSPB) Overvalued in 2026?
Based on GuruFocus' analysis, Bankint Petersburg PJSC stock appears to be undervalued.
The current stock price of ₽255.33 is trading 34.4% below its estimated GF Value™ of ₽389.38.
GuruFocus considers Bankint Petersburg PJSC to be Possible Value Trap.
Key valuation signals for MIC:BSPB:
Net Margin %: 45.90% (78% above median its 10-year median of 25.84)
GF Value™: ₽389.38 vs. price of ₽255.33 (34.4% below fair value)
Industry Position: 71% above the Banks median (#415 of 1530)
No single metric tells the full story. See the MIC:BSPB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bank Saint Petersburg PJSC is a Russian privately-owned commercial bank. The Bank operates in three segments: Corporate Banking; Operation on Financial Markets, and Retail Banking. The Corporate banking segment offers settlement and current accounts, deposits, credit lines, loans, foreign currency transactions with commercial and state entities. The Operation on Financial Markets segment consists of financial instruments trading, loans, and deposits on the interbank market, dealing in foreign exchange and derivative financial instruments. The Retail banking segment private baing services, customer current accounts, retail investment products, card services, mortgages, and other loan services. The Corporate banking segment generates nearly half of the company's revenue.
21GF Score
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