PBNNF'
s Net Margin % Range Over the Past 10 Years
Min: 6.5 Med: 31.88 Max: 38.09
Current: 34.17
PBNNF's Net Margin % is ranked better than 73.2% of 1526
companies
in the Banks industry
Industry Median: 26.97
vs PBNNF: 34.17
PT Bank Negara Indonesia (Persero) Tbk (OTCPK:PBNNF) 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.
PT Bank Negara Indonesia (Persero) Tbk Net Margin % Related Terms
PT Bank Negara Indonesia (Persero) Tbk 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.
PT Bank Negara Indonesia (Persero) Tbk Net Margin % Chart
PT Bank Negara Indonesia (Persero) Tbk Annual Data
PT Bank Negara Indonesia (Persero) Tbk Net Margin % Competitor Comparison
For the Banks - Regional subindustry, PT Bank Negara Indonesia (Persero) Tbk'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.
PT Bank Negara Indonesia (Persero) Tbk Net Margin % vs Banks Industry
* 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.
PT Bank Negara Indonesia (Persero) Tbk (PBNNF) has a Net Margin % of 37.37% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on PT Bank Negara Indonesia (Persero) Tbk and its competitors. This is 17% above median its historical median of 31.88. Over the past decade, PT Bank Negara Indonesia (Persero) Tbk's Net Margin % has ranged from 6.50 to 38.09. According to the industry distribution chart, PT Bank Negara Indonesia (Persero) Tbk ranks #409 out of 1526 companies in the Banks industry, placing it in the top 26.8%.
Is PT Bank Negara Indonesia (Persero) Tbk's Net Margin % too high?
PT Bank Negara Indonesia (Persero) Tbk's current Net Margin % of 37.37% is 17% above median its 10-year median of 31.88. Over the past 10 years, this metric has ranged from a low of 6.50 to a high of 38.09. The Banks industry median Net Margin % is 26.97. PT Bank Negara Indonesia (Persero) Tbk's value of 37.37% is 38.6% above this industry median. Based on the distribution chart, PT Bank Negara Indonesia (Persero) Tbk ranks #409 out of 1526 companies in the Banks industry, which is above the industry midpoint. Overall, PT Bank Negara Indonesia (Persero) Tbk has a GF Score™ of 80/100, reflecting its overall financial health beyond just this single metric.
How does PT Bank Negara Indonesia (Persero) Tbk's Net Margin % compare to competitors?
According to the Banks industry distribution chart, PT Bank Negara Indonesia (Persero) Tbk ranks #409 out of 1526 companies for Net Margin %. This puts PT Bank Negara Indonesia (Persero) Tbk in the upper half of its industry. The industry median Net Margin % is 26.97. PT Bank Negara Indonesia (Persero) Tbk's value of 37.37% is 38.6% above this benchmark. Historically, PT Bank Negara Indonesia (Persero) Tbk's own Net Margin % has ranged from 6.50 to 38.09 over the past decade. While the company's 10-year median is 31.88 vs. the industry median of 26.97, PT Bank Negara Indonesia (Persero) Tbk 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 26.97, based on 1,526 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. PT Bank Negara Indonesia (Persero) Tbk's current Net Margin % of 37.37% is 38.6% 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 PT Bank Negara Indonesia (Persero) Tbk and its competitors. For the Banks industry, the median Net Margin % is 26.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Bank Negara Indonesia (Persero) Tbk's current Net Margin % is 37.37%, which is 17% above median its own 10-year median of 31.88. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank Negara Indonesia (Persero) Tbk stock overvalued right now?
PT Bank Negara Indonesia (Persero) Tbk (PBNNF) has a current Net Margin % of 37.37%. The stock's GF Value™ is $0.28, compared to a current price of $0.20 — trading 27.8% below its estimated fair value. The current Net Margin % is 37.37%, which is 17% above median its 10-year median of 31.88 and 38.6% above the Banks industry median of 26.97. PT Bank Negara Indonesia (Persero) Tbk's overall GF Score™ is 80/100 with 3 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 PT Bank Negara Indonesia (Persero) Tbk (PBNNF), the current Net Margin % is 37.37% 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 PT Bank Negara Indonesia (Persero) Tbk (PBNNF) Overvalued in 2026?
Based on GuruFocus' analysis, PT Bank Negara Indonesia (Persero) Tbk stock appears to be undervalued.
The current stock price of $0.20 is trading 27.8% below its estimated GF Value™ of $0.28.
Key valuation signals for PBNNF:
Net Margin %: 37.37% (17% above median its 10-year median of 31.88)
GF Value™: $0.28 vs. price of $0.20 (27.8% below fair value)
Industry Position: 38.6% above the Banks median (#409 of 1526)
No single metric tells the full story. See the PBNNF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT Bank Negara Indonesia (Persero) Tbk Business Description
PT Bank Negara Indonesia (Persero) Tbk is an Indonesian state-owned bank, with the government holding just over half of the bank's outstanding shares. Its main banking activities include deposit-taking, providing credit, issuing debt instruments, money transfer services, secondary market services, wholesale banking, custody banking, capital investment, and other services. Its segments include Wholesale & International Banking, Institutional Banking, Enterprises & Commercial Banking, Retail Banking and Treasury. The company generates the majority of its revenue from the Wholesale & International Banking segment which includes loans, customer deposits, and other transactions belonging to corporate customers, both BUMN and private business entities.
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