Raiffeisen Bank Aval JSCPFTS:BAVL Net Margin % is 22.78% as of Mar. 2026, which is 48% below its 10-year median of 43.94. The stock has 3 warning signs investors should review. Among 1,527 Banks companies, Raiffeisen Bank Aval JSC ranks better than 86.12% on this metric.
The historical rank and industry rank for Raiffeisen Bank Aval JSC's Net Margin % or its related term are showing as below:
PFTS:BAVL'
s Net Margin % Range Over the Past 10 Years
Min: 9.16 Med: 43.94 Max: 63.29
Current: 40.83
PFTS:BAVL's Net Margin % is ranked better than 86.12% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs PFTS:BAVL: 40.83
Raiffeisen Bank Aval JSC (PFTS:BAVL) 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.
Raiffeisen Bank Aval JSC Net Margin % Related Terms
Raiffeisen Bank Aval JSC 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, Raiffeisen Bank Aval JSC'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.
Raiffeisen Bank Aval JSC Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Raiffeisen Bank Aval JSC's Net Margin % distribution charts can be found below:
* The bar in red indicates where Raiffeisen Bank Aval JSC'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.
Raiffeisen Bank Aval JSC (PFTS:BAVL) has a Net Margin % of 22.78% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Raiffeisen Bank Aval JSC and its competitors. This is 48% below median its historical median of 43.94. Over the past decade, Raiffeisen Bank Aval JSC's Net Margin % has ranged from 9.16 to 63.29. According to the industry distribution chart, Raiffeisen Bank Aval JSC ranks #212 out of 1527 companies in the Banks industry, placing it in the top 13.9%.
Is Raiffeisen Bank Aval JSC's Net Margin % too high?
Raiffeisen Bank Aval JSC's current Net Margin % of 22.78% is 48% below median its 10-year median of 43.94. Over the past 10 years, this metric has ranged from a low of 9.16 to a high of 63.29. The Banks industry median Net Margin % is 26.95. Raiffeisen Bank Aval JSC's value of 22.78% is 15.5% below this industry median. Based on the distribution chart, Raiffeisen Bank Aval JSC ranks #212 out of 1527 companies in the Banks industry, which is in the top quartile — a strong position relative to peers.
How does Raiffeisen Bank Aval JSC's Net Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Raiffeisen Bank Aval JSC ranks #212 out of 1527 companies for Net Margin %. This places Raiffeisen Bank Aval JSC in the top 14% of its industry — outperforming the majority of peers. The industry median Net Margin % is 26.95. Raiffeisen Bank Aval JSC's value of 22.78% is 15.5% below this benchmark. Historically, Raiffeisen Bank Aval JSC's own Net Margin % has ranged from 9.16 to 63.29 over the past decade. While the company's 10-year median is 43.94 vs. the industry median of 26.95, Raiffeisen Bank Aval JSC 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. Raiffeisen Bank Aval JSC's current Net Margin % of 22.78% is 15.5% 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 Raiffeisen Bank Aval JSC 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. Raiffeisen Bank Aval JSC's current Net Margin % is 22.78%, which is 48% below median its own 10-year median of 43.94. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Raiffeisen Bank Aval JSC stock overvalued right now?
Based on GuruFocus' analysis, Raiffeisen Bank Aval JSC (PFTS:BAVL) is currently considered Fairly Valued. The stock's GF Value™ is ₴0.45, compared to a current price of ₴0.46 — trading 2.8% above its estimated fair value. The current Net Margin % is 22.78%, which is 48% below median its 10-year median of 43.94 and 15.5% below 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 Raiffeisen Bank Aval JSC (PFTS:BAVL), the current Net Margin % is 22.78% 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.
Raiffeisen Bank Aval JSC is a Ukraine based bank. It provides banking services to private individuals, corporate clients, and small and micro enterprises in Ukraine through electronic channels. It offers services and products to private individuals, including deposits; money transfers in UAH and foreign currencies, with or without opening an account; a wide list of new payment instruments including MasterCard and Visa International cards; consumer loans and many others. Its segments include Corporate & Small enterprises, Micro customers & Private individuals, Financial institutions, and Proprietary business. The majority of its revenue comes from Corporate & Small enterprises segment.
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