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China BankingPHS:CBC +0.27%76 Net Margin % is 38.19% as of Mar. 2026, which is 24% above its 10-year median of 30.81. GuruFocus rates PHS:CBC with a GF Score™ of 76/100 and a GF Value™ of ₱58.44 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,530 Banks companies, China Banking ranks better than 80.59% on this metric.
Net margin is calculated as Net Income divided by its Revenue. China Banking's Net Income for the
three
months ended in Mar. 2026 was ₱6,783 Mil. China Banking's Revenue for the
three
months ended in Mar. 2026 was ₱17,759 Mil. Therefore, China Banking's net margin for the quarter that ended in Mar. 2026 was 38.19%.
The historical rank and industry rank for China Banking's Net Margin % or its related term are showing as below:
PHS:CBC'
s Net Margin % Range Over the Past 10 Years
Min: 28.62 Med: 30.81 Max: 41.16
Current: 37.66
PHS:CBC's Net Margin % is ranked better than 80.59% of 1530
companies
in the Banks industry
Industry Median: 26.845
vs PHS:CBC: 37.66
China Banking (PHS:CBC) 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.
China Banking Net Margin % Related Terms
China Banking Net Margin % Historical Data
* Premium members only.
The historical data trend for China Banking'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, China Banking'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.
China Banking Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, China Banking's Net Margin % distribution charts can be found below:
* The bar in red indicates where China Banking'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.
China Banking (PHS:CBC) has a Net Margin % of 38.19% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on China Banking and its competitors. This is 24% above median its historical median of 30.81. Over the past decade, China Banking's Net Margin % has ranged from 28.62 to 41.16. According to the industry distribution chart, China Banking ranks #297 out of 1530 companies in the Banks industry, placing it in the top 19.4%.
Is China Banking's Net Margin % too high?
China Banking's current Net Margin % of 38.19% is 24% above median its 10-year median of 30.81. Over the past 10 years, this metric has ranged from a low of 28.62 to a high of 41.16. The Banks industry median Net Margin % is 26.85. China Banking's value of 38.19% is 42.3% above this industry median. Based on the distribution chart, China Banking ranks #297 out of 1530 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, China Banking has a GF Score™ of 76/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does China Banking's Net Margin % compare to competitors?
According to the Banks industry distribution chart, China Banking ranks #297 out of 1530 companies for Net Margin %. This places China Banking in the top 19% of its industry — outperforming the majority of peers. The industry median Net Margin % is 26.85. China Banking's value of 38.19% is 42.3% above this benchmark. Historically, China Banking's own Net Margin % has ranged from 28.62 to 41.16 over the past decade. While the company's 10-year median is 30.81 vs. the industry median of 26.85, China Banking 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. China Banking's current Net Margin % of 38.19% is 42.3% 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 China Banking 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. China Banking's current Net Margin % is 38.19%, which is 24% above median its own 10-year median of 30.81. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is China Banking stock overvalued right now?
Based on GuruFocus' analysis, China Banking (PHS:CBC) is currently considered Fairly Valued. The stock's GF Value™ is ₱58.44, compared to a current price of ₱56.55 — trading 3.2% below its estimated fair value. The current Net Margin % is 38.19%, which is 24% above median its 10-year median of 30.81 and 42.3% above the Banks industry median of 26.85. China Banking's overall GF Score™ is 76/100 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 China Banking (PHS:CBC), the current Net Margin % is 38.19% 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 China Banking (PHS:CBC) Overvalued in 2026?
Based on GuruFocus' analysis, China Banking stock appears to be undervalued.
The current stock price of ₱56.55 is trading 3.2% below its estimated GF Value™ of ₱58.44.
GuruFocus considers China Banking to be Fairly Valued.
Key valuation signals for PHS:CBC:
Net Margin %: 38.19% (24% above median its 10-year median of 30.81)
GF Value™: ₱58.44 vs. price of ₱56.55 (3.2% below fair value)
Industry Position: 42.3% above the Banks median (#297 of 1530)
No single metric tells the full story. See the PHS:CBC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
China Banking Corp is a commercial bank engaged in corporate and SME lending, retail loans including mortgage and auto loans, treasury and foreign exchange trading, trust and investment management, wealth management, cash management, and insurance products. The group's five business segments, namely, Institutional Banking, Consumer Banking, Retail Banking Business, Financial Markets, and Others, which include credit management, thrift banking business, operations and financial control, and other support services. The majority of the company's revenue comes from the Retail Banking Business.
76GF Score
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