What is PT Bank Mandiri (Persero) Tbk Net Margin %?
PT Bank Mandiri (Persero) TbkPPERF 58 Net Margin % is 44.86% as of Mar. 2026, which is 37% above its 10-year median of 32.79. GuruFocus rates PPERF with a GF Score™ of 58/100 and a GF Value™ of $0.46 (Significantly Undervalued). The stock has 4 warning signs investors should review. Among 1,527 Banks companies, PT Bank Mandiri (Persero) Tbk ranks better than 87.1% on this metric.
The historical rank and industry rank for PT Bank Mandiri (Persero) Tbk's Net Margin % or its related term are showing as below:
PPERF'
s Net Margin % Range Over the Past 10 Years
Min: 19.29 Med: 32.79 Max: 44.33
Current: 41.77
PPERF's Net Margin % is ranked better than 87.1% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs PPERF: 41.77
PT Bank Mandiri (Persero) Tbk (OTCPK:PPERF) 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 Mandiri (Persero) Tbk Net Margin % Related Terms
PT Bank Mandiri (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 Mandiri (Persero) Tbk Net Margin % Competitor Comparison
For the Banks - Regional subindustry, PT Bank Mandiri (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 Mandiri (Persero) Tbk Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, PT Bank Mandiri (Persero) Tbk's Net Margin % distribution charts can be found below:
* The bar in red indicates where PT Bank Mandiri (Persero) Tbk'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.
PT Bank Mandiri (Persero) Tbk (PPERF) has a Net Margin % of 44.86% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on PT Bank Mandiri (Persero) Tbk and its competitors. This is 37% above median its historical median of 32.79. Over the past decade, PT Bank Mandiri (Persero) Tbk's Net Margin % has ranged from 19.29 to 44.33. According to the industry distribution chart, PT Bank Mandiri (Persero) Tbk ranks #197 out of 1527 companies in the Banks industry, placing it in the top 12.9%.
Is PT Bank Mandiri (Persero) Tbk's Net Margin % too high?
PT Bank Mandiri (Persero) Tbk's current Net Margin % of 44.86% is 37% above median its 10-year median of 32.79. Over the past 10 years, this metric has ranged from a low of 19.29 to a high of 44.33. The Banks industry median Net Margin % is 26.95. PT Bank Mandiri (Persero) Tbk's value of 44.86% is 66.5% above this industry median. Based on the distribution chart, PT Bank Mandiri (Persero) Tbk ranks #197 out of 1527 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, PT Bank Mandiri (Persero) Tbk has a GF Score™ of 58/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT Bank Mandiri (Persero) Tbk's Net Margin % compare to competitors?
According to the Banks industry distribution chart, PT Bank Mandiri (Persero) Tbk ranks #197 out of 1527 companies for Net Margin %. This places PT Bank Mandiri (Persero) Tbk in the top 13% of its industry — outperforming the majority of peers. The industry median Net Margin % is 26.95. PT Bank Mandiri (Persero) Tbk's value of 44.86% is 66.5% above this benchmark. Historically, PT Bank Mandiri (Persero) Tbk's own Net Margin % has ranged from 19.29 to 44.33 over the past decade. While the company's 10-year median is 32.79 vs. the industry median of 26.95, PT Bank Mandiri (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 26.95, 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. PT Bank Mandiri (Persero) Tbk's current Net Margin % of 44.86% is 66.5% 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 Mandiri (Persero) Tbk 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. PT Bank Mandiri (Persero) Tbk's current Net Margin % is 44.86%, which is 37% above median its own 10-year median of 32.79. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank Mandiri (Persero) Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Bank Mandiri (Persero) Tbk (PPERF) is currently considered Significantly Undervalued. The stock's GF Value™ is $0.46, compared to a current price of $0.24 — trading 48.6% below its estimated fair value. The current Net Margin % is 44.86%, which is 37% above median its 10-year median of 32.79 and 66.5% above the Banks industry median of 26.95. PT Bank Mandiri (Persero) Tbk's overall GF Score™ is 58/100 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 PT Bank Mandiri (Persero) Tbk (PPERF), the current Net Margin % is 44.86% 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 Mandiri (Persero) Tbk (PPERF) Overvalued in 2026?
Based on GuruFocus' analysis, PT Bank Mandiri (Persero) Tbk stock appears to be undervalued.
The current stock price of $0.24 is trading 48.6% below its estimated GF Value™ of $0.46.
GuruFocus considers PT Bank Mandiri (Persero) Tbk to be Significantly Undervalued.
Key valuation signals for PPERF:
Net Margin %: 44.86% (37% above median its 10-year median of 32.79)
GF Value™: $0.46 vs. price of $0.24 (48.6% below fair value)
Industry Position: 66.5% above the Banks median (#197 of 1527)
No single metric tells the full story. See the PPERF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT Bank Mandiri (Persero) Tbk Business Description
PT Bank Mandiri (Persero) Tbk is engaged in the provision of banking services. Its services include collecting funds from the public in forms of current accounts, term deposits, deposit certificates, savings, and/or other equivalent forms; Lending; Issuing promissory notes; Purchasing, selling, or guaranteeing on own risk or for the interest of and upon orders of the customers; and money transfer for self- interest or customers' interest. Its segments include the Wholesale segment and the Retail segment. Geographically, it operates in Indonesia, Asia (Singapore, Hong Kong, Timor Leste, Shanghai, Malaysia), Western Europe (United Kingdom), and the Cayman Islands.
58GF Score
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