Banco GuayaquilQUI:GYL 66 Net Margin % is 18.63% as of Mar. 2026, which is 5% above its 10-year median of 17.79. GuruFocus rates QUI:GYL with a GF Score™ of 66/100 and a GF Value™ of $1.21 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,530 Banks companies, Banco Guayaquil ranks worse than 67.65% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Banco Guayaquil's Net Income for the
three
months ended in Mar. 2026 was $39.0 Mil. Banco Guayaquil's Revenue for the
three
months ended in Mar. 2026 was $209.4 Mil. Therefore, Banco Guayaquil's net margin for the quarter that ended in Mar. 2026 was 18.63%.
The historical rank and industry rank for Banco Guayaquil's Net Margin % or its related term are showing as below:
QUI:GYL'
s Net Margin % Range Over the Past 10 Years
Min: 7.67 Med: 17.79 Max: 21.35
Current: 21.12
QUI:GYL's Net Margin % is ranked worse than 67.65% of 1530
companies
in the Banks industry
Industry Median: 26.845
vs QUI:GYL: 21.12
Banco Guayaquil (QUI:GYL) 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.
Banco Guayaquil Net Margin % Related Terms
Banco Guayaquil Net Margin % Historical Data
* Premium members only.
The historical data trend for Banco Guayaquil'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, Banco Guayaquil'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.
Banco Guayaquil Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Banco Guayaquil's Net Margin % distribution charts can be found below:
* The bar in red indicates where Banco Guayaquil'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.
Banco Guayaquil (QUI:GYL) has a Net Margin % of 18.63% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Banco Guayaquil and its competitors. This is near median its historical median of 17.79. Over the past decade, Banco Guayaquil's Net Margin % has ranged from 7.67 to 21.35. According to the industry distribution chart, Banco Guayaquil ranks #1035 out of 1530 companies in the Banks industry, placing it in the top 67.6%.
Is Banco Guayaquil's Net Margin % too high?
Banco Guayaquil's current Net Margin % of 18.63% is near median its 10-year median of 17.79. Over the past 10 years, this metric has ranged from a low of 7.67 to a high of 21.35. The Banks industry median Net Margin % is 26.85. Banco Guayaquil's value of 18.63% is 30.6% below this industry median. Based on the distribution chart, Banco Guayaquil ranks #1035 out of 1530 companies in the Banks industry, which is below the industry midpoint. Overall, Banco Guayaquil has a GF Score™ of 66/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banco Guayaquil's Net Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Banco Guayaquil ranks #1035 out of 1530 companies for Net Margin %. This places Banco Guayaquil in the lower half of its industry. The industry median Net Margin % is 26.85. Banco Guayaquil's value of 18.63% is 30.6% below this benchmark. Historically, Banco Guayaquil's own Net Margin % has ranged from 7.67 to 21.35 over the past decade. While the company's 10-year median is 17.79 vs. the industry median of 26.85, Banco Guayaquil 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 26.85, 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. Banco Guayaquil's current Net Margin % of 18.63% is 30.6% 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 Banco Guayaquil 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. Banco Guayaquil's current Net Margin % is 18.63%, which is near median its own 10-year median of 17.79. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banco Guayaquil stock overvalued right now?
Based on GuruFocus' analysis, Banco Guayaquil (QUI:GYL) is currently considered Significantly Overvalued. The stock's GF Value™ is $1.21, compared to a current price of $2.37 — trading 95.9% above its estimated fair value. The current Net Margin % is 18.63%, which is near median its 10-year median of 17.79 and 30.6% below the Banks industry median of 26.85. Banco Guayaquil's overall GF Score™ is 66/100 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 Banco Guayaquil (QUI:GYL), the current Net Margin % is 18.63% 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 Banco Guayaquil (QUI:GYL) Overvalued in 2026?
Based on GuruFocus' analysis, Banco Guayaquil stock appears to be overvalued.
The current stock price of $2.37 is trading 95.9% above its estimated GF Value™ of $1.21.
GuruFocus considers Banco Guayaquil to be Significantly Overvalued.
Key valuation signals for QUI:GYL:
Net Margin %: 18.63% (near median its 10-year median of 17.79)
GF Value™: $1.21 vs. price of $2.37 (95.9% above fair value)
Industry Position: 30.6% below the Banks median (#1035 of 1530)
No single metric tells the full story. See the QUI:GYL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Banco Guayaquil SA provides various banking and financial services through its vast network of ATMs and various branches, mainly in Ecuador. It offers loans, accepts deposits, provides digital banking services, issues debit and credit cards, and offers financing and investment products and services, among others. The bank's economic activities are grouped into different lines of business: corporate banking, personal banking, educational banking, housing banking, microcredit, and other financial services.
66GF Score
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Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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