Banco Pichincha CAQUI:PCD +0.76%96 Net Margin % is 12.62% as of Dec. 2025, which is 51% above its 10-year median of 8.36. GuruFocus rates QUI:PCD with a GF Score™ of 96/100 and a GF Value™ of $107.46 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 1,526 Banks companies, Banco Pichincha CA ranks worse than 84.8% on this metric.
The historical rank and industry rank for Banco Pichincha CA's Net Margin % or its related term are showing as below:
QUI:PCD'
s Net Margin % Range Over the Past 10 Years
Min: 4.03 Med: 8.36 Max: 12.62
Current: 12.62
QUI:PCD's Net Margin % is ranked worse than 84.8% of 1526
companies
in the Banks industry
Industry Median: 26.97
vs QUI:PCD: 12.62
Banco Pichincha CA (QUI:PCD) 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 Pichincha CA Net Margin % Related Terms
Banco Pichincha CA Net Margin % Historical Data
* Premium members only.
The historical data trend for Banco Pichincha CA'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 Pichincha CA'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 Pichincha CA Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Banco Pichincha CA's Net Margin % distribution charts can be found below:
* The bar in red indicates where Banco Pichincha CA'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 Pichincha CA (QUI:PCD) has a Net Margin % of 12.62% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Banco Pichincha CA and its competitors. This is 51% above median its historical median of 8.36. Over the past decade, Banco Pichincha CA's Net Margin % has ranged from 4.03 to 12.62. According to the industry distribution chart, Banco Pichincha CA ranks #1294 out of 1526 companies in the Banks industry, placing it in the top 84.8%.
Is Banco Pichincha CA's Net Margin % too high?
Banco Pichincha CA's current Net Margin % of 12.62% is 51% above median its 10-year median of 8.36. Over the past 10 years, this metric has ranged from a low of 4.03 to a high of 12.62. The Banks industry median Net Margin % is 26.97. Banco Pichincha CA's value of 12.62% is 53.2% below this industry median. Based on the distribution chart, Banco Pichincha CA ranks #1294 out of 1526 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Banco Pichincha CA has a GF Score™ of 96/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banco Pichincha CA's Net Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Banco Pichincha CA ranks #1294 out of 1526 companies for Net Margin %. This places Banco Pichincha CA in the lower half of its industry. The industry median Net Margin % is 26.97. Banco Pichincha CA's value of 12.62% is 53.2% below this benchmark. Historically, Banco Pichincha CA's own Net Margin % has ranged from 4.03 to 12.62 over the past decade. While the company's 10-year median is 8.36 vs. the industry median of 26.97, Banco Pichincha CA 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 26.97, 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. Banco Pichincha CA's current Net Margin % of 12.62% is 53.2% 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 Pichincha CA 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. Banco Pichincha CA's current Net Margin % is 12.62%, which is 51% above median its own 10-year median of 8.36. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banco Pichincha CA stock overvalued right now?
Based on GuruFocus' analysis, Banco Pichincha CA (QUI:PCD) is currently considered Modestly Overvalued. The stock's GF Value™ is $107.46, compared to a current price of $131.00 — trading 21.9% above its estimated fair value. The current Net Margin % is 12.62%, which is 51% above median its 10-year median of 8.36 and 53.2% below the Banks industry median of 26.97. Banco Pichincha CA's overall GF Score™ is 96/100 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 Banco Pichincha CA (QUI:PCD), the current Net Margin % is 12.62% as of Dec. 2025. 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 Pichincha CA (QUI:PCD) Overvalued in 2026?
Based on GuruFocus' analysis, Banco Pichincha CA stock appears to be overvalued.
The current stock price of $131.00 is trading 21.9% above its estimated GF Value™ of $107.46.
GuruFocus considers Banco Pichincha CA to be Modestly Overvalued.
Key valuation signals for QUI:PCD:
Net Margin %: 12.62% (51% above median its 10-year median of 8.36)
GF Value™: $107.46 vs. price of $131.00 (21.9% above fair value)
Industry Position: 53.2% below the Banks median (#1294 of 1526)
No single metric tells the full story. See the QUI:PCD stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Banco Pichincha CA provides banking services in Ecuador. The products and services of the bank include electronic banking, savings account, current account, debit cards, credit cards, and other related services.
96GF Score
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