Avangard Bank JSC (RTD:AVAN) Net Margin %: 22.30% (As of Dec. 2020) — Near Median


What is Avangard Bank JSC Net Margin %?

Avangard Bank JSC RTD:AVAN 17 Net Margin % is 22.30% as of Dec. 2020, which is 4% below its 10-year median of 23.22. GuruFocus rates RTD:AVAN with a GF Score™ of 17/100. The stock has 2 warning signs investors should review.

Net margin is calculated as Net Income divided by its Revenue. Avangard Bank JSC's Net Income for the three months ended in Dec. 2020 was ₽800.40 Mil. Avangard Bank JSC's Revenue for the three months ended in Dec. 2020 was ₽3,589.37 Mil. Therefore, Avangard Bank JSC's net margin for the quarter that ended in Dec. 2020 was 22.30%.

The historical rank and industry rank for Avangard Bank JSC's Net Margin % or its related term are showing as below:

RTD:AVAN' s Net Margin % Range Over the Past 10 Years
Min: 12.24   Med: 23.22   Max: 59.08
Current: 30.86

RTD:AVAN's Net Margin % is not ranked
in the Banks industry.
Industry Median: 26.87 vs RTD:AVAN: 30.86

Avangard Bank JSC  (RTD:AVAN) 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.

Avangard Bank JSC Net Margin % Related Terms

Avangard Bank JSC Net Margin % Historical Data

* Premium members only.

The historical data trend for Avangard Bank JSC'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.

Avangard Bank JSC Net Margin % Chart

Avangard Bank JSC Annual Data
Trend Dec11 Dec12 Dec13 Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20
Net Margin %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 59.08 43.42 32.55 36.28 24.24

Avangard Bank JSC Quarterly Data
Dec14 Dec15 Jun16 Dec16 Mar17 Jun17 Sep17 Dec17 Mar18 Jun18 Sep18 Dec18 Mar19 Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20
Net Margin % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 49.90 40.71 46.88 9.64 22.30

RTD:AVAN vs USB, TFC, PNC: Net Margin % Comparison

For the Banks - Regional subindustry, Avangard Bank 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.

Avangard Bank JSC Net Margin % vs Banks Industry

For the Banks industry and Financial Services sector, Avangard Bank JSC's Net Margin % distribution charts can be found below:

* The bar in red indicates where Avangard Bank JSC's Net Margin % falls into.


Avangard Bank JSC Net Margin % Calculation

Net margin - also known as net profit margin is the ratio of Net Income divided by net sales or Revenue, usually presented in percent.

Avangard Bank JSC's Net Margin for the fiscal year that ended in Dec. 2020 is calculated as

Net Margin=Net Income (A: Dec. 2020 )/Revenue (A: Dec. 2020 )
=3117.856/12862.532
=24.24 %

Avangard Bank JSC's Net Margin for the quarter that ended in Dec. 2020 is calculated as

Net Margin=Net Income (Q: Dec. 2020 )/Revenue (Q: Dec. 2020 )
=800.396/3589.366
=22.30 %

* 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.

Frequently Asked Questions Learn more about Net Margin % →
What does a Net Margin % of 22.30% mean?
Avangard Bank JSC (RTD:AVAN) has a Net Margin % of 22.30% as of Dec. 2020. Net margin is the ratio of total net income to net sales. View historical data on Avangard Bank JSC and its competitors. This is near median its historical median of 23.22. Over the past decade, Avangard Bank JSC's Net Margin % has ranged from 12.24 to 59.08.
Is Avangard Bank JSC's Net Margin % too high?
Avangard Bank JSC's current Net Margin % of 22.30% is near median its 10-year median of 23.22. Over the past 10 years, this metric has ranged from a low of 12.24 to a high of 59.08. The Banks industry median Net Margin % is 26.87. Avangard Bank JSC's value of 22.30% is 17% below this industry median. Overall, Avangard Bank JSC has a GF Score™ of 17/100, reflecting its overall financial health beyond just this single metric.
How does Avangard Bank JSC's Net Margin % compare to USB and TFC?
Avangard Bank JSC's Net Margin % of 22.30% can be compared against companies in the Banks industry. The industry median Net Margin % is 26.87. Avangard Bank JSC's value of 22.30% is 17% below this benchmark. Historically, Avangard Bank JSC's own Net Margin % has ranged from 12.24 to 59.08 over the past decade. While the company's 10-year median is 23.22 vs. the industry median of 26.87, Avangard Bank 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 26.87, based on 1,525 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. Avangard Bank JSC's current Net Margin % of 22.30% is 17% 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 Avangard Bank JSC and its competitors. For the Banks industry, the median Net Margin % is 26.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Avangard Bank JSC's current Net Margin % is 22.30%, which is near median its own 10-year median of 23.22. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Avangard Bank JSC stock overvalued right now?
Avangard Bank JSC (RTD:AVAN) has a current Net Margin % of 22.30%. The current Net Margin % is 22.30%, which is near median its 10-year median of 23.22 and 17% below the Banks industry median of 26.87. Avangard Bank JSC's overall GF Score™ is 17/100 with 2 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 Avangard Bank JSC (RTD:AVAN), the current Net Margin % is 22.30% as of Dec. 2020. 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.

Avangard Bank JSC Business Description

Address 12 Sadovnicheskaya Street, Building 1, Moscow, RUS, 115035
Avangard JSB formerly Avangard Bank JSC operates as a regional bank in Russia. It provides commercial banking products and services to its corporate and retail clients in Russia through its branches and affiliates. It is also engaged in lending cash and settlement services rendered to private businesses. The company offers deposits, car loans, bank cards, banknotes, securities transactions, settlement and cash, currency control, and money transfer services, as well as Internet banking and other services.