Bank Handlowy w WarszawieSTU:6HW +0.35%69 Net Margin % is 39.43% as of Mar. 2026, which is 35% above its 10-year median of 29.25. GuruFocus rates STU:6HW with a GF Score™ of 69/100 and a GF Value™ of €18.10 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,530 Banks companies, Bank Handlowy w Warszawie ranks better than 92.88% on this metric.
The historical rank and industry rank for Bank Handlowy w Warszawie's Net Margin % or its related term are showing as below:
STU:6HW'
s Net Margin % Range Over the Past 10 Years
Min: 8.13 Med: 29.25 Max: 53.45
Current: 48.84
STU:6HW's Net Margin % is ranked better than 92.88% of 1530
companies
in the Banks industry
Industry Median: 26.845
vs STU:6HW: 48.84
Bank Handlowy w Warszawie (STU:6HW) 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.
Bank Handlowy w Warszawie Net Margin % Related Terms
Bank Handlowy w Warszawie 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.
For the Banks - Regional subindustry, Bank Handlowy w Warszawie'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.
Bank Handlowy w Warszawie Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Bank Handlowy w Warszawie's Net Margin % distribution charts can be found below:
* The bar in red indicates where Bank Handlowy w Warszawie'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.
Bank Handlowy w Warszawie (STU:6HW) has a Net Margin % of 39.43% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Bank Handlowy w Warszawie and its competitors. This is 35% above median its historical median of 29.25. Over the past decade, Bank Handlowy w Warszawie's Net Margin % has ranged from 8.13 to 53.45. According to the industry distribution chart, Bank Handlowy w Warszawie ranks #109 out of 1530 companies in the Banks industry, placing it in the top 7.1%.
Is Bank Handlowy w Warszawie's Net Margin % too high?
Bank Handlowy w Warszawie's current Net Margin % of 39.43% is 35% above median its 10-year median of 29.25. Over the past 10 years, this metric has ranged from a low of 8.13 to a high of 53.45. The Banks industry median Net Margin % is 26.85. Bank Handlowy w Warszawie's value of 39.43% is 46.9% above this industry median. Based on the distribution chart, Bank Handlowy w Warszawie ranks #109 out of 1530 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Bank Handlowy w Warszawie has a GF Score™ of 69/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bank Handlowy w Warszawie's Net Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Bank Handlowy w Warszawie ranks #109 out of 1530 companies for Net Margin %. This places Bank Handlowy w Warszawie in the top 7% of its industry — outperforming the majority of peers. The industry median Net Margin % is 26.85. Bank Handlowy w Warszawie's value of 39.43% is 46.9% above this benchmark. Historically, Bank Handlowy w Warszawie's own Net Margin % has ranged from 8.13 to 53.45 over the past decade. While the company's 10-year median is 29.25 vs. the industry median of 26.85, Bank Handlowy w Warszawie 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. Bank Handlowy w Warszawie's current Net Margin % of 39.43% is 46.9% 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 Bank Handlowy w Warszawie 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. Bank Handlowy w Warszawie's current Net Margin % is 39.43%, which is 35% above median its own 10-year median of 29.25. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank Handlowy w Warszawie stock overvalued right now?
Based on GuruFocus' analysis, Bank Handlowy w Warszawie (STU:6HW) is currently considered Significantly Overvalued. The stock's GF Value™ is €18.10, compared to a current price of €28.35 — trading 56.6% above its estimated fair value. The current Net Margin % is 39.43%, which is 35% above median its 10-year median of 29.25 and 46.9% above the Banks industry median of 26.85. Bank Handlowy w Warszawie's overall GF Score™ is 69/100 with 6 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 Bank Handlowy w Warszawie (STU:6HW), the current Net Margin % is 39.43% 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 Bank Handlowy w Warszawie (STU:6HW) Overvalued in 2026?
Based on GuruFocus' analysis, Bank Handlowy w Warszawie stock appears to be overvalued.
The current stock price of €28.35 is trading 56.6% above its estimated GF Value™ of €18.10.
GuruFocus considers Bank Handlowy w Warszawie to be Significantly Overvalued.
Key valuation signals for STU:6HW:
Net Margin %: 39.43% (35% above median its 10-year median of 29.25)
GF Value™: €18.10 vs. price of €28.35 (56.6% above fair value)
Industry Position: 46.9% above the Banks median (#109 of 1530)
No single metric tells the full story. See the STU:6HW stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bank Handlowy w Warszawie SA is a Poland-based bank and the parent company of the Bank Handlowy Group. It is a subsidiary of Citigroup, through Citibank Overseas Investment Corporation. The group provides retail, corporate, and investment banking services, as well as leasing and other financial services.
69GF Score
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