Pareto Bank ASASTU:8PB -0.33%69 Net Margin % is 24.72% as of Mar. 2026, which is 57% below its 10-year median of 57.40. GuruFocus rates STU:8PB with a GF Score™ of 69/100 and a GF Value™ of €6.23 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,527 Banks companies, Pareto Bank ASA ranks better than 89.26% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Pareto Bank ASA's Net Income for the
three
months ended in Mar. 2026 was €6.9 Mil. Pareto Bank ASA's Revenue for the
three
months ended in Mar. 2026 was €27.8 Mil. Therefore, Pareto Bank ASA's net margin for the quarter that ended in Mar. 2026 was 24.72%.
The historical rank and industry rank for Pareto Bank ASA's Net Margin % or its related term are showing as below:
STU:8PB'
s Net Margin % Range Over the Past 10 Years
Min: 44.08 Med: 57.4 Max: 59.43
Current: 44.08
STU:8PB's Net Margin % is ranked better than 89.26% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs STU:8PB: 44.08
Pareto Bank ASA (STU:8PB) 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.
Pareto Bank ASA Net Margin % Related Terms
Pareto Bank ASA Net Margin % Historical Data
* Premium members only.
The historical data trend for Pareto Bank ASA'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.
Pareto Bank ASA Net Margin % Competitor Comparison
For the Banks - Regional subindustry, Pareto Bank ASA'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.
Pareto Bank ASA Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Pareto Bank ASA's Net Margin % distribution charts can be found below:
* The bar in red indicates where Pareto Bank ASA'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.
Pareto Bank ASA (STU:8PB) has a Net Margin % of 24.72% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Pareto Bank ASA and its competitors. This is 57% below median its historical median of 57.40. Over the past decade, Pareto Bank ASA's Net Margin % has ranged from 44.08 to 59.43. According to the industry distribution chart, Pareto Bank ASA ranks #164 out of 1527 companies in the Banks industry, placing it in the top 10.7%.
Is Pareto Bank ASA's Net Margin % too high?
Pareto Bank ASA's current Net Margin % of 24.72% is 57% below median its 10-year median of 57.40. Over the past 10 years, this metric has ranged from a low of 44.08 to a high of 59.43. The Banks industry median Net Margin % is 26.95. Pareto Bank ASA's value of 24.72% is 8.3% below this industry median. Based on the distribution chart, Pareto Bank ASA ranks #164 out of 1527 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Pareto Bank ASA has a GF Score™ of 69/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Pareto Bank ASA's Net Margin % compare to competitors?
According to the Banks industry distribution chart, Pareto Bank ASA ranks #164 out of 1527 companies for Net Margin %. This places Pareto Bank ASA in the top 11% of its industry — outperforming the majority of peers. The industry median Net Margin % is 26.95. Pareto Bank ASA's value of 24.72% is 8.3% below this benchmark. Historically, Pareto Bank ASA's own Net Margin % has ranged from 44.08 to 59.43 over the past decade. While the company's 10-year median is 57.40 vs. the industry median of 26.95, Pareto Bank ASA 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 26.95, 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. Pareto Bank ASA's current Net Margin % of 24.72% is 8.3% 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 Pareto Bank ASA 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. Pareto Bank ASA's current Net Margin % is 24.72%, which is 57% below median its own 10-year median of 57.40. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Pareto Bank ASA stock overvalued right now?
Based on GuruFocus' analysis, Pareto Bank ASA (STU:8PB) is currently considered Fairly Valued. The stock's GF Value™ is €6.23, compared to a current price of €6.03 — trading 3.2% below its estimated fair value. The current Net Margin % is 24.72%, which is 57% below median its 10-year median of 57.40 and 8.3% below the Banks industry median of 26.95. Pareto Bank ASA's overall GF Score™ is 69/100 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 Pareto Bank ASA (STU:8PB), the current Net Margin % is 24.72% 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 Pareto Bank ASA (STU:8PB) Overvalued in 2026?
Based on GuruFocus' analysis, Pareto Bank ASA stock appears to be undervalued.
The current stock price of €6.03 is trading 3.2% below its estimated GF Value™ of €6.23.
GuruFocus considers Pareto Bank ASA to be Fairly Valued.
Key valuation signals for STU:8PB:
Net Margin %: 24.72% (57% below median its 10-year median of 57.40)
GF Value™: €6.23 vs. price of €6.03 (3.2% below fair value)
Industry Position: 8.3% below the Banks median (#164 of 1527)
No single metric tells the full story. See the STU:8PB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Pareto Bank ASA operates as a commercial bank in Norway. It offers diversified financial services including accepting deposits, financing of construction and rehabilitation of housing, financing solutions for companies, owners and investors, financing of shipping and offshore projects, banking. The bank also offers credit cards and online banking.
69GF Score
Get the complete analysis for STU:8PB
Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
STU:8PB has been successfully added to your 
