Bank Of Chongqing CoSTU:CQN +1.22%49 Net Margin % is 22.67% as of Dec. 2025, which is 38% below its 10-year median of 36.46. GuruFocus rates STU:CQN with a GF Score™ of 49/100 and a GF Value™ of €0.87 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,530 Banks companies, Bank Of Chongqing Co ranks better than 81.11% on this metric.
The historical rank and industry rank for Bank Of Chongqing Co's Net Margin % or its related term are showing as below:
STU:CQN'
s Net Margin % Range Over the Past 10 Years
Min: 33.53 Med: 36.46 Max: 39.39
Current: 37.94
STU:CQN's Net Margin % is ranked better than 81.11% of 1530
companies
in the Banks industry
Industry Median: 26.845
vs STU:CQN: 37.94
Bank Of Chongqing Co (STU:CQN) 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 Of Chongqing Co Net Margin % Related Terms
Bank Of Chongqing Co Net Margin % Historical Data
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The historical data trend for Bank Of Chongqing Co'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.
Bank Of Chongqing Co Net Margin % Competitor Comparison
For the Banks - Regional subindustry, Bank Of Chongqing Co'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 Of Chongqing Co Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Bank Of Chongqing Co's Net Margin % distribution charts can be found below:
* The bar in red indicates where Bank Of Chongqing Co'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 Of Chongqing Co (STU:CQN) has a Net Margin % of 22.67% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Bank Of Chongqing Co and its competitors. This is 38% below median its historical median of 36.46. Over the past decade, Bank Of Chongqing Co's Net Margin % has ranged from 33.53 to 39.39. According to the industry distribution chart, Bank Of Chongqing Co ranks #289 out of 1530 companies in the Banks industry, placing it in the top 18.9%.
Is Bank Of Chongqing Co's Net Margin % too high?
Bank Of Chongqing Co's current Net Margin % of 22.67% is 38% below median its 10-year median of 36.46. Over the past 10 years, this metric has ranged from a low of 33.53 to a high of 39.39. The Banks industry median Net Margin % is 26.85. Bank Of Chongqing Co's value of 22.67% is 15.6% below this industry median. Based on the distribution chart, Bank Of Chongqing Co ranks #289 out of 1530 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Bank Of Chongqing Co has a GF Score™ of 49/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Bank Of Chongqing Co's Net Margin % compare to competitors?
According to the Banks industry distribution chart, Bank Of Chongqing Co ranks #289 out of 1530 companies for Net Margin %. This places Bank Of Chongqing Co in the top 19% of its industry — outperforming the majority of peers. The industry median Net Margin % is 26.85. Bank Of Chongqing Co's value of 22.67% is 15.6% below this benchmark. Historically, Bank Of Chongqing Co's own Net Margin % has ranged from 33.53 to 39.39 over the past decade. While the company's 10-year median is 36.46 vs. the industry median of 26.85, Bank Of Chongqing Co 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. Bank Of Chongqing Co's current Net Margin % of 22.67% is 15.6% 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 Bank Of Chongqing Co 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 Of Chongqing Co's current Net Margin % is 22.67%, which is 38% below median its own 10-year median of 36.46. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank Of Chongqing Co stock overvalued right now?
Based on GuruFocus' analysis, Bank Of Chongqing Co (STU:CQN) is currently considered Fairly Valued. The stock's GF Value™ is €0.87, compared to a current price of €0.83 — trading 4.6% below its estimated fair value. The current Net Margin % is 22.67%, which is 38% below median its 10-year median of 36.46 and 15.6% below the Banks industry median of 26.85. Bank Of Chongqing Co's overall GF Score™ is 49/100 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 Bank Of Chongqing Co (STU:CQN), the current Net Margin % is 22.67% 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 Bank Of Chongqing Co (STU:CQN) Overvalued in 2026?
Based on GuruFocus' analysis, Bank Of Chongqing Co stock appears to be undervalued.
The current stock price of €0.83 is trading 4.6% below its estimated GF Value™ of €0.87.
GuruFocus considers Bank Of Chongqing Co to be Fairly Valued.
Key valuation signals for STU:CQN:
Net Margin %: 22.67% (38% below median its 10-year median of 36.46)
GF Value™: €0.87 vs. price of €0.83 (4.6% below fair value)
Industry Position: 15.6% below the Banks median (#289 of 1530)
No single metric tells the full story. See the STU:CQN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bank Of Chongqing Co Ltd is is engaged in banking business. The company's core businesses consist of the corporate banking business, which provides corporate customers with financial products and services such as deposits and loans; the retail banking business, which provides individual customers with financial products and services; and the treasury business, which is involved in interbank lending and borrowing, bond investment, repurchasing, and foreign currency transactions. The company generates over half of total revenue from the corporate banking business. The company's business is concentrated in Chongqing, and the bank also conducts business through branches in Chengdu, Guiyang, and Xi'an.
49GF Score
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