STU:TA2'
s Net Margin % Range Over the Past 10 Years
Min: 1.92 Med: 19.65 Max: 28.48
Current: 17.1
STU:TA2's Net Margin % is ranked worse than 77.6% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs STU:TA2: 17.10
PT Bank Tabungan Negara (Persero) Tbk (STU:TA2) 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.
PT Bank Tabungan Negara (Persero) Tbk Net Margin % Related Terms
PT Bank Tabungan Negara (Persero) Tbk 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.
PT Bank Tabungan Negara (Persero) Tbk Net Margin % Chart
PT Bank Tabungan Negara (Persero) Tbk Net Margin % Competitor Comparison
For the Banks - Regional subindustry, PT Bank Tabungan Negara (Persero) Tbk'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.
PT Bank Tabungan Negara (Persero) Tbk Net Margin % vs Banks Industry
* 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.
PT Bank Tabungan Negara (Persero) Tbk (STU:TA2) has a Net Margin % of 22.45% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on PT Bank Tabungan Negara (Persero) Tbk and its competitors. This is 14% above median its historical median of 19.65. Over the past decade, PT Bank Tabungan Negara (Persero) Tbk's Net Margin % has ranged from 1.92 to 28.48. According to the industry distribution chart, PT Bank Tabungan Negara (Persero) Tbk ranks #1185 out of 1527 companies in the Banks industry, placing it in the top 77.6%.
Is PT Bank Tabungan Negara (Persero) Tbk's Net Margin % too high?
PT Bank Tabungan Negara (Persero) Tbk's current Net Margin % of 22.45% is 14% above median its 10-year median of 19.65. Over the past 10 years, this metric has ranged from a low of 1.92 to a high of 28.48. The Banks industry median Net Margin % is 26.95. PT Bank Tabungan Negara (Persero) Tbk's value of 22.45% is 16.7% below this industry median. Based on the distribution chart, PT Bank Tabungan Negara (Persero) Tbk ranks #1185 out of 1527 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, PT Bank Tabungan Negara (Persero) Tbk has a GF Score™ of 81/100, reflecting its overall financial health beyond just this single metric.
How does PT Bank Tabungan Negara (Persero) Tbk's Net Margin % compare to competitors?
According to the Banks industry distribution chart, PT Bank Tabungan Negara (Persero) Tbk ranks #1185 out of 1527 companies for Net Margin %. This places PT Bank Tabungan Negara (Persero) Tbk in the lower half of its industry. The industry median Net Margin % is 26.95. PT Bank Tabungan Negara (Persero) Tbk's value of 22.45% is 16.7% below this benchmark. Historically, PT Bank Tabungan Negara (Persero) Tbk's own Net Margin % has ranged from 1.92 to 28.48 over the past decade. While the company's 10-year median is 19.65 vs. the industry median of 26.95, PT Bank Tabungan Negara (Persero) Tbk 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. PT Bank Tabungan Negara (Persero) Tbk's current Net Margin % of 22.45% is 16.7% 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 PT Bank Tabungan Negara (Persero) Tbk 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. PT Bank Tabungan Negara (Persero) Tbk's current Net Margin % is 22.45%, which is 14% above median its own 10-year median of 19.65. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank Tabungan Negara (Persero) Tbk stock overvalued right now?
PT Bank Tabungan Negara (Persero) Tbk (STU:TA2) has a current Net Margin % of 22.45%. The stock's GF Value™ is €0.07, compared to a current price of €0.04 — trading 41.4% below its estimated fair value. The current Net Margin % is 22.45%, which is 14% above median its 10-year median of 19.65 and 16.7% below the Banks industry median of 26.95. PT Bank Tabungan Negara (Persero) Tbk's overall GF Score™ is 81/100 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 PT Bank Tabungan Negara (Persero) Tbk (STU:TA2), the current Net Margin % is 22.45% 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 PT Bank Tabungan Negara (Persero) Tbk (STU:TA2) Overvalued in 2026?
Based on GuruFocus' analysis, PT Bank Tabungan Negara (Persero) Tbk stock appears to be undervalued.
The current stock price of €0.04 is trading 41.4% below its estimated GF Value™ of €0.07.
Key valuation signals for STU:TA2:
Net Margin %: 22.45% (14% above median its 10-year median of 19.65)
GF Value™: €0.07 vs. price of €0.04 (41.4% below fair value)
Industry Position: 16.7% below the Banks median (#1185 of 1527)
No single metric tells the full story. See the STU:TA2 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT Bank Tabungan Negara (Persero) Tbk Business Description
PT Bank Tabungan Negara (Persero) Tbk conducts business in the banking sector. Its activities include Collecting funds from the public in the form of savings, current accounts, time deposits, certificates of deposit, distributing funds in the form of credit or financing, issuing and/or carrying out securities transactions. Its products and services are divided into two segments, namely conventional and sharia. Conventional banking consist of Consumer products and Commercial products; and Sharia consist of Sharia Products. Its services include consumer loan products, consumer savings products, and wealth management products.
81GF Score
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