Nova Banka AD (XBLB:NOVB-R-E) Net Margin %: 46.20% (As of Dec. 2024)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

What is Nova Banka AD Net Margin %?

Nova Banka AD XBLB:NOVB-R-E Net Margin % is 46.20% as of Dec. 2024.

Net margin is calculated as Net Income divided by its Revenue. Nova Banka AD's Net Income for the six months ended in Dec. 2024 was BAM65.5 Mil. Nova Banka AD's Revenue for the six months ended in Dec. 2024 was BAM141.8 Mil. Therefore, Nova Banka AD's net margin for the quarter that ended in Dec. 2024 was 46.20%.

The historical rank and industry rank for Nova Banka AD's Net Margin % or its related term are showing as below:


XBLB:NOVB-R-E's Net Margin % is not ranked *
in the Banks industry.
Industry Median: 26.87
* Ranked among companies with meaningful Net Margin % only.

Nova Banka AD  (XBLB:NOVB-R-E) 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.

Nova Banka AD Net Margin % Related Terms

Nova Banka AD Net Margin % Historical Data

* Premium members only.

The historical data trend for Nova Banka AD'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.

Nova Banka AD Net Margin % Chart

Nova Banka AD Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Net Margin %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 14.49 24.69 65.74 38.63 48.48

Nova Banka AD Semi-Annual Data
Dec14 Dec15 Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24
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 72.91 36.93 39.47 52.22 46.20

Nova Banka AD Net Margin % Competitor Comparison

For the Banks - Regional subindustry, Nova Banka AD'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.

Nova Banka AD Net Margin % vs Banks Industry

For the Banks industry and Financial Services sector, Nova Banka AD's Net Margin % distribution charts can be found below:

* The bar in red indicates where Nova Banka AD's Net Margin % falls into.


Nova Banka AD 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.

Nova Banka AD's Net Margin for the fiscal year that ended in Dec. 2024 is calculated as

Net Margin=Net Income (A: Dec. 2024 )/Revenue (A: Dec. 2024 )
=110.712/228.35
=48.48 %

Nova Banka AD's Net Margin for the quarter that ended in Dec. 2024 is calculated as

Net Margin=Net Income (Q: Dec. 2024 )/Revenue (Q: Dec. 2024 )
=65.517/141.797
=46.20 %

* 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 46.20% mean?
Nova Banka AD (XBLB:NOVB-R-E) has a Net Margin % of 46.20% as of Dec. 2024. Net margin is the ratio of total net income to net sales. View historical data on Nova Banka AD and its competitors.
Is Nova Banka AD's Net Margin % too high?
Nova Banka AD's current Net Margin % is 46.20%. The Banks industry median Net Margin % is 26.87. Nova Banka AD's value of 46.20% is 71.9% above this industry median.
How does Nova Banka AD's Net Margin % compare to competitors?
Nova Banka AD's Net Margin % of 46.20% can be compared against companies in the Banks industry. The industry median Net Margin % is 26.87. Nova Banka AD's value of 46.20% is 71.9% above this benchmark. 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 1,527 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. Nova Banka AD's current Net Margin % of 46.20% is 71.9% 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 Nova Banka AD 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. Nova Banka AD's current Net Margin % is 46.20%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Nova Banka AD stock overvalued right now?
Nova Banka AD (XBLB:NOVB-R-E) has a current Net Margin % of 46.20%. The current Net Margin % is 46.20% and 71.9% above the Banks industry median of 26.87. 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 Nova Banka AD (XBLB:NOVB-R-E), the current Net Margin % is 46.20% as of Dec. 2024. 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.

Nova Banka AD Business Description

Address 37A Kralja Alfonsa XIII Street, Banja Luka, BIH, 78 000
Nova Banka AD is engaged in providing banking services. The services include loans, documentary work, deposits and savings, payment transactions and money transfers, and currency exchange transactions. The bank also provides non-banking activities such as broker operations, custody operations, factoring, and forfeiting. Its operating segments include Corporate, Retail, Financial market, and others.