What is CB Bulgarian American Credit Bank AD Net Margin %?
CB Bulgarian American Credit Bank ADXBUL:BACB 65 Net Margin % is 39.71% as of Mar. 2026, which is 39% above its 10-year median of 28.61. GuruFocus rates XBUL:BACB with a GF Score™ of 65/100 and a GF Value™ of €10.11 (Significantly Undervalued). The stock has 2 warning signs investors should review. Among 1,528 Banks companies, CB Bulgarian American Credit Bank AD ranks better than 66.03% on this metric.
XBUL:BACB'
s Net Margin % Range Over the Past 10 Years
Min: 15.22 Med: 28.61 Max: 50.1
Current: 31.48
XBUL:BACB's Net Margin % is ranked better than 66.03% of 1528
companies
in the Banks industry
Industry Median: 26.845
vs XBUL:BACB: 31.48
CB Bulgarian American Credit Bank AD (XBUL:BACB) 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.
CB Bulgarian American Credit Bank AD Net Margin % Related Terms
CB Bulgarian American Credit Bank AD 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.
CB Bulgarian American Credit Bank AD Net Margin % Chart
For the Banks - Regional subindustry, CB Bulgarian American Credit Bank 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.
CB Bulgarian American Credit Bank AD Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, CB Bulgarian American Credit Bank AD's Net Margin % distribution charts can be found below:
* The bar in red indicates where CB Bulgarian American Credit Bank AD'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.
CB Bulgarian American Credit Bank AD (XBUL:BACB) has a Net Margin % of 39.71% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on CB Bulgarian American Credit Bank AD and its competitors. This is 39% above median its historical median of 28.61. Over the past decade, CB Bulgarian American Credit Bank AD's Net Margin % has ranged from 15.22 to 50.10. According to the industry distribution chart, CB Bulgarian American Credit Bank AD ranks #519 out of 1528 companies in the Banks industry, placing it in the top 34%.
Is CB Bulgarian American Credit Bank AD's Net Margin % too high?
CB Bulgarian American Credit Bank AD's current Net Margin % of 39.71% is 39% above median its 10-year median of 28.61. Over the past 10 years, this metric has ranged from a low of 15.22 to a high of 50.10. The Banks industry median Net Margin % is 26.85. CB Bulgarian American Credit Bank AD's value of 39.71% is 47.9% above this industry median. Based on the distribution chart, CB Bulgarian American Credit Bank AD ranks #519 out of 1528 companies in the Banks industry, which is above the industry midpoint. Overall, CB Bulgarian American Credit Bank AD has a GF Score™ of 65/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does CB Bulgarian American Credit Bank AD's Net Margin % compare to PNC and USB?
According to the Banks industry distribution chart, CB Bulgarian American Credit Bank AD ranks #519 out of 1528 companies for Net Margin %. This puts CB Bulgarian American Credit Bank AD in the upper half of its industry. The industry median Net Margin % is 26.85. CB Bulgarian American Credit Bank AD's value of 39.71% is 47.9% above this benchmark. Historically, CB Bulgarian American Credit Bank AD's own Net Margin % has ranged from 15.22 to 50.10 over the past decade. While the company's 10-year median is 28.61 vs. the industry median of 26.85, CB Bulgarian American Credit Bank AD 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 1,528 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. CB Bulgarian American Credit Bank AD's current Net Margin % of 39.71% is 47.9% 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 CB Bulgarian American Credit Bank AD 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. CB Bulgarian American Credit Bank AD's current Net Margin % is 39.71%, which is 39% above median its own 10-year median of 28.61. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CB Bulgarian American Credit Bank AD stock overvalued right now?
Based on GuruFocus' analysis, CB Bulgarian American Credit Bank AD (XBUL:BACB) is currently considered Significantly Undervalued. The stock's GF Value™ is €10.11, compared to a current price of €6.45 — trading 36.2% below its estimated fair value. The current Net Margin % is 39.71%, which is 39% above median its 10-year median of 28.61 and 47.9% above the Banks industry median of 26.85. CB Bulgarian American Credit Bank AD's overall GF Score™ is 65/100 with 2 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 CB Bulgarian American Credit Bank AD (XBUL:BACB), the current Net Margin % is 39.71% 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 CB Bulgarian American Credit Bank AD (XBUL:BACB) Overvalued in 2026?
Based on GuruFocus' analysis, CB Bulgarian American Credit Bank AD stock appears to be undervalued.
The current stock price of €6.45 is trading 36.2% below its estimated GF Value™ of €10.11.
GuruFocus considers CB Bulgarian American Credit Bank AD to be Significantly Undervalued.
Key valuation signals for XBUL:BACB:
Net Margin %: 39.71% (39% above median its 10-year median of 28.61)
GF Value™: €10.11 vs. price of €6.45 (36.2% below fair value)
Industry Position: 47.9% above the Banks median (#519 of 1528)
No single metric tells the full story. See the XBUL:BACB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
CB Bulgarian American Credit Bank AD Business Description
CB Bulgarian American Credit Bank AD is engaged in providing secured finance to small and medium-sized businesses in Bulgaria. The company has three segments: Construction, Real estate investments and land development, and Electricity production.
65GF Score
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