Banco InternacionalXSGO:BINT 52 Net Margin % is 34.49% as of Dec. 2025, which is 39% above its 10-year median of 24.80. GuruFocus rates XSGO:BINT with a GF Score™ of 52/100 and a GF Value™ of CLP88.20 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,527 Banks companies, Banco Internacional ranks worse than 60.25% on this metric.
The historical rank and industry rank for Banco Internacional's Net Margin % or its related term are showing as below:
XSGO:BINT'
s Net Margin % Range Over the Past 10 Years
Min: 19.69 Med: 24.8 Max: 35.32
Current: 23.82
XSGO:BINT's Net Margin % is ranked worse than 60.25% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs XSGO:BINT: 23.82
Banco Internacional (XSGO:BINT) 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.
Banco Internacional Net Margin % Related Terms
Banco Internacional Net Margin % Historical Data
* Premium members only.
The historical data trend for Banco Internacional'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.
For the Banks - Regional subindustry, Banco Internacional'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.
Banco Internacional Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Banco Internacional's Net Margin % distribution charts can be found below:
* The bar in red indicates where Banco Internacional'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.
Banco Internacional (XSGO:BINT) has a Net Margin % of 34.49% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Banco Internacional and its competitors. This is 39% above median its historical median of 24.80. Over the past decade, Banco Internacional's Net Margin % has ranged from 19.69 to 35.32. According to the industry distribution chart, Banco Internacional ranks #920 out of 1527 companies in the Banks industry, placing it in the top 60.2%.
Is Banco Internacional's Net Margin % too high?
Banco Internacional's current Net Margin % of 34.49% is 39% above median its 10-year median of 24.80. Over the past 10 years, this metric has ranged from a low of 19.69 to a high of 35.32. The Banks industry median Net Margin % is 26.95. Banco Internacional's value of 34.49% is 28% above this industry median. Based on the distribution chart, Banco Internacional ranks #920 out of 1527 companies in the Banks industry, which is below the industry midpoint. Overall, Banco Internacional has a GF Score™ of 52/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banco Internacional's Net Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Banco Internacional ranks #920 out of 1527 companies for Net Margin %. This places Banco Internacional in the lower half of its industry. The industry median Net Margin % is 26.95. Banco Internacional's value of 34.49% is 28% above this benchmark. Historically, Banco Internacional's own Net Margin % has ranged from 19.69 to 35.32 over the past decade. While the company's 10-year median is 24.80 vs. the industry median of 26.95, Banco Internacional 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 26.95, 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. Banco Internacional's current Net Margin % of 34.49% is 28% 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 Banco Internacional 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. Banco Internacional's current Net Margin % is 34.49%, which is 39% above median its own 10-year median of 24.80. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banco Internacional stock overvalued right now?
Based on GuruFocus' analysis, Banco Internacional (XSGO:BINT) is currently considered Significantly Overvalued. The stock's GF Value™ is CLP88.20, compared to a current price of CLP122.39 — trading 38.8% above its estimated fair value. The current Net Margin % is 34.49%, which is 39% above median its 10-year median of 24.80 and 28% above the Banks industry median of 26.95. Banco Internacional's overall GF Score™ is 52/100 with 5 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 Banco Internacional (XSGO:BINT), the current Net Margin % is 34.49% 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 Banco Internacional (XSGO:BINT) Overvalued in 2026?
Based on GuruFocus' analysis, Banco Internacional stock appears to be overvalued.
The current stock price of CLP122.39 is trading 38.8% above its estimated GF Value™ of CLP88.20.
GuruFocus considers Banco Internacional to be Significantly Overvalued.
Key valuation signals for XSGO:BINT:
Net Margin %: 34.49% (39% above median its 10-year median of 24.80)
GF Value™: CLP88.20 vs. price of CLP122.39 (38.8% above fair value)
Industry Position: 28% above the Banks median (#920 of 1527)
No single metric tells the full story. See the XSGO:BINT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Banco Internacional is engaged in providing banking products and services including retail & corporate banking including current accounts, insurance, leasing, factoring, money market and agricultural banking. It also provides mortgage credit, consumer credit, and online bank service. The operating segments of the company are: Commercial Banking; Personal Banking; and Treasury and Investments.
52GF Score
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