Banque Nationale AgricoleXTUN:BNA 76 Net Margin % is 23.24% as of Dec. 2025, which is 11% above its 10-year median of 20.92. GuruFocus rates XTUN:BNA with a GF Score™ of 76/100 and a GF Value™ of TND9.42 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,525 Banks companies, Banque Nationale Agricole ranks worse than 62.16% on this metric.
The historical rank and industry rank for Banque Nationale Agricole's Net Margin % or its related term are showing as below:
XTUN:BNA'
s Net Margin % Range Over the Past 10 Years
Min: 15.07 Med: 20.92 Max: 32.22
Current: 23.24
XTUN:BNA's Net Margin % is ranked worse than 62.16% of 1525
companies
in the Banks industry
Industry Median: 26.87
vs XTUN:BNA: 23.24
Banque Nationale Agricole (XTUN:BNA) 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.
Banque Nationale Agricole Net Margin % Related Terms
Banque Nationale Agricole 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.
For the Banks - Regional subindustry, Banque Nationale Agricole'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.
Banque Nationale Agricole Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Banque Nationale Agricole's Net Margin % distribution charts can be found below:
* The bar in red indicates where Banque Nationale Agricole'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.
Banque Nationale Agricole (XTUN:BNA) has a Net Margin % of 23.24% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Banque Nationale Agricole and its competitors. This is 11% above median its historical median of 20.92. Over the past decade, Banque Nationale Agricole's Net Margin % has ranged from 15.07 to 32.22. According to the industry distribution chart, Banque Nationale Agricole ranks #948 out of 1525 companies in the Banks industry, placing it in the top 62.2%.
Is Banque Nationale Agricole's Net Margin % too high?
Banque Nationale Agricole's current Net Margin % of 23.24% is 11% above median its 10-year median of 20.92. Over the past 10 years, this metric has ranged from a low of 15.07 to a high of 32.22. The Banks industry median Net Margin % is 26.87. Banque Nationale Agricole's value of 23.24% is 13.5% below this industry median. Based on the distribution chart, Banque Nationale Agricole ranks #948 out of 1525 companies in the Banks industry, which is below the industry midpoint. Overall, Banque Nationale Agricole has a GF Score™ of 76/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banque Nationale Agricole's Net Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Banque Nationale Agricole ranks #948 out of 1525 companies for Net Margin %. This places Banque Nationale Agricole in the lower half of its industry. The industry median Net Margin % is 26.87. Banque Nationale Agricole's value of 23.24% is 13.5% below this benchmark. Historically, Banque Nationale Agricole's own Net Margin % has ranged from 15.07 to 32.22 over the past decade. While the company's 10-year median is 20.92 vs. the industry median of 26.87, Banque Nationale Agricole 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 26.87, based on 1,525 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. Banque Nationale Agricole's current Net Margin % of 23.24% is 13.5% 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 Banque Nationale Agricole 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. Banque Nationale Agricole's current Net Margin % is 23.24%, which is 11% above median its own 10-year median of 20.92. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banque Nationale Agricole stock overvalued right now?
Based on GuruFocus' analysis, Banque Nationale Agricole (XTUN:BNA) is currently considered Significantly Overvalued. The stock's GF Value™ is TND9.42, compared to a current price of TND21.81 — trading 131.5% above its estimated fair value. The current Net Margin % is 23.24%, which is 11% above median its 10-year median of 20.92 and 13.5% below the Banks industry median of 26.87. Banque Nationale Agricole's overall GF Score™ is 76/100 with 6 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 Banque Nationale Agricole (XTUN:BNA), the current Net Margin % is 23.24% 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 Banque Nationale Agricole (XTUN:BNA) Overvalued in 2026?
Based on GuruFocus' analysis, Banque Nationale Agricole stock appears to be overvalued.
The current stock price of TND21.81 is trading 131.5% above its estimated GF Value™ of TND9.42.
GuruFocus considers Banque Nationale Agricole to be Significantly Overvalued.
Key valuation signals for XTUN:BNA:
Net Margin %: 23.24% (11% above median its 10-year median of 20.92)
GF Value™: TND9.42 vs. price of TND21.81 (131.5% above fair value)
Industry Position: 13.5% below the Banks median (#948 of 1525)
No single metric tells the full story. See the XTUN:BNA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Banque Nationale Agricole SA is engaged in providing banking services. The activities of the bank include accepting deposits, granting loans, credit financing, and other services.
76GF Score
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