The historical rank and industry rank for Union Internationale de Banques's Net Margin % or its related term are showing as below:
XTUN:UIB'
s Net Margin % Range Over the Past 10 Years
Min: 13.31 Med: 25.38 Max: 30.16
Current: 17.8
XTUN:UIB's Net Margin % is ranked worse than 75.51% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs XTUN:UIB: 17.80
Union Internationale de Banques (XTUN:UIB) 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.
Union Internationale de Banques Net Margin % Related Terms
Union Internationale de Banques 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.
Union Internationale de Banques Net Margin % Chart
For the Banks - Regional subindustry, Union Internationale de Banques'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.
Union Internationale de Banques Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Union Internationale de Banques's Net Margin % distribution charts can be found below:
* The bar in red indicates where Union Internationale de Banques'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.
Union Internationale de Banques (XTUN:UIB) has a Net Margin % of 17.80% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Union Internationale de Banques and its competitors. This is 30% below median its historical median of 25.38. Over the past decade, Union Internationale de Banques' Net Margin % has ranged from 13.31 to 30.16. According to the industry distribution chart, Union Internationale de Banques ranks #1153 out of 1527 companies in the Banks industry, placing it in the top 75.5%.
Is Union Internationale de Banques' Net Margin % too high?
Union Internationale de Banques' current Net Margin % of 17.80% is 30% below median its 10-year median of 25.38. Over the past 10 years, this metric has ranged from a low of 13.31 to a high of 30.16. The Banks industry median Net Margin % is 26.95. Union Internationale de Banques' value of 17.80% is 34% below this industry median. Based on the distribution chart, Union Internationale de Banques ranks #1153 out of 1527 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Union Internationale de Banques has a GF Score™ of 82/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Union Internationale de Banques' Net Margin % compare to PNC?
According to the Banks industry distribution chart, Union Internationale de Banques ranks #1153 out of 1527 companies for Net Margin %. This places Union Internationale de Banques in the lower half of its industry. The industry median Net Margin % is 26.95. Union Internationale de Banques' value of 17.80% is 34% below this benchmark. Historically, Union Internationale de Banques' own Net Margin % has ranged from 13.31 to 30.16 over the past decade. While the company's 10-year median is 25.38 vs. the industry median of 26.95, Union Internationale de Banques 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. Union Internationale de Banques's current Net Margin % of 17.80% is 34% 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 Union Internationale de Banques 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. Union Internationale de Banques's current Net Margin % is 17.80%, which is 30% below median its own 10-year median of 25.38. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Union Internationale de Banques stock overvalued right now?
Based on GuruFocus' analysis, Union Internationale de Banques (XTUN:UIB) is currently considered Fairly Valued. The stock's GF Value™ is TND24.67, compared to a current price of TND27.00 — trading 9.4% above its estimated fair value. The current Net Margin % is 17.80%, which is 30% below median its 10-year median of 25.38 and 34% below the Banks industry median of 26.95. Union Internationale de Banques' overall GF Score™ is 82/100 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 Union Internationale de Banques (XTUN:UIB), the current Net Margin % is 17.80% 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 Union Internationale de Banques (XTUN:UIB) Overvalued in 2026?
Based on GuruFocus' analysis, Union Internationale de Banques stock appears to be overvalued.
The current stock price of TND27.00 is trading 9.4% above its estimated GF Value™ of TND24.67.
GuruFocus considers Union Internationale de Banques to be Fairly Valued.
Key valuation signals for XTUN:UIB:
Net Margin %: 17.80% (30% below median its 10-year median of 25.38)
GF Value™: TND24.67 vs. price of TND27.00 (9.4% above fair value)
Industry Position: 34% below the Banks median (#1153 of 1527)
No single metric tells the full story. See the XTUN:UIB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Union Internationale de Banques Business Description
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