The historical rank and industry rank for AGRAM BANKA dionicko drustvo's Net Margin % or its related term are showing as below:
ZAG:KBZ'
s Net Margin % Range Over the Past 10 Years
Min: 11.95 Med: 28.31 Max: 37.54
Current: 31.43
ZAG:KBZ's Net Margin % is ranked better than 65.82% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs ZAG:KBZ: 31.43
AGRAM BANKA dionicko drustvo (ZAG:KBZ) 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.
AGRAM BANKA dionicko drustvo Net Margin % Related Terms
AGRAM BANKA dionicko drustvo 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, AGRAM BANKA dionicko drustvo'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.
AGRAM BANKA dionicko drustvo Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, AGRAM BANKA dionicko drustvo's Net Margin % distribution charts can be found below:
* The bar in red indicates where AGRAM BANKA dionicko drustvo'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.
AGRAM BANKA dionicko drustvo (ZAG:KBZ) has a Net Margin % of 30.04% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on AGRAM BANKA dionicko drustvo and its competitors. This is near median its historical median of 28.31. Over the past decade, AGRAM BANKA dionicko drustvo's Net Margin % has ranged from 11.95 to 37.54. According to the industry distribution chart, AGRAM BANKA dionicko drustvo ranks #522 out of 1527 companies in the Banks industry, placing it in the top 34.2%.
Is AGRAM BANKA dionicko drustvo's Net Margin % too high?
AGRAM BANKA dionicko drustvo's current Net Margin % of 30.04% is near median its 10-year median of 28.31. Over the past 10 years, this metric has ranged from a low of 11.95 to a high of 37.54. The Banks industry median Net Margin % is 26.95. AGRAM BANKA dionicko drustvo's value of 30.04% is 11.5% above this industry median. Based on the distribution chart, AGRAM BANKA dionicko drustvo ranks #522 out of 1527 companies in the Banks industry, which is above the industry midpoint. Overall, AGRAM BANKA dionicko drustvo has a GF Score™ of 80/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does AGRAM BANKA dionicko drustvo's Net Margin % compare to PNC and USB?
According to the Banks industry distribution chart, AGRAM BANKA dionicko drustvo ranks #522 out of 1527 companies for Net Margin %. This puts AGRAM BANKA dionicko drustvo in the upper half of its industry. The industry median Net Margin % is 26.95. AGRAM BANKA dionicko drustvo's value of 30.04% is 11.5% above this benchmark. Historically, AGRAM BANKA dionicko drustvo's own Net Margin % has ranged from 11.95 to 37.54 over the past decade. While the company's 10-year median is 28.31 vs. the industry median of 26.95, AGRAM BANKA dionicko drustvo 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. AGRAM BANKA dionicko drustvo's current Net Margin % of 30.04% is 11.5% 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 AGRAM BANKA dionicko drustvo 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. AGRAM BANKA dionicko drustvo's current Net Margin % is 30.04%, which is near median its own 10-year median of 28.31. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is AGRAM BANKA dionicko drustvo stock overvalued right now?
Based on GuruFocus' analysis, AGRAM BANKA dionicko drustvo (ZAG:KBZ) is currently considered Fairly Valued. The stock's GF Value™ is €35.56, compared to a current price of €38.00 — trading 6.9% above its estimated fair value. The current Net Margin % is 30.04%, which is near median its 10-year median of 28.31 and 11.5% above the Banks industry median of 26.95. AGRAM BANKA dionicko drustvo's overall GF Score™ is 80/100 with 4 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 AGRAM BANKA dionicko drustvo (ZAG:KBZ), the current Net Margin % is 30.04% 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 AGRAM BANKA dionicko drustvo (ZAG:KBZ) Overvalued in 2026?
Based on GuruFocus' analysis, AGRAM BANKA dionicko drustvo stock appears to be overvalued.
The current stock price of €38.00 is trading 6.9% above its estimated GF Value™ of €35.56.
GuruFocus considers AGRAM BANKA dionicko drustvo to be Fairly Valued.
Key valuation signals for ZAG:KBZ:
Net Margin %: 30.04% (near median its 10-year median of 28.31)
GF Value™: €35.56 vs. price of €38.00 (6.9% above fair value)
Industry Position: 11.5% above the Banks median (#522 of 1527)
No single metric tells the full story. See the ZAG:KBZ stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
AGRAM BANKA dionicko drustvo provides banking services. The company's operating segment includes Business banking; Retail banking; and Treasury. It generates maximum revenue from Business banking which entails loan guarantees and deposit operations, card operations, and other transactions with clients who are legal entities. Geographically, it has a presence in Germany; Italy; Croatia; Austria; the United States of America, and Spain.
80GF Score
Get the complete analysis for ZAG:KBZ
Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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