Abu Dhabi Commercial Bank (ADX:ADCB) Pretax Margin %: 71.90% (As of Mar. 2026) — 41% Above Median


ADX:ADCB Abu Dhabi Commercial Bank ADX:ADCB
61 GF Score
Price د.إ14.58
GF Value د.إ13.37
Valuation Fairly Valued
! 4 Warning Signs
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What is Abu Dhabi Commercial Bank Pretax Margin %?

Abu Dhabi Commercial Bank ADX:ADCB -0.68% 61 Pretax Margin % is 71.90% as of Mar. 2026, which is 41% above its 10-year median of 50.89. GuruFocus rates ADX:ADCB with a GF Score™ of 61/100 and a GF Value™ of د.إ13.37 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,530 Banks companies, Abu Dhabi Commercial Bank ranks better than 98.24% on this metric.

Pre-Tax margin is calculated as Pre-Tax Income divided by its Revenue. Abu Dhabi Commercial Bank's Pre-Tax Income for the three months ended in Mar. 2026 was د.إ3,781 Mil. Abu Dhabi Commercial Bank's Revenue for the three months ended in Mar. 2026 was د.إ5,259 Mil. Therefore, Abu Dhabi Commercial Bank's pretax margin for the quarter that ended in Mar. 2026 was 71.90%.

The historical rank and industry rank for Abu Dhabi Commercial Bank's Pretax Margin % or its related term are showing as below:

ADX:ADCB' s Pretax Margin % Range Over the Past 10 Years
Min: 32.1   Med: 50.89   Max: 75.95
Current: 75.95


ADX:ADCB's Pretax Margin % is ranked better than
98.24% of 1530 companies
in the Banks industry
Industry Median: 34.715 vs ADX:ADCB: 75.95

Abu Dhabi Commercial Bank  (ADX:ADCB) Pretax Margin % Explanation

The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.

The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.

It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.

The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.


Abu Dhabi Commercial Bank Pretax Margin % Related Terms


Abu Dhabi Commercial Bank Pretax Margin % Historical Data

* Premium members only.

The historical data trend for Abu Dhabi Commercial Bank's Pretax 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.

Abu Dhabi Commercial Bank Pretax Margin % Chart

Abu Dhabi Commercial Bank Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Pretax Margin %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 44.00 60.64 64.51 68.73 72.09

Abu Dhabi Commercial Bank Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Pretax Margin % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 68.96 53.03 53.86 311.32 71.90

Abu Dhabi Commercial Bank Pretax Margin % Competitor Comparison

For the Banks - Regional subindustry, Abu Dhabi Commercial Bank's Pretax Margin %, along with its competitors' market caps and Pretax 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.


Abu Dhabi Commercial Bank Pretax Margin % vs Banks Industry

For the Banks industry and Financial Services sector, Abu Dhabi Commercial Bank's Pretax Margin % distribution charts can be found below:

* The bar in red indicates where Abu Dhabi Commercial Bank's Pretax Margin % falls into.


ADX:ADCB
61GF Score
Abu Dhabi Commercial Bank ADX:ADCB
Pretax Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
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Abu Dhabi Commercial Bank Pretax Margin % Calculation

Pretax margin - also known as pretax profit margin is the ratio of Pretax Income divided by net sales or Revenue, usually presented in percent.

Abu Dhabi Commercial Bank's Pretax Margin for the fiscal year that ended in Dec. 2025 is calculated as

Pretax Margin=Pre-Tax Income (A: Dec. 2025 )/Revenue (A: Dec. 2025 )
=12843/17814
=72.09 %

Abu Dhabi Commercial Bank's Pretax Margin for the quarter that ended in Mar. 2026 is calculated as

Pretax Margin=Pre-Tax Income (Q: Mar. 2026 )/Revenue (Q: Mar. 2026 )
=3781/5259
=71.90 %

* 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.

Frequently Asked Questions Learn more about Pretax Margin % →
What does a Pretax Margin % of 71.90% mean?
Abu Dhabi Commercial Bank (ADX:ADCB) has a Pretax Margin % of 71.90% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Abu Dhabi Commercial Bank and its competitors. This is 41% above median its historical median of 50.89. Over the past decade, Abu Dhabi Commercial Bank's Pretax Margin % has ranged from 32.10 to 75.95. According to the industry distribution chart, Abu Dhabi Commercial Bank ranks #27 out of 1530 companies in the Banks industry, placing it in the top 1.8%.
Is Abu Dhabi Commercial Bank's Pretax Margin % too high?
Abu Dhabi Commercial Bank's current Pretax Margin % of 71.90% is 41% above median its 10-year median of 50.89. Over the past 10 years, this metric has ranged from a low of 32.10 to a high of 75.95. The Banks industry median Pretax Margin % is 34.72. Abu Dhabi Commercial Bank's value of 71.90% is 107.1% above this industry median. Based on the distribution chart, Abu Dhabi Commercial Bank ranks #27 out of 1530 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Abu Dhabi Commercial Bank has a GF Score™ of 61/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Abu Dhabi Commercial Bank's Pretax Margin % compare to competitors?
According to the Banks industry distribution chart, Abu Dhabi Commercial Bank ranks #27 out of 1530 companies for Pretax Margin %. This places Abu Dhabi Commercial Bank in the top 2% of its industry — outperforming the majority of peers. The industry median Pretax Margin % is 34.72. Abu Dhabi Commercial Bank's value of 71.90% is 107.1% above this benchmark. Historically, Abu Dhabi Commercial Bank's own Pretax Margin % has ranged from 32.10 to 75.95 over the past decade. While the company's 10-year median is 50.89 vs. the industry median of 34.72, Abu Dhabi Commercial Bank 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 34.72, based on 1,530 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Abu Dhabi Commercial Bank's current Pretax Margin % of 71.90% is 107.1% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Abu Dhabi Commercial Bank and its competitors. For the Banks industry, the median Pretax Margin % is 34.72 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Abu Dhabi Commercial Bank's current Pretax Margin % is 71.90%, which is 41% above median its own 10-year median of 50.89. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Abu Dhabi Commercial Bank stock overvalued right now?
Based on GuruFocus' analysis, Abu Dhabi Commercial Bank (ADX:ADCB) is currently considered Fairly Valued. The stock's GF Value™ is د.إ13.37, compared to a current price of د.إ14.58 — trading 9.1% above its estimated fair value. The current Pretax Margin % is 71.90%, which is 41% above median its 10-year median of 50.89 and 107.1% above the Banks industry median of 34.72. Abu Dhabi Commercial Bank's overall GF Score™ is 61/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Abu Dhabi Commercial Bank (ADX:ADCB), the current Pretax Margin % is 71.90% 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 Abu Dhabi Commercial Bank (ADX:ADCB) Overvalued in 2026?

Based on GuruFocus' analysis, Abu Dhabi Commercial Bank stock appears to be overvalued. The current stock price of د.إ14.58 is trading 9.1% above its estimated GF Value™ of د.إ13.37. GuruFocus considers Abu Dhabi Commercial Bank to be Fairly Valued.

Key valuation signals for ADX:ADCB:

  • Pretax Margin %: 71.90% (41% above median its 10-year median of 50.89)
  • GF Value™: د.إ13.37 vs. price of د.إ14.58 (9.1% above fair value)
  • GF Score™: 61/100 with 4 warning signs
  • Industry Position: 107.1% above the Banks median (#27 of 1530)

No single metric tells the full story. See the ADX:ADCB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Abu Dhabi Commercial Bank Business Description

Address Sheikh Zayed Bin Sultan Street, Head Office Building, Plot C- 33, Sector E-11, P. O. Box 939, Abu Dhabi, ARE
Abu Dhabi Commercial Bank is principally engaged in the business of retail, commercial and Islamic banking, and provision of other financial services. Its segments include Retail banking, Private banking, Corporate and investment banking, Investments and treasury, and Others. The majority of the revenue is derived from Corporate and investment banking segment that comprises of business banking, cash management, trade finance, corporate finance, small and medium enterprise financing, investment banking, Islamic financing, infrastructure and asset finance, government and public enterprises. It includes loans, deposits and other transactions and balances with corporate customers.
61GF Score

Get the complete analysis for ADX:ADCB

Pretax Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

د.إ14.58
Price
د.إ13.37
GF Value