The historical rank and industry rank for Bendigo and Adelaide Bank's Pretax Margin % or its related term are showing as below:
ASX:BEN'
s Pretax Margin % Range Over the Past 10 Years
Min: 5.5 Med: 39.49 Max: 42.22
Current: 6.65
ASX:BEN's Pretax Margin % is ranked worse than 92.99% of 1527
companies
in the Banks industry
Industry Median: 34.88
vs ASX:BEN: 6.65
Bendigo and Adelaide Bank (ASX:BEN) 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.
Bendigo and Adelaide Bank Pretax Margin % Related Terms
Bendigo and Adelaide Bank Pretax 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, Bendigo and Adelaide 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.
Bendigo and Adelaide Bank Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Bendigo and Adelaide Bank's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Bendigo and Adelaide Bank's Pretax 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.
Bendigo and Adelaide Bank (ASX:BEN) has a Pretax Margin % of 33.43% as of Dec. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Bendigo and Adelaide Bank and its competitors. This is 15% below median its historical median of 39.49. Over the past decade, Bendigo and Adelaide Bank's Pretax Margin % has ranged from 5.50 to 42.22. According to the industry distribution chart, Bendigo and Adelaide Bank ranks #1420 out of 1527 companies in the Banks industry, placing it in the top 93%.
Is Bendigo and Adelaide Bank's Pretax Margin % too high?
Bendigo and Adelaide Bank's current Pretax Margin % of 33.43% is 15% below median its 10-year median of 39.49. Over the past 10 years, this metric has ranged from a low of 5.50 to a high of 42.22. The Banks industry median Pretax Margin % is 34.88. Bendigo and Adelaide Bank's value of 33.43% is 4.2% below this industry median. Based on the distribution chart, Bendigo and Adelaide Bank ranks #1420 out of 1527 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Bendigo and Adelaide 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 Bendigo and Adelaide Bank's Pretax Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Bendigo and Adelaide Bank ranks #1420 out of 1527 companies for Pretax Margin %. This places Bendigo and Adelaide Bank in the lower half of its industry. The industry median Pretax Margin % is 34.88. Bendigo and Adelaide Bank's value of 33.43% is 4.2% below this benchmark. Historically, Bendigo and Adelaide Bank's own Pretax Margin % has ranged from 5.50 to 42.22 over the past decade. While the company's 10-year median is 39.49 vs. the industry median of 34.88, Bendigo and Adelaide Bank 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 34.88, based on 1,527 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. Bendigo and Adelaide Bank's current Pretax Margin % of 33.43% is 4.2% 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 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 Bendigo and Adelaide Bank and its competitors. For the Banks industry, the median Pretax Margin % is 34.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bendigo and Adelaide Bank's current Pretax Margin % is 33.43%, which is 15% below median its own 10-year median of 39.49. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bendigo and Adelaide Bank stock overvalued right now?
Based on GuruFocus' analysis, Bendigo and Adelaide Bank (ASX:BEN) is currently considered Fairly Valued. The stock's GF Value™ is A$11.47, compared to a current price of A$10.46 — trading 8.8% below its estimated fair value. The current Pretax Margin % is 33.43%, which is 15% below median its 10-year median of 39.49 and 4.2% below the Banks industry median of 34.88. Bendigo and Adelaide Bank's overall GF Score™ is 61/100 with 6 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 Bendigo and Adelaide Bank (ASX:BEN), the current Pretax Margin % is 33.43% 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 Bendigo and Adelaide Bank (ASX:BEN) Overvalued in 2026?
Based on GuruFocus' analysis, Bendigo and Adelaide Bank stock appears to be undervalued.
The current stock price of A$10.46 is trading 8.8% below its estimated GF Value™ of A$11.47.
GuruFocus considers Bendigo and Adelaide Bank to be Fairly Valued.
Key valuation signals for ASX:BEN:
Pretax Margin %: 33.43% (15% below median its 10-year median of 39.49)
GF Value™: A$11.47 vs. price of A$10.46 (8.8% below fair value)
Industry Position: 4.2% below the Banks median (#1420 of 1527)
No single metric tells the full story. See the ASX:BEN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Founded in 1858 as the Bendigo Building Society as a leading regional bank operating in the consumer, small-business, and rural banking sectors, Bendigo gained public goodwill after rolling out branches in locations deserted by major banks in the late 1990s and early 2000s. The Adelaide Bank merger in 2007 diversified the bank into wholesale banking, while expanding the geographical footprint. It is a conservatively managed retail bank with a long history, a well-regarded retail franchise, and high levels of customer and shareholder loyalty.
61GF Score
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Pretax Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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