BSP Financial GroupASX:BFL +0.61%58 Pretax Margin % is 54.31% as of Dec. 2025, which is 2% below its 10-year median of 55.56. GuruFocus rates ASX:BFL with a GF Score™ of 58/100 and a GF Value™ of A$7.96 (Fairly Valued). The stock has 1 warning sign investors should review. Among 1,530 Banks companies, BSP Financial Group ranks better than 87.45% on this metric.
The historical rank and industry rank for BSP Financial Group's Pretax Margin % or its related term are showing as below:
ASX:BFL'
s Pretax Margin % Range Over the Past 10 Years
Min: 54.21 Med: 55.56 Max: 65.17
Current: 54.21
ASX:BFL's Pretax Margin % is ranked better than 87.45% of 1530
companies
in the Banks industry
Industry Median: 34.715
vs ASX:BFL: 54.21
BSP Financial Group (ASX:BFL) 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.
BSP Financial Group Pretax Margin % Related Terms
BSP Financial Group Pretax Margin % Historical Data
* Premium members only.
The historical data trend for BSP Financial Group'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.
For the Banks - Regional subindustry, BSP Financial Group'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.
BSP Financial Group Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, BSP Financial Group's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where BSP Financial Group'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.
BSP Financial Group (ASX:BFL) has a Pretax Margin % of 54.31% as of Dec. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on BSP Financial Group and its competitors. This is near median its historical median of 55.56. Over the past decade, BSP Financial Group's Pretax Margin % has ranged from 54.21 to 65.17. According to the industry distribution chart, BSP Financial Group ranks #192 out of 1530 companies in the Banks industry, placing it in the top 12.5%.
Is BSP Financial Group's Pretax Margin % too high?
BSP Financial Group's current Pretax Margin % of 54.31% is near median its 10-year median of 55.56. Over the past 10 years, this metric has ranged from a low of 54.21 to a high of 65.17. The Banks industry median Pretax Margin % is 34.72. BSP Financial Group's value of 54.31% is 56.4% above this industry median. Based on the distribution chart, BSP Financial Group ranks #192 out of 1530 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, BSP Financial Group has a GF Score™ of 58/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does BSP Financial Group's Pretax Margin % compare to PNC and USB?
According to the Banks industry distribution chart, BSP Financial Group ranks #192 out of 1530 companies for Pretax Margin %. This places BSP Financial Group in the top 13% of its industry — outperforming the majority of peers. The industry median Pretax Margin % is 34.72. BSP Financial Group's value of 54.31% is 56.4% above this benchmark. Historically, BSP Financial Group's own Pretax Margin % has ranged from 54.21 to 65.17 over the past decade. While the company's 10-year median is 55.56 vs. the industry median of 34.72, BSP Financial Group 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. BSP Financial Group's current Pretax Margin % of 54.31% is 56.4% 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 BSP Financial Group 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. BSP Financial Group's current Pretax Margin % is 54.31%, which is near median its own 10-year median of 55.56. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is BSP Financial Group stock overvalued right now?
Based on GuruFocus' analysis, BSP Financial Group (ASX:BFL) is currently considered Fairly Valued. The stock's GF Value™ is A$7.96, compared to a current price of A$8.25 — trading 3.6% above its estimated fair value. The current Pretax Margin % is 54.31%, which is near median its 10-year median of 55.56 and 56.4% above the Banks industry median of 34.72. BSP Financial Group's overall GF Score™ is 58/100 with 1 warning sign 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 BSP Financial Group (ASX:BFL), the current Pretax Margin % is 54.31% 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 BSP Financial Group (ASX:BFL) Overvalued in 2026?
Based on GuruFocus' analysis, BSP Financial Group stock appears to be overvalued.
The current stock price of A$8.25 is trading 3.6% above its estimated GF Value™ of A$7.96.
GuruFocus considers BSP Financial Group to be Fairly Valued.
Key valuation signals for ASX:BFL:
Pretax Margin %: 54.31% (near median its 10-year median of 55.56)
GF Value™: A$7.96 vs. price of A$8.25 (3.6% above fair value)
Industry Position: 56.4% above the Banks median (#192 of 1530)
No single metric tells the full story. See the ASX:BFL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
BSP Financial Group Ltd is a diversified business covering banking, asset finance, life insurance, and fund management. The company's operating segments include banking services, split into PNG Bank and Offshore Banks, and non-banking services, which comprise insurance operations, fund management, and asset financing activities. It generates a vast majority of its revenues from the PNG Bank segment. Geographically, the company operates in Papua New Guinea, Fiji, Solomon Islands, Cook Islands, Tonga, Samoa, Vanuatu, Cambodia, and Laos.
58GF Score
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