Bawag Group AGBAWAY -0.63%56 Pretax Margin % is 46.30% as of Dec. 2025, which is 5% below its 10-year median of 48.58. GuruFocus rates BAWAY with a GF Score™ of 56/100 and a GF Value™ of $31.24 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,527 Banks companies, Bawag Group AG ranks better than 83.76% on this metric.
The historical rank and industry rank for Bawag Group AG's Pretax Margin % or its related term are showing as below:
BAWAY'
s Pretax Margin % Range Over the Past 10 Years
Min: 29.27 Med: 48.58 Max: 59.62
Current: 50.85
BAWAY's Pretax Margin % is ranked better than 83.76% of 1527
companies
in the Banks industry
Industry Median: 34.88
vs BAWAY: 50.85
Bawag Group AG (OTCPK:BAWAY) 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.
Bawag Group AG Pretax Margin % Related Terms
Bawag Group AG Pretax Margin % Historical Data
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The historical data trend for Bawag Group AG'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, Bawag Group AG'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.
Bawag Group AG Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Bawag Group AG's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Bawag Group AG'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.
Bawag Group AG (BAWAY) has a Pretax Margin % of 46.30% as of Dec. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Bawag Group AG and its competitors. This is near median its historical median of 48.58. Over the past decade, Bawag Group AG's Pretax Margin % has ranged from 29.27 to 59.62. According to the industry distribution chart, Bawag Group AG ranks #248 out of 1527 companies in the Banks industry, placing it in the top 16.2%.
Is Bawag Group AG's Pretax Margin % too high?
Bawag Group AG's current Pretax Margin % of 46.30% is near median its 10-year median of 48.58. Over the past 10 years, this metric has ranged from a low of 29.27 to a high of 59.62. The Banks industry median Pretax Margin % is 34.88. Bawag Group AG's value of 46.30% is 32.7% above this industry median. Based on the distribution chart, Bawag Group AG ranks #248 out of 1527 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Bawag Group AG has a GF Score™ of 56/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bawag Group AG's Pretax Margin % compare to PNC?
According to the Banks industry distribution chart, Bawag Group AG ranks #248 out of 1527 companies for Pretax Margin %. This places Bawag Group AG in the top 16% of its industry — outperforming the majority of peers. The industry median Pretax Margin % is 34.88. Bawag Group AG's value of 46.30% is 32.7% above this benchmark. Historically, Bawag Group AG's own Pretax Margin % has ranged from 29.27 to 59.62 over the past decade. While the company's 10-year median is 48.58 vs. the industry median of 34.88, Bawag Group AG 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 34.88, 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. Bawag Group AG's current Pretax Margin % of 46.30% is 32.7% 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 Bawag Group AG 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. Bawag Group AG's current Pretax Margin % is 46.30%, which is near median its own 10-year median of 48.58. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bawag Group AG stock overvalued right now?
Based on GuruFocus' analysis, Bawag Group AG (BAWAY) is currently considered Significantly Overvalued. The stock's GF Value™ is $31.24, compared to a current price of $48.69 — trading 55.9% above its estimated fair value. The current Pretax Margin % is 46.30%, which is near median its 10-year median of 48.58 and 32.7% above the Banks industry median of 34.88. Bawag Group AG's overall GF Score™ is 56/100 with 5 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 Bawag Group AG (BAWAY), the current Pretax Margin % is 46.30% 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 Bawag Group AG (BAWAY) Overvalued in 2026?
Based on GuruFocus' analysis, Bawag Group AG stock appears to be overvalued.
The current stock price of $48.69 is trading 55.9% above its estimated GF Value™ of $31.24.
GuruFocus considers Bawag Group AG to be Significantly Overvalued.
Key valuation signals for BAWAY:
Pretax Margin %: 46.30% (near median its 10-year median of 48.58)
GF Value™: $31.24 vs. price of $48.69 (55.9% above fair value)
Industry Position: 32.7% above the Banks median (#248 of 1527)
No single metric tells the full story. See the BAWAY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bawag Group AG provides banking and financial products and services. The company serves retail, small business, and corporate customers offering comprehensive savings, payment, lending, leasing, investment, building society, and insurance products and services through various online and offline channels. The operating business segments of the company are Retail & SME, Corporates, Real Estate & Public Sector, Treasury and Corporate Center. The majority of the company's revenue is derived from the Retail& SME segment.
56GF Score
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