Allianz Ayudhya CapitalBKK:AYUD 82 Pretax Margin % is 42.57% as of Mar. 2026, which is 95% above its 10-year median of 21.80. GuruFocus rates BKK:AYUD with a GF Score™ of 82/100 and a GF Value™ of ฿51.88 (Modestly Undervalued). The stock has 5 warning signs investors should review. Among 503 Insurance companies, Allianz Ayudhya Capital ranks better than 75.94% on this metric.
The historical rank and industry rank for Allianz Ayudhya Capital's Pretax Margin % or its related term are showing as below:
BKK:AYUD'
s Pretax Margin % Range Over the Past 10 Years
Min: 5.05 Med: 21.8 Max: 33.18
Current: 20.94
BKK:AYUD's Pretax Margin % is ranked better than 75.94% of 503
companies
in the Insurance industry
Industry Median: 12
vs BKK:AYUD: 20.94
Allianz Ayudhya Capital (BKK:AYUD) 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.
Allianz Ayudhya Capital Pretax Margin % Related Terms
Allianz Ayudhya Capital 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.
BKK:AYUD vs CB, PGR, TRV: Pretax Margin % Comparison
For the Insurance - Property & Casualty subindustry, Allianz Ayudhya Capital'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.
Allianz Ayudhya Capital Pretax Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Allianz Ayudhya Capital's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Allianz Ayudhya Capital'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.
Allianz Ayudhya Capital (BKK:AYUD) has a Pretax Margin % of 42.57% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Allianz Ayudhya Capital and its competitors. This is 95% above median its historical median of 21.80. Over the past decade, Allianz Ayudhya Capital's Pretax Margin % has ranged from 5.05 to 33.18. According to the industry distribution chart, Allianz Ayudhya Capital ranks #121 out of 503 companies in the Insurance industry, placing it in the top 24.1%.
Is Allianz Ayudhya Capital's Pretax Margin % too high?
Allianz Ayudhya Capital's current Pretax Margin % of 42.57% is 95% above median its 10-year median of 21.80. Over the past 10 years, this metric has ranged from a low of 5.05 to a high of 33.18. The Insurance industry median Pretax Margin % is 12.00. Allianz Ayudhya Capital's value of 42.57% is 254.8% above this industry median. Based on the distribution chart, Allianz Ayudhya Capital ranks #121 out of 503 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Allianz Ayudhya Capital has a GF Score™ of 82/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Allianz Ayudhya Capital's Pretax Margin % compare to CB and PGR?
According to the Insurance industry distribution chart, Allianz Ayudhya Capital ranks #121 out of 503 companies for Pretax Margin %. This places Allianz Ayudhya Capital in the top 24% of its industry — outperforming the majority of peers. The industry median Pretax Margin % is 12.00. Allianz Ayudhya Capital's value of 42.57% is 254.8% above this benchmark. Historically, Allianz Ayudhya Capital's own Pretax Margin % has ranged from 5.05 to 33.18 over the past decade. While the company's 10-year median is 21.80 vs. the industry median of 12.00, Allianz Ayudhya Capital 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 an Insurance company?
The median Pretax Margin % among Insurance companies is 12.00, based on 503 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. Allianz Ayudhya Capital's current Pretax Margin % of 42.57% is 254.8% 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 Allianz Ayudhya Capital and its competitors. For the Insurance industry, the median Pretax Margin % is 12.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Allianz Ayudhya Capital's current Pretax Margin % is 42.57%, which is 95% above median its own 10-year median of 21.80. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Allianz Ayudhya Capital stock overvalued right now?
Based on GuruFocus' analysis, Allianz Ayudhya Capital (BKK:AYUD) is currently considered Modestly Undervalued. The stock's GF Value™ is ฿51.88, compared to a current price of ฿40.50 — trading 21.9% below its estimated fair value. The current Pretax Margin % is 42.57%, which is 95% above median its 10-year median of 21.80 and 254.8% above the Insurance industry median of 12.00. Allianz Ayudhya Capital's overall GF Score™ is 82/100 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 Allianz Ayudhya Capital (BKK:AYUD), the current Pretax Margin % is 42.57% 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 Allianz Ayudhya Capital (BKK:AYUD) Overvalued in 2026?
Based on GuruFocus' analysis, Allianz Ayudhya Capital stock appears to be undervalued.
The current stock price of ฿40.50 is trading 21.9% below its estimated GF Value™ of ฿51.88.
GuruFocus considers Allianz Ayudhya Capital to be Modestly Undervalued.
Key valuation signals for BKK:AYUD:
Pretax Margin %: 42.57% (95% above median its 10-year median of 21.80)
GF Value™: ฿51.88 vs. price of ฿40.50 (21.9% below fair value)
Industry Position: 254.8% above the Insurance median (#121 of 503)
No single metric tells the full story. See the BKK:AYUD stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Allianz Ayudhya Capital PLC is an investment holding company. The company is engaged in providing individual insurance such as motor insurance, personal accidents insurance, travel accidents insurance, fire insurance, cancer insurance and others. It is involved in non-life insurance business covering for loss or damage of insured properties, such as constructions, commercial and residential buildings, factories, and merchandise, marine and transportation insurance. The company is operating in three principal business segments Non-life insurance business generating the key revenue, Service business and Investment business, which are only organized and managed in a single geographic area, namely in Thailand.
82GF Score
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