BCO Nordeste do Brasil (BSP:BNBR3) Pretax Margin %: 25.28% (As of Mar. 2026) — 21% Below Median

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BSP:BNBR3 BCO Nordeste do Brasil SA BSP:BNBR3
59 GF Score
Price R$106.52
GF Value R$117.37
Valuation Fairly Valued
! 3 Warning Signs
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What is BCO Nordeste do Brasil Pretax Margin %?

BCO Nordeste do Brasil BSP:BNBR3 -4.89% 59 Pretax Margin % is 25.28% as of Mar. 2026, which is 21% below its 10-year median of 31.95. GuruFocus rates BSP:BNBR3 with a GF Score™ of 59/100 and a GF Value™ of R$117.37 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,525 Banks companies, BCO Nordeste do Brasil ranks better than 52.13% on this metric.

Pre-Tax margin is calculated as Pre-Tax Income divided by its Revenue. BCO Nordeste do Brasil's Pre-Tax Income for the three months ended in Mar. 2026 was R$901 Mil. BCO Nordeste do Brasil's Revenue for the three months ended in Mar. 2026 was R$3,564 Mil. Therefore, BCO Nordeste do Brasil's pretax margin for the quarter that ended in Mar. 2026 was 25.28%.

The historical rank and industry rank for BCO Nordeste do Brasil's Pretax Margin % or its related term are showing as below:

BSP:BNBR3' s Pretax Margin % Range Over the Past 10 Years
Min: 7.32   Med: 31.95   Max: 35.79
Current: 35.79


BSP:BNBR3's Pretax Margin % is ranked better than
52.13% of 1525 companies
in the Banks industry
Industry Median: 34.96 vs BSP:BNBR3: 35.79

BCO Nordeste do Brasil  (BSP:BNBR3) 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.


BCO Nordeste do Brasil Pretax Margin % Related Terms


BCO Nordeste do Brasil Pretax Margin % Historical Data

* Premium members only.

The historical data trend for BCO Nordeste do Brasil'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.

BCO Nordeste do Brasil Pretax Margin % Chart

BCO Nordeste do Brasil 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 33.98 32.45 31.61 35.44 35.48

BCO Nordeste do Brasil 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 22.95 42.81 40.52 34.68 25.28

BCO Nordeste do Brasil Pretax Margin % Competitor Comparison

For the Banks - Regional subindustry, BCO Nordeste do Brasil'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.


BCO Nordeste do Brasil Pretax Margin % vs Banks Industry

For the Banks industry and Financial Services sector, BCO Nordeste do Brasil's Pretax Margin % distribution charts can be found below:

* The bar in red indicates where BCO Nordeste do Brasil's Pretax Margin % falls into.


BSP:BNBR3
59GF Score
BCO Nordeste do Brasil SA BSP:BNBR3
Pretax Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

BCO Nordeste do Brasil 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.

BCO Nordeste do Brasil'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 )
=4903.948/13823.094
=35.48 %

BCO Nordeste do Brasil'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 )
=901.252/3564.491
=25.28 %

* 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 25.28% mean?
BCO Nordeste do Brasil (BSP:BNBR3) has a Pretax Margin % of 25.28% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on BCO Nordeste do Brasil and its competitors. This is 21% below median its historical median of 31.95. Over the past decade, BCO Nordeste do Brasil's Pretax Margin % has ranged from 7.32 to 35.79. According to the industry distribution chart, BCO Nordeste do Brasil ranks #730 out of 1525 companies in the Banks industry, placing it in the top 47.9%.
Is BCO Nordeste do Brasil's Pretax Margin % too high?
BCO Nordeste do Brasil's current Pretax Margin % of 25.28% is 21% below median its 10-year median of 31.95. Over the past 10 years, this metric has ranged from a low of 7.32 to a high of 35.79. The Banks industry median Pretax Margin % is 34.96. BCO Nordeste do Brasil's value of 25.28% is 27.7% below this industry median. Based on the distribution chart, BCO Nordeste do Brasil ranks #730 out of 1525 companies in the Banks industry, which is above the industry midpoint. Overall, BCO Nordeste do Brasil has a GF Score™ of 59/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does BCO Nordeste do Brasil's Pretax Margin % compare to competitors?
According to the Banks industry distribution chart, BCO Nordeste do Brasil ranks #730 out of 1525 companies for Pretax Margin %. This puts BCO Nordeste do Brasil in the upper half of its industry. The industry median Pretax Margin % is 34.96. BCO Nordeste do Brasil's value of 25.28% is 27.7% below this benchmark. Historically, BCO Nordeste do Brasil's own Pretax Margin % has ranged from 7.32 to 35.79 over the past decade. While the company's 10-year median is 31.95 vs. the industry median of 34.96, BCO Nordeste do Brasil 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 34.96, based on 1,525 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. BCO Nordeste do Brasil's current Pretax Margin % of 25.28% is 27.7% 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 BCO Nordeste do Brasil and its competitors. For the Banks industry, the median Pretax Margin % is 34.96 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. BCO Nordeste do Brasil's current Pretax Margin % is 25.28%, which is 21% below median its own 10-year median of 31.95. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is BCO Nordeste do Brasil stock overvalued right now?
Based on GuruFocus' analysis, BCO Nordeste do Brasil (BSP:BNBR3) is currently considered Fairly Valued. The stock's GF Value™ is R$117.37, compared to a current price of R$106.52 — trading 9.2% below its estimated fair value. The current Pretax Margin % is 25.28%, which is 21% below median its 10-year median of 31.95 and 27.7% below the Banks industry median of 34.96. BCO Nordeste do Brasil's overall GF Score™ is 59/100 with 3 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 BCO Nordeste do Brasil (BSP:BNBR3), the current Pretax Margin % is 25.28% 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 BCO Nordeste do Brasil (BSP:BNBR3) Overvalued in 2026?

Based on GuruFocus' analysis, BCO Nordeste do Brasil stock appears to be undervalued. The current stock price of R$106.52 is trading 9.2% below its estimated GF Value™ of R$117.37. GuruFocus considers BCO Nordeste do Brasil to be Fairly Valued.

Key valuation signals for BSP:BNBR3:

  • Pretax Margin %: 25.28% (21% below median its 10-year median of 31.95)
  • GF Value™: R$117.37 vs. price of R$106.52 (9.2% below fair value)
  • GF Score™: 59/100 with 3 warning signs
  • Industry Position: 27.7% below the Banks median (#730 of 1525)

No single metric tells the full story. See the BSP:BNBR3 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


BCO Nordeste do Brasil Business Description

Address Av Paranjana 5700 - Bloco A1/terreo, Fortaleza, CE, BRA, 60740000
BCO Nordeste do Brasil SA provides various financial products and services to economic and institutional agents, and private individuals. It provides current and checking accounts; credit card, personal credit, and overdraft services; and investments products, as well as car, life, residential, and lender insurance services. The company also provides financing programs, collection, reinvestment, capital market, foreign exchange and trade, microfinance, credit programs for the public sector, transfers and covenants, and payroll services.
59GF Score

Get the complete analysis for BSP:BNBR3

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

R$106.52
Price
R$117.37
GF Value