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Housing & Development BankCAI:HDBK -1.21%54 Pretax Margin % is 85.85% as of Mar. 2026, which is 29% above its 10-year median of 66.55. GuruFocus rates CAI:HDBK with a GF Score™ of 54/100 and a GF Value™ of E£43.62 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,527 Banks companies, Housing & Development Bank ranks better than 98.62% on this metric.
The historical rank and industry rank for Housing & Development Bank's Pretax Margin % or its related term are showing as below:
CAI:HDBK'
s Pretax Margin % Range Over the Past 10 Years
Min: 38.97 Med: 66.55 Max: 95.59
Current: 81.49
CAI:HDBK's Pretax Margin % is ranked better than 98.62% of 1527
companies
in the Banks industry
Industry Median: 34.67
vs CAI:HDBK: 81.49
Housing & Development Bank (CAI:HDBK) 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.
Housing & Development Bank Pretax Margin % Related Terms
Housing & Development 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.
Housing & Development Bank Pretax Margin % Competitor Comparison
For the Banks - Regional subindustry, Housing & Development 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.
Housing & Development Bank Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Housing & Development Bank's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Housing & Development 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.
Housing & Development Bank (CAI:HDBK) has a Pretax Margin % of 85.85% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Housing & Development Bank and its competitors. This is 29% above median its historical median of 66.55. Over the past decade, Housing & Development Bank's Pretax Margin % has ranged from 38.97 to 95.59. According to the industry distribution chart, Housing & Development Bank ranks #21 out of 1527 companies in the Banks industry, placing it in the top 1.4%.
Is Housing & Development Bank's Pretax Margin % too high?
Housing & Development Bank's current Pretax Margin % of 85.85% is 29% above median its 10-year median of 66.55. Over the past 10 years, this metric has ranged from a low of 38.97 to a high of 95.59. The Banks industry median Pretax Margin % is 34.67. Housing & Development Bank's value of 85.85% is 147.6% above this industry median. Based on the distribution chart, Housing & Development Bank ranks #21 out of 1527 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Housing & Development Bank has a GF Score™ of 54/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Housing & Development Bank's Pretax Margin % compare to competitors?
According to the Banks industry distribution chart, Housing & Development Bank ranks #21 out of 1527 companies for Pretax Margin %. This places Housing & Development Bank in the top 1% of its industry — outperforming the majority of peers. The industry median Pretax Margin % is 34.67. Housing & Development Bank's value of 85.85% is 147.6% above this benchmark. Historically, Housing & Development Bank's own Pretax Margin % has ranged from 38.97 to 95.59 over the past decade. While the company's 10-year median is 66.55 vs. the industry median of 34.67, Housing & Development Bank 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 34.67, 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. Housing & Development Bank's current Pretax Margin % of 85.85% is 147.6% 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 Housing & Development Bank and its competitors. For the Banks industry, the median Pretax Margin % is 34.67 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Housing & Development Bank's current Pretax Margin % is 85.85%, which is 29% above median its own 10-year median of 66.55. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Housing & Development Bank stock overvalued right now?
Based on GuruFocus' analysis, Housing & Development Bank (CAI:HDBK) is currently considered Significantly Overvalued. The stock's GF Value™ is E£43.62, compared to a current price of E£77.82 — trading 78.4% above its estimated fair value. The current Pretax Margin % is 85.85%, which is 29% above median its 10-year median of 66.55 and 147.6% above the Banks industry median of 34.67. Housing & Development Bank's overall GF Score™ is 54/100 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 Housing & Development Bank (CAI:HDBK), the current Pretax Margin % is 85.85% 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 Housing & Development Bank (CAI:HDBK) Overvalued in 2026?
Based on GuruFocus' analysis, Housing & Development Bank stock appears to be overvalued.
The current stock price of E£77.82 is trading 78.4% above its estimated GF Value™ of E£43.62.
GuruFocus considers Housing & Development Bank to be Significantly Overvalued.
Key valuation signals for CAI:HDBK:
Pretax Margin %: 85.85% (29% above median its 10-year median of 66.55)
GF Value™: E£43.62 vs. price of E£77.82 (78.4% above fair value)
Industry Position: 147.6% above the Banks median (#21 of 1527)
No single metric tells the full story. See the CAI:HDBK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Housing & Development Bank operates as a bank in the Arab Republic of Egypt. The company provides loans and other services to financial institutions, agricultural institutions, industrial institutions, commercial services, real estate activity, and the government sector. It operates its business in four segments, which are Corporate, medium and small sized enterprise, Investments, Retail, and Other activities. Maximum revenue is generated from the Corporate, medium and small sized enterprise segment, which mainly includes the bank's current accounts (debit/credit), deposits, loans and facilities, financial derivatives, and other financial products and service offerings.
54GF Score
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