Al Baraka Bank EgyptCAI:SAUD +1.90%70 Pretax Margin % is 53.32% as of Mar. 2026, which is 15% below its 10-year median of 62.59. GuruFocus rates CAI:SAUD with a GF Score™ of 70/100 and a GF Value™ of E£18.57 (Fairly Valued). The stock has 1 warning sign investors should review. Among 1,530 Banks companies, Al Baraka Bank Egypt ranks better than 92.35% on this metric.
The historical rank and industry rank for Al Baraka Bank Egypt's Pretax Margin % or its related term are showing as below:
CAI:SAUD'
s Pretax Margin % Range Over the Past 10 Years
Min: 56.22 Med: 62.59 Max: 71.76
Current: 60.33
CAI:SAUD's Pretax Margin % is ranked better than 92.35% of 1530
companies
in the Banks industry
Industry Median: 34.715
vs CAI:SAUD: 60.33
Al Baraka Bank Egypt (CAI:SAUD) 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.
Al Baraka Bank Egypt Pretax Margin % Related Terms
Al Baraka Bank Egypt Pretax Margin % Historical Data
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The historical data trend for Al Baraka Bank Egypt'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, Al Baraka Bank Egypt'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.
Al Baraka Bank Egypt Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Al Baraka Bank Egypt's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Al Baraka Bank Egypt'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.
Al Baraka Bank Egypt (CAI:SAUD) has a Pretax Margin % of 53.32% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Al Baraka Bank Egypt and its competitors. This is 15% below median its historical median of 62.59. Over the past decade, Al Baraka Bank Egypt's Pretax Margin % has ranged from 56.22 to 71.76. According to the industry distribution chart, Al Baraka Bank Egypt ranks #117 out of 1530 companies in the Banks industry, placing it in the top 7.6%.
Is Al Baraka Bank Egypt's Pretax Margin % too high?
Al Baraka Bank Egypt's current Pretax Margin % of 53.32% is 15% below median its 10-year median of 62.59. Over the past 10 years, this metric has ranged from a low of 56.22 to a high of 71.76. The Banks industry median Pretax Margin % is 34.72. Al Baraka Bank Egypt's value of 53.32% is 53.6% above this industry median. Based on the distribution chart, Al Baraka Bank Egypt ranks #117 out of 1530 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Al Baraka Bank Egypt has a GF Score™ of 70/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Al Baraka Bank Egypt's Pretax Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Al Baraka Bank Egypt ranks #117 out of 1530 companies for Pretax Margin %. This places Al Baraka Bank Egypt in the top 8% of its industry — outperforming the majority of peers. The industry median Pretax Margin % is 34.72. Al Baraka Bank Egypt's value of 53.32% is 53.6% above this benchmark. Historically, Al Baraka Bank Egypt's own Pretax Margin % has ranged from 56.22 to 71.76 over the past decade. While the company's 10-year median is 62.59 vs. the industry median of 34.72, Al Baraka Bank Egypt 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. Al Baraka Bank Egypt's current Pretax Margin % of 53.32% is 53.6% 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 Al Baraka Bank Egypt 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. Al Baraka Bank Egypt's current Pretax Margin % is 53.32%, which is 15% below median its own 10-year median of 62.59. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Al Baraka Bank Egypt stock overvalued right now?
Based on GuruFocus' analysis, Al Baraka Bank Egypt (CAI:SAUD) is currently considered Fairly Valued. The stock's GF Value™ is E£18.57, compared to a current price of E£20.43 — trading 10% above its estimated fair value. The current Pretax Margin % is 53.32%, which is 15% below median its 10-year median of 62.59 and 53.6% above the Banks industry median of 34.72. Al Baraka Bank Egypt's overall GF Score™ is 70/100 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 Al Baraka Bank Egypt (CAI:SAUD), the current Pretax Margin % is 53.32% 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 Al Baraka Bank Egypt (CAI:SAUD) Overvalued in 2026?
Based on GuruFocus' analysis, Al Baraka Bank Egypt stock appears to be overvalued.
The current stock price of E£20.43 is trading 10% above its estimated GF Value™ of E£18.57.
GuruFocus considers Al Baraka Bank Egypt to be Fairly Valued.
Key valuation signals for CAI:SAUD:
Pretax Margin %: 53.32% (15% below median its 10-year median of 62.59)
GF Value™: E£18.57 vs. price of E£20.43 (10% above fair value)
Industry Position: 53.6% above the Banks median (#117 of 1530)
No single metric tells the full story. See the CAI:SAUD stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Al Baraka Bank Egypt is a Sharia-compliant banking institution operating across Egypt, offering a comprehensive range of Islamic retail and corporate banking services. The Bank's operations are structured into two main business lines, corporate banking and retail banking, supported by a central corporate center responsible for funding and non-core activities such as the dealing room and proprietary operations. Its products and services include financing and credit facilities such as Musharaka and Mudaraba, as well as retail credit cards, personal financing, mortgages, savings products, debt instruments, and mutual funds.
70GF Score
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