Banco ProvincialCAR:BPV -3.39%85 Pretax Margin % is 21.64% as of Dec. 2025, which is 46% below its 10-year median of 40.41. GuruFocus rates CAR:BPV with a GF Score™ of 85/100 and a GF Value™ of VES32.38 (Significantly Overvalued). The stock has 2 warning signs investors should review. Among 1,528 Banks companies, Banco Provincial ranks better than 91.69% on this metric.
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.
Banco Provincial Pretax Margin % Related Terms
Banco Provincial Pretax Margin % Historical Data
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The historical data trend for Banco Provincial'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, Banco Provincial'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.
Banco Provincial Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Banco Provincial's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Banco Provincial'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.
Banco Provincial (CAR:BPV) has a Pretax Margin % of 21.64% as of Dec. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Banco Provincial and its competitors. This is 46% below median its historical median of 40.41. Over the past decade, Banco Provincial's Pretax Margin % has ranged from 26.43 to 64.04. According to the industry distribution chart, Banco Provincial ranks #127 out of 1528 companies in the Banks industry, placing it in the top 8.3%.
Is Banco Provincial's Pretax Margin % too high?
Banco Provincial's current Pretax Margin % of 21.64% is 46% below median its 10-year median of 40.41. Over the past 10 years, this metric has ranged from a low of 26.43 to a high of 64.04. The Banks industry median Pretax Margin % is 34.72. Banco Provincial's value of 21.64% is 37.7% below this industry median. Based on the distribution chart, Banco Provincial ranks #127 out of 1528 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Banco Provincial has a GF Score™ of 85/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banco Provincial's Pretax Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Banco Provincial ranks #127 out of 1528 companies for Pretax Margin %. This places Banco Provincial in the top 8% of its industry — outperforming the majority of peers. The industry median Pretax Margin % is 34.72. Banco Provincial's value of 21.64% is 37.7% below this benchmark. Historically, Banco Provincial's own Pretax Margin % has ranged from 26.43 to 64.04 over the past decade. While the company's 10-year median is 40.41 vs. the industry median of 34.72, Banco Provincial 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 34.72, based on 1,528 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. Banco Provincial's current Pretax Margin % of 21.64% is 37.7% 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 Banco Provincial 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. Banco Provincial's current Pretax Margin % is 21.64%, which is 46% below median its own 10-year median of 40.41. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banco Provincial stock overvalued right now?
Based on GuruFocus' analysis, Banco Provincial (CAR:BPV) is currently considered Significantly Overvalued. The stock's GF Value™ is VES32.38, compared to a current price of VES121.00 — trading 273.7% above its estimated fair value. The current Pretax Margin % is 21.64%, which is 46% below median its 10-year median of 40.41 and 37.7% below the Banks industry median of 34.72. Banco Provincial's overall GF Score™ is 85/100 with 2 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 Banco Provincial (CAR:BPV), the current Pretax Margin % is 21.64% 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 Banco Provincial (CAR:BPV) Overvalued in 2026?
Based on GuruFocus' analysis, Banco Provincial stock appears to be overvalued.
The current stock price of VES121.00 is trading 273.7% above its estimated GF Value™ of VES32.38.
GuruFocus considers Banco Provincial to be Significantly Overvalued.
Key valuation signals for CAR:BPV:
Pretax Margin %: 21.64% (46% below median its 10-year median of 40.41)
GF Value™: VES32.38 vs. price of VES121.00 (273.7% above fair value)
Industry Position: 37.7% below the Banks median (#127 of 1528)
No single metric tells the full story. See the CAR:BPV stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Banco Provincial SA operates as a bank in Venezuela. The company offers Current, Savings, foreign currency accounts, mutual funds, Gold credit cards, classic credit cards, and debit cards. It also provides various banking services, including personal loans, mortgage loans, vehicle loans, and flexible credit to its customers in Venezuela.
85GF Score
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