Avarda Bank ABCHIX:AVARDS 76 Pretax Margin % is 32.20% as of Mar. 2026, which is 0% above its 10-year median of 32.19. GuruFocus rates CHIX:AVARDS with a GF Score™ of 76/100 and a GF Value™ of kr135.51 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 1,527 Banks companies, Avarda Bank AB ranks worse than 61.43% on this metric.
The historical rank and industry rank for Avarda Bank AB's Pretax Margin % or its related term are showing as below:
CHIX:AVARDs'
s Pretax Margin % Range Over the Past 10 Years
Min: 25.73 Med: 32.19 Max: 39.85
Current: 30.5
CHIX:AVARDs's Pretax Margin % is ranked worse than 61.43% of 1527
companies
in the Banks industry
Industry Median: 34.88
vs CHIX:AVARDs: 30.50
Avarda Bank AB (CHIX:AVARDs) 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.
Avarda Bank AB Pretax Margin % Related Terms
Avarda Bank AB Pretax Margin % Historical Data
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The historical data trend for Avarda Bank AB'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.
CHIX:AVARDS vs PNC, USB: Pretax Margin % Comparison
For the Banks - Regional subindustry, Avarda Bank AB'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.
Avarda Bank AB Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Avarda Bank AB's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Avarda Bank AB'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.
Avarda Bank AB (CHIX:AVARDS) has a Pretax Margin % of 32.20% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Avarda Bank AB and its competitors. This is near median its historical median of 32.19. Over the past decade, Avarda Bank AB's Pretax Margin % has ranged from 25.73 to 39.85. According to the industry distribution chart, Avarda Bank AB ranks #938 out of 1527 companies in the Banks industry, placing it in the top 61.4%.
Is Avarda Bank AB's Pretax Margin % too high?
Avarda Bank AB's current Pretax Margin % of 32.20% is near median its 10-year median of 32.19. Over the past 10 years, this metric has ranged from a low of 25.73 to a high of 39.85. The Banks industry median Pretax Margin % is 34.88. Avarda Bank AB's value of 32.20% is 7.7% below this industry median. Based on the distribution chart, Avarda Bank AB ranks #938 out of 1527 companies in the Banks industry, which is below the industry midpoint. Overall, Avarda Bank AB has a GF Score™ of 76/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Avarda Bank AB's Pretax Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Avarda Bank AB ranks #938 out of 1527 companies for Pretax Margin %. This places Avarda Bank AB in the lower half of its industry. The industry median Pretax Margin % is 34.88. Avarda Bank AB's value of 32.20% is 7.7% below this benchmark. Historically, Avarda Bank AB's own Pretax Margin % has ranged from 25.73 to 39.85 over the past decade. While the company's 10-year median is 32.19 vs. the industry median of 34.88, Avarda Bank AB 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 34.88, 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. Avarda Bank AB's current Pretax Margin % of 32.20% is 7.7% 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 Avarda Bank AB and its competitors. For the Banks industry, the median Pretax Margin % is 34.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Avarda Bank AB's current Pretax Margin % is 32.20%, which is near median its own 10-year median of 32.19. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Avarda Bank AB stock overvalued right now?
Based on GuruFocus' analysis, Avarda Bank AB (CHIX:AVARDS) is currently considered Significantly Overvalued. The stock's GF Value™ is kr135.51, compared to a current price of kr177.40 — trading 30.9% above its estimated fair value. The current Pretax Margin % is 32.20%, which is near median its 10-year median of 32.19 and 7.7% below the Banks industry median of 34.88. Avarda Bank AB's overall GF Score™ is 76/100 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 Avarda Bank AB (CHIX:AVARDS), the current Pretax Margin % is 32.20% 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 Avarda Bank AB (CHIX:AVARDS) Overvalued in 2026?
Based on GuruFocus' analysis, Avarda Bank AB stock appears to be overvalued.
The current stock price of kr177.40 is trading 30.9% above its estimated GF Value™ of kr135.51.
GuruFocus considers Avarda Bank AB to be Significantly Overvalued.
Key valuation signals for CHIX:AVARDS:
Pretax Margin %: 32.20% (near median its 10-year median of 32.19)
GF Value™: kr135.51 vs. price of kr177.40 (30.9% above fair value)
Industry Position: 7.7% below the Banks median (#938 of 1527)
No single metric tells the full story. See the CHIX:AVARDS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Avarda Bank AB is a credit market company that provides secure, flexible, unified payment solutions for retailers in Europe. Through its white-label model, it enables merchants to own and control the entire customer journey, strengthening brand awareness, increasing conversion and customer lifetime value, and driving loyalty.
76GF Score
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