Guaranty Trust Holding CoCHIX:GTCOL 81 Pretax Margin % is 77.48% as of Dec. 2025, which is 32% above its 10-year median of 58.61. GuruFocus rates CHIX:GTCOL with a GF Score™ of 81/100 and a GF Value™ of $0.05 (Significantly Overvalued). The stock has 1 warning sign investors should review. Among 1,526 Banks companies, Guaranty Trust Holding Co ranks better than 97.51% on this metric.
The historical rank and industry rank for Guaranty Trust Holding Co's Pretax Margin % or its related term are showing as below:
CHIX:GTCOl'
s Pretax Margin % Range Over the Past 10 Years
Min: 51.04 Med: 58.61 Max: 71.61
Current: 71.54
CHIX:GTCOl's Pretax Margin % is ranked better than 97.51% of 1526
companies
in the Banks industry
Industry Median: 34.885
vs CHIX:GTCOl: 71.54
Guaranty Trust Holding Co (CHIX:GTCOl) 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.
Guaranty Trust Holding Co Pretax Margin % Related Terms
Guaranty Trust Holding Co 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.
CHIX:GTCOL vs JPM, BAC, WFC: Pretax Margin % Comparison
For the Banks - Diversified subindustry, Guaranty Trust Holding Co'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.
Guaranty Trust Holding Co Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Guaranty Trust Holding Co's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Guaranty Trust Holding Co'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.
Guaranty Trust Holding Co (CHIX:GTCOL) has a Pretax Margin % of 77.48% as of Dec. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Guaranty Trust Holding Co and its competitors. This is 32% above median its historical median of 58.61. Over the past decade, Guaranty Trust Holding Co's Pretax Margin % has ranged from 51.04 to 71.61. According to the industry distribution chart, Guaranty Trust Holding Co ranks #38 out of 1526 companies in the Banks industry, placing it in the top 2.5%.
Is Guaranty Trust Holding Co's Pretax Margin % too high?
Guaranty Trust Holding Co's current Pretax Margin % of 77.48% is 32% above median its 10-year median of 58.61. Over the past 10 years, this metric has ranged from a low of 51.04 to a high of 71.61. The Banks industry median Pretax Margin % is 34.89. Guaranty Trust Holding Co's value of 77.48% is 122.1% above this industry median. Based on the distribution chart, Guaranty Trust Holding Co ranks #38 out of 1526 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Guaranty Trust Holding Co has a GF Score™ of 81/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Guaranty Trust Holding Co's Pretax Margin % compare to JPM and BAC?
According to the Banks industry distribution chart, Guaranty Trust Holding Co ranks #38 out of 1526 companies for Pretax Margin %. This places Guaranty Trust Holding Co in the top 3% of its industry — outperforming the majority of peers. The industry median Pretax Margin % is 34.89. Guaranty Trust Holding Co's value of 77.48% is 122.1% above this benchmark. Historically, Guaranty Trust Holding Co's own Pretax Margin % has ranged from 51.04 to 71.61 over the past decade. While the company's 10-year median is 58.61 vs. the industry median of 34.89, Guaranty Trust Holding Co 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 34.89, based on 1,526 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. Guaranty Trust Holding Co's current Pretax Margin % of 77.48% is 122.1% 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 Guaranty Trust Holding Co and its competitors. For the Banks industry, the median Pretax Margin % is 34.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Guaranty Trust Holding Co's current Pretax Margin % is 77.48%, which is 32% above median its own 10-year median of 58.61. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Guaranty Trust Holding Co stock overvalued right now?
Based on GuruFocus' analysis, Guaranty Trust Holding Co (CHIX:GTCOL) is currently considered Significantly Overvalued. The stock's GF Value™ is $0.05, compared to a current price of $0.09 — trading 84% above its estimated fair value. The current Pretax Margin % is 77.48%, which is 32% above median its 10-year median of 58.61 and 122.1% above the Banks industry median of 34.89. Guaranty Trust Holding Co's overall GF Score™ is 81/100 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 Guaranty Trust Holding Co (CHIX:GTCOL), the current Pretax Margin % is 77.48% 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 Guaranty Trust Holding Co (CHIX:GTCOL) Overvalued in 2026?
Based on GuruFocus' analysis, Guaranty Trust Holding Co stock appears to be overvalued.
The current stock price of $0.09 is trading 84% above its estimated GF Value™ of $0.05.
GuruFocus considers Guaranty Trust Holding Co to be Significantly Overvalued.
Key valuation signals for CHIX:GTCOL:
Pretax Margin %: 77.48% (32% above median its 10-year median of 58.61)
GF Value™: $0.05 vs. price of $0.09 (84% above fair value)
Industry Position: 122.1% above the Banks median (#38 of 1526)
No single metric tells the full story. See the CHIX:GTCOL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Guaranty Trust Holding Co PLC is a multinational financial institution that provides individuals, businesses, private and public institutions across Africa and the United Kingdom with a broad range of market key financial products and services. The company has six reportable segments: Corporate banking which derives maximum revenue, and incorporates current accounts, deposits, overdrafts, loans and other credit facilities; Commercial banking which incorporates current accounts, deposits, overdrafts, loans and other credit facilities; Business banking which incorporates current accounts, deposits, overdrafts, loans and other credit facilities; Retail banking which incorporates private banking services, private customer current accounts, savings deposits; SME banking; and Public sector.
81GF Score
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Pretax Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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