Banca IfisCHIX:IFM 69 Pretax Margin % is 22.48% as of Mar. 2026, which is 44% below its 10-year median of 40.04. GuruFocus rates CHIX:IFM with a GF Score™ of 69/100 and a GF Value™ of €24.83 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 1,527 Banks companies, Banca Ifis ranks better than 78.98% on this metric.
Pre-Tax margin is calculated as Pre-Tax Income divided by its Revenue. Banca Ifis's Pre-Tax Income for the
three
months ended in Mar. 2026 was €50.5 Mil. Banca Ifis's Revenue for the
three
months ended in Mar. 2026 was €224.5 Mil. Therefore, Banca Ifis's pretax margin for the quarter that ended in Mar. 2026 was 22.48%.
The historical rank and industry rank for Banca Ifis's Pretax Margin % or its related term are showing as below:
CHIX:IFm'
s Pretax Margin % Range Over the Past 10 Years
Min: 18.79 Med: 40.04 Max: 202.84
Current: 47.51
CHIX:IFm's Pretax Margin % is ranked better than 78.98% of 1527
companies
in the Banks industry
Industry Median: 34.88
vs CHIX:IFm: 47.51
Banca Ifis (CHIX:IFm) 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.
Banca Ifis Pretax Margin % Related Terms
Banca Ifis Pretax Margin % Historical Data
* Premium members only.
The historical data trend for Banca Ifis'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, Banca Ifis'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.
Banca Ifis Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Banca Ifis's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Banca Ifis'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.
Banca Ifis (CHIX:IFM) has a Pretax Margin % of 22.48% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Banca Ifis and its competitors. This is 44% below median its historical median of 40.04. Over the past decade, Banca Ifis' Pretax Margin % has ranged from 18.79 to 202.84. According to the industry distribution chart, Banca Ifis ranks #321 out of 1527 companies in the Banks industry, placing it in the top 21%.
Is Banca Ifis' Pretax Margin % too high?
Banca Ifis' current Pretax Margin % of 22.48% is 44% below median its 10-year median of 40.04. Over the past 10 years, this metric has ranged from a low of 18.79 to a high of 202.84. The Banks industry median Pretax Margin % is 34.88. Banca Ifis' value of 22.48% is 35.6% below this industry median. Based on the distribution chart, Banca Ifis ranks #321 out of 1527 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Banca Ifis has a GF Score™ of 69/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Banca Ifis' Pretax Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Banca Ifis ranks #321 out of 1527 companies for Pretax Margin %. This places Banca Ifis in the top 21% of its industry — outperforming the majority of peers. The industry median Pretax Margin % is 34.88. Banca Ifis' value of 22.48% is 35.6% below this benchmark. Historically, Banca Ifis' own Pretax Margin % has ranged from 18.79 to 202.84 over the past decade. While the company's 10-year median is 40.04 vs. the industry median of 34.88, Banca Ifis 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. Banca Ifis's current Pretax Margin % of 22.48% is 35.6% 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 Banca Ifis 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. Banca Ifis's current Pretax Margin % is 22.48%, which is 44% below median its own 10-year median of 40.04. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banca Ifis stock overvalued right now?
Based on GuruFocus' analysis, Banca Ifis (CHIX:IFM) is currently considered Modestly Undervalued. The stock's GF Value™ is €24.83, compared to a current price of €22.11 — trading 11% below its estimated fair value. The current Pretax Margin % is 22.48%, which is 44% below median its 10-year median of 40.04 and 35.6% below the Banks industry median of 34.88. Banca Ifis' overall GF Score™ is 69/100 with 4 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 Banca Ifis (CHIX:IFM), the current Pretax Margin % is 22.48% 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 Banca Ifis (CHIX:IFM) Overvalued in 2026?
Based on GuruFocus' analysis, Banca Ifis stock appears to be undervalued.
The current stock price of €22.11 is trading 11% below its estimated GF Value™ of €24.83.
GuruFocus considers Banca Ifis to be Modestly Undervalued.
Key valuation signals for CHIX:IFM:
Pretax Margin %: 22.48% (44% below median its 10-year median of 40.04)
GF Value™: €24.83 vs. price of €22.11 (11% below fair value)
Industry Position: 35.6% below the Banks median (#321 of 1527)
No single metric tells the full story. See the CHIX:IFM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Banca Ifis is an independent banking group specializing in the provision of banking and other financial services. It specializes in providing factoring services, managing distressed loans, servicing and managing non-performing, secured loans, and offering leasing services, among other activities. The company's operating segments are Commercial & Corporate Banking, NPL, and Governance & Services and Non-Core. A majority of its revenue is generated from the Commercial & Corporate Banking segment, which represents the Group's commercial offerings dedicated to businesses and also includes personal loans with the assignment of one-fifth of salary or pension. This segment consists of the factoring, leasing, and corporate banking & lending business areas.
69GF Score
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