Erste Group Bank AG.EBKOF +1.94%76 Pretax Margin % is 40.43% as of Mar. 2026, which is 9% above its 10-year median of 37.25. GuruFocus rates EBKOF with a GF Score™ of 76/100 and a GF Value™ of $79.00 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,526 Banks companies, Erste Group Bank AG. ranks better than 75.49% on this metric.
The historical rank and industry rank for Erste Group Bank AG.'s Pretax Margin % or its related term are showing as below:
EBKOF'
s Pretax Margin % Range Over the Past 10 Years
Min: 19.09 Med: 37.25 Max: 46.47
Current: 45.72
EBKOF's Pretax Margin % is ranked better than 75.49% of 1526
companies
in the Banks industry
Industry Median: 34.885
vs EBKOF: 45.72
Erste Group Bank AG. (OTCPK:EBKOF) 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.
Erste Group Bank AG. Pretax Margin % Related Terms
Erste Group Bank AG. Pretax Margin % Historical Data
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The historical data trend for Erste Group Bank AG.'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, Erste Group Bank AG.'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.
Erste Group Bank AG. Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Erste Group Bank AG.'s Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Erste Group Bank AG.'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.
Erste Group Bank AG. (EBKOF) has a Pretax Margin % of 40.43% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Erste Group Bank AG. and its competitors. This is near median its historical median of 37.25. Over the past decade, Erste Group Bank AG.'s Pretax Margin % has ranged from 19.09 to 46.47. According to the industry distribution chart, Erste Group Bank AG. ranks #374 out of 1526 companies in the Banks industry, placing it in the top 24.5%.
Is Erste Group Bank AG.'s Pretax Margin % too high?
Erste Group Bank AG.'s current Pretax Margin % of 40.43% is near median its 10-year median of 37.25. Over the past 10 years, this metric has ranged from a low of 19.09 to a high of 46.47. The Banks industry median Pretax Margin % is 34.89. Erste Group Bank AG.'s value of 40.43% is 15.9% above this industry median. Based on the distribution chart, Erste Group Bank AG. ranks #374 out of 1526 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Erste Group Bank AG. has a GF Score™ of 76/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Erste Group Bank AG.'s Pretax Margin % compare to PNC?
According to the Banks industry distribution chart, Erste Group Bank AG. ranks #374 out of 1526 companies for Pretax Margin %. This places Erste Group Bank AG. in the top 25% of its industry — outperforming the majority of peers. The industry median Pretax Margin % is 34.89. Erste Group Bank AG.'s value of 40.43% is 15.9% above this benchmark. Historically, Erste Group Bank AG.'s own Pretax Margin % has ranged from 19.09 to 46.47 over the past decade. While the company's 10-year median is 37.25 vs. the industry median of 34.89, Erste Group Bank AG. 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. Erste Group Bank AG.'s current Pretax Margin % of 40.43% is 15.9% 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 Erste Group Bank AG. 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. Erste Group Bank AG.'s current Pretax Margin % is 40.43%, which is near median its own 10-year median of 37.25. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Erste Group Bank AG. stock overvalued right now?
Based on GuruFocus' analysis, Erste Group Bank AG. (EBKOF) is currently considered Significantly Overvalued. The stock's GF Value™ is $79.00, compared to a current price of $133.65 — trading 69.2% above its estimated fair value. The current Pretax Margin % is 40.43%, which is near median its 10-year median of 37.25 and 15.9% above the Banks industry median of 34.89. Erste Group Bank AG.'s overall GF Score™ is 76/100 with 6 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 Erste Group Bank AG. (EBKOF), the current Pretax Margin % is 40.43% 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 Erste Group Bank AG. (EBKOF) Overvalued in 2026?
Based on GuruFocus' analysis, Erste Group Bank AG. stock appears to be overvalued.
The current stock price of $133.65 is trading 69.2% above its estimated GF Value™ of $79.00.
GuruFocus considers Erste Group Bank AG. to be Significantly Overvalued.
Key valuation signals for EBKOF:
Pretax Margin %: 40.43% (near median its 10-year median of 37.25)
GF Value™: $79.00 vs. price of $133.65 (69.2% above fair value)
Industry Position: 15.9% above the Banks median (#374 of 1526)
No single metric tells the full story. See the EBKOF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Erste Group Bank AG. is an Austria-based financial services provider catering to the needs of individuals, corporates, small businesses, and other enterprises. It offers a complete range of banking and other financial services, such as savings accounts, asset management (including investment funds), consumer credit and mortgage lending, investment banking, securities and derivatives trading, project finance, foreign exchange trading, leasing, factoring, etc. The Group's operating segments are defined according to the core markets in which it operates and include Austria, Central and Eastern Europe, and Other. Maximum revenue is generated from the Central and Eastern Europe segment, which represents its operations in the Czech Republic, Slovakia, Romania, Hungary, Croatia, and Serbia.
76GF Score
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