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CIG Pannonia Life Insurance OJSCFRA:0CKA 49 Pretax Margin % is 7.04% as of Mar. 2026, which is 1% below its 10-year median of 7.08. GuruFocus rates FRA:0CKA with a GF Score™ of 49/100 and a GF Value™ of €0.94 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 503 Insurance companies, CIG Pannonia Life Insurance OJSC ranks worse than 50.7% on this metric.
The historical rank and industry rank for CIG Pannonia Life Insurance OJSC's Pretax Margin % or its related term are showing as below:
FRA:0CKA'
s Pretax Margin % Range Over the Past 10 Years
Min: -1.16 Med: 7.08 Max: 34.46
Current: 11.78
FRA:0CKA's Pretax Margin % is ranked worse than 50.7% of 503
companies
in the Insurance industry
Industry Median: 11.9
vs FRA:0CKA: 11.78
CIG Pannonia Life Insurance OJSC (FRA:0CKA) 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.
CIG Pannonia Life Insurance OJSC Pretax Margin % Related Terms
CIG Pannonia Life Insurance OJSC 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.
CIG Pannonia Life Insurance OJSC Pretax Margin % Chart
FRA:0CKA vs AFL, MET, PRU: Pretax Margin % Comparison
For the Insurance - Life subindustry, CIG Pannonia Life Insurance OJSC'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.
CIG Pannonia Life Insurance OJSC Pretax Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, CIG Pannonia Life Insurance OJSC's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where CIG Pannonia Life Insurance OJSC'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.
CIG Pannonia Life Insurance OJSC (FRA:0CKA) has a Pretax Margin % of 7.04% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on CIG Pannonia Life Insurance OJSC and its competitors. This is near median its historical median of 7.08. According to the industry distribution chart, CIG Pannonia Life Insurance OJSC ranks #255 out of 503 companies in the Insurance industry, placing it in the top 50.7%.
Is CIG Pannonia Life Insurance OJSC's Pretax Margin % too high?
CIG Pannonia Life Insurance OJSC's current Pretax Margin % of 7.04% is near median its 10-year median of 7.08. The Insurance industry median Pretax Margin % is 11.90. CIG Pannonia Life Insurance OJSC's value of 7.04% is 40.8% below this industry median. Based on the distribution chart, CIG Pannonia Life Insurance OJSC ranks #255 out of 503 companies in the Insurance industry, which is below the industry midpoint. Overall, CIG Pannonia Life Insurance OJSC has a GF Score™ of 49/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does CIG Pannonia Life Insurance OJSC's Pretax Margin % compare to AFL and MET?
According to the Insurance industry distribution chart, CIG Pannonia Life Insurance OJSC ranks #255 out of 503 companies for Pretax Margin %. This places CIG Pannonia Life Insurance OJSC in the lower half of its industry. The industry median Pretax Margin % is 11.90. CIG Pannonia Life Insurance OJSC's value of 7.04% is 40.8% below this benchmark. While the company's 10-year median is 7.08 vs. the industry median of 11.90, CIG Pannonia Life Insurance OJSC 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 an Insurance company?
The median Pretax Margin % among Insurance companies is 11.90, based on 503 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. CIG Pannonia Life Insurance OJSC's current Pretax Margin % of 7.04% is 40.8% 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 CIG Pannonia Life Insurance OJSC and its competitors. For the Insurance industry, the median Pretax Margin % is 11.90 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CIG Pannonia Life Insurance OJSC's current Pretax Margin % is 7.04%, which is near median its own 10-year median of 7.08. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CIG Pannonia Life Insurance OJSC stock overvalued right now?
Based on GuruFocus' analysis, CIG Pannonia Life Insurance OJSC (FRA:0CKA) is currently considered Modestly Undervalued. The stock's GF Value™ is €0.94, compared to a current price of €0.84 — trading 10.6% below its estimated fair value. The current Pretax Margin % is 7.04%, which is near median its 10-year median of 7.08 and 40.8% below the Insurance industry median of 11.90. CIG Pannonia Life Insurance OJSC's overall GF Score™ is 49/100 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 CIG Pannonia Life Insurance OJSC (FRA:0CKA), the current Pretax Margin % is 7.04% 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 CIG Pannonia Life Insurance OJSC (FRA:0CKA) Overvalued in 2026?
Based on GuruFocus' analysis, CIG Pannonia Life Insurance OJSC stock appears to be undervalued.
The current stock price of €0.84 is trading 10.6% below its estimated GF Value™ of €0.94.
GuruFocus considers CIG Pannonia Life Insurance OJSC to be Modestly Undervalued.
Key valuation signals for FRA:0CKA:
Pretax Margin %: 7.04% (near median its 10-year median of 7.08)
GF Value™: €0.94 vs. price of €0.84 (10.6% below fair value)
Industry Position: 40.8% below the Insurance median (#255 of 503)
No single metric tells the full story. See the FRA:0CKA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
CIG Pannonia Life Insurance OJSC Business Description
CIG Pannonia Life Insurance OJSC is an insurance company. The company mainly sells various insurance products including unit-linked life insurance, term life insurance, endowment insurance, health insurance, casco, freight liability and suretyship insurance and also offers investment fund management and portfolio management. The company carries its activities in Hungary, Romania, Slovakia, and Italy. In addition, the company sells riders and non-life insurance products.
49GF Score
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