BNP Paribas Bank PolskaFRA:82MA +0.75%76 Pretax Margin % is 31.28% as of Mar. 2026, which is 80% above its 10-year median of 17.34. GuruFocus rates FRA:82MA with a GF Score™ of 76/100 and a GF Value™ of €23.28 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 1,530 Banks companies, BNP Paribas Bank Polska ranks better than 63.33% on this metric.
The historical rank and industry rank for BNP Paribas Bank Polska's Pretax Margin % or its related term are showing as below:
FRA:82MA'
s Pretax Margin % Range Over the Past 10 Years
Min: 6.48 Med: 17.34 Max: 44.77
Current: 40.07
FRA:82MA's Pretax Margin % is ranked better than 63.33% of 1530
companies
in the Banks industry
Industry Median: 34.715
vs FRA:82MA: 40.07
BNP Paribas Bank Polska (FRA:82MA) 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.
BNP Paribas Bank Polska Pretax Margin % Related Terms
BNP Paribas Bank Polska 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.
For the Banks - Regional subindustry, BNP Paribas Bank Polska'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.
BNP Paribas Bank Polska Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, BNP Paribas Bank Polska's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where BNP Paribas Bank Polska'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.
BNP Paribas Bank Polska (FRA:82MA) has a Pretax Margin % of 31.28% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on BNP Paribas Bank Polska and its competitors. This is 80% above median its historical median of 17.34. Over the past decade, BNP Paribas Bank Polska's Pretax Margin % has ranged from 6.48 to 44.77. According to the industry distribution chart, BNP Paribas Bank Polska ranks #561 out of 1530 companies in the Banks industry, placing it in the top 36.7%.
Is BNP Paribas Bank Polska's Pretax Margin % too high?
BNP Paribas Bank Polska's current Pretax Margin % of 31.28% is 80% above median its 10-year median of 17.34. Over the past 10 years, this metric has ranged from a low of 6.48 to a high of 44.77. The Banks industry median Pretax Margin % is 34.72. BNP Paribas Bank Polska's value of 31.28% is 9.9% below this industry median. Based on the distribution chart, BNP Paribas Bank Polska ranks #561 out of 1530 companies in the Banks industry, which is above the industry midpoint. Overall, BNP Paribas Bank Polska has a GF Score™ of 76/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does BNP Paribas Bank Polska's Pretax Margin % compare to PNC and USB?
According to the Banks industry distribution chart, BNP Paribas Bank Polska ranks #561 out of 1530 companies for Pretax Margin %. This puts BNP Paribas Bank Polska in the upper half of its industry. The industry median Pretax Margin % is 34.72. BNP Paribas Bank Polska's value of 31.28% is 9.9% below this benchmark. Historically, BNP Paribas Bank Polska's own Pretax Margin % has ranged from 6.48 to 44.77 over the past decade. While the company's 10-year median is 17.34 vs. the industry median of 34.72, BNP Paribas Bank Polska 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 34.72, based on 1,530 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. BNP Paribas Bank Polska's current Pretax Margin % of 31.28% is 9.9% 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 BNP Paribas Bank Polska and its competitors. For the Banks industry, the median Pretax Margin % is 34.72 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. BNP Paribas Bank Polska's current Pretax Margin % is 31.28%, which is 80% above median its own 10-year median of 17.34. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is BNP Paribas Bank Polska stock overvalued right now?
Based on GuruFocus' analysis, BNP Paribas Bank Polska (FRA:82MA) is currently considered Significantly Overvalued. The stock's GF Value™ is €23.28, compared to a current price of €33.80 — trading 45.2% above its estimated fair value. The current Pretax Margin % is 31.28%, which is 80% above median its 10-year median of 17.34 and 9.9% below the Banks industry median of 34.72. BNP Paribas Bank Polska'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 BNP Paribas Bank Polska (FRA:82MA), the current Pretax Margin % is 31.28% 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 BNP Paribas Bank Polska (FRA:82MA) Overvalued in 2026?
Based on GuruFocus' analysis, BNP Paribas Bank Polska stock appears to be overvalued.
The current stock price of €33.80 is trading 45.2% above its estimated GF Value™ of €23.28.
GuruFocus considers BNP Paribas Bank Polska to be Significantly Overvalued.
Key valuation signals for FRA:82MA:
Pretax Margin %: 31.28% (80% above median its 10-year median of 17.34)
GF Value™: €23.28 vs. price of €33.80 (45.2% above fair value)
Industry Position: 9.9% below the Banks median (#561 of 1530)
No single metric tells the full story. See the FRA:82MA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
BNP Paribas Bank Polska SA is a universal commercial bank offering a wide range of banking services provided to individual and institutional customers in accordance with the scope of services specified in the Bank's Articles of Association. The Bank operates both in Polish zlotys and foreign currencies and actively participates in trading on domestic and foreign financial markets. In addition, through its subsidiaries, the Group conducts brokerage and leasing activities and provides other financial services. Its reportable operating segments include Retail and Business Banking, Small and Medium-Sized Enterprises (SME), Corporate Banking, Corporate and Institutional Banking (CIB), and Other Operations, including ALM Treasury and the Corporate Centre.
76GF Score
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