Norion Bank ABFRA:FN1 -0.91%50 Pretax Margin % is 42.84% as of Mar. 2026, which is 3% above its 10-year median of 41.71. GuruFocus rates FRA:FN1 with a GF Score™ of 50/100 and a GF Value™ of €4.02 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,527 Banks companies, Norion Bank AB ranks better than 75.11% on this metric.
The historical rank and industry rank for Norion Bank AB's Pretax Margin % or its related term are showing as below:
FRA:FN1'
s Pretax Margin % Range Over the Past 10 Years
Min: -14.06 Med: 41.71 Max: 49.28
Current: 45.61
FRA:FN1's Pretax Margin % is ranked better than 75.11% of 1527
companies
in the Banks industry
Industry Median: 34.88
vs FRA:FN1: 45.61
Norion Bank AB (FRA:FN1) 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.
Norion Bank AB Pretax Margin % Related Terms
Norion Bank AB Pretax Margin % Historical Data
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The historical data trend for Norion Bank AB'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, Norion Bank AB'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.
Norion Bank AB Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Norion Bank AB's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Norion Bank AB'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.
Norion Bank AB (FRA:FN1) has a Pretax Margin % of 42.84% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Norion Bank AB and its competitors. This is near median its historical median of 41.71. According to the industry distribution chart, Norion Bank AB ranks #380 out of 1527 companies in the Banks industry, placing it in the top 24.9%.
Is Norion Bank AB's Pretax Margin % too high?
Norion Bank AB's current Pretax Margin % of 42.84% is near median its 10-year median of 41.71. The Banks industry median Pretax Margin % is 34.88. Norion Bank AB's value of 42.84% is 22.8% above this industry median. Based on the distribution chart, Norion Bank AB ranks #380 out of 1527 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Norion Bank AB has a GF Score™ of 50/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Norion Bank AB's Pretax Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Norion Bank AB ranks #380 out of 1527 companies for Pretax Margin %. This places Norion Bank AB in the top 25% of its industry — outperforming the majority of peers. The industry median Pretax Margin % is 34.88. Norion Bank AB's value of 42.84% is 22.8% above this benchmark. While the company's 10-year median is 41.71 vs. the industry median of 34.88, Norion Bank AB 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 34.88, 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. Norion Bank AB's current Pretax Margin % of 42.84% is 22.8% 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 Norion Bank AB 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. Norion Bank AB's current Pretax Margin % is 42.84%, which is near median its own 10-year median of 41.71. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Norion Bank AB stock overvalued right now?
Based on GuruFocus' analysis, Norion Bank AB (FRA:FN1) is currently considered Significantly Overvalued. The stock's GF Value™ is €4.02, compared to a current price of €5.42 — trading 34.8% above its estimated fair value. The current Pretax Margin % is 42.84%, which is near median its 10-year median of 41.71 and 22.8% above the Banks industry median of 34.88. Norion Bank AB's overall GF Score™ is 50/100 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 Norion Bank AB (FRA:FN1), the current Pretax Margin % is 42.84% 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 Norion Bank AB (FRA:FN1) Overvalued in 2026?
Based on GuruFocus' analysis, Norion Bank AB stock appears to be overvalued.
The current stock price of €5.42 is trading 34.8% above its estimated GF Value™ of €4.02.
GuruFocus considers Norion Bank AB to be Significantly Overvalued.
Key valuation signals for FRA:FN1:
Pretax Margin %: 42.84% (near median its 10-year median of 41.71)
GF Value™: €4.02 vs. price of €5.42 (34.8% above fair value)
Industry Position: 22.8% above the Banks median (#380 of 1527)
No single metric tells the full story. See the FRA:FN1 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Norion Bank AB specializes in financing solutions for corporate and private individuals, with particular focus on small and medium-sized companies. The main business is conducted through four segments namely Corporate, Real estate, Consumer and Payments. The Corporate segment includes corporate loans and factoring directed mainly at small and medium-sized companies in a wide range of industries in Sweden, Norway and Finland. The Real estate segment comprises real estate loans focusing on metropolitan areas and university cities in the Nordic region and the Consumer segment offers unsecured loans to private individuals The Payments segment offers payment and checkout solutions for e-commerce and retail chains.
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