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Yapi Ve Kredi Bankasi ASHAM:YKS 65 Pretax Margin % is 32.63% as of Mar. 2026, which is 5% above its 10-year median of 31.06. GuruFocus rates HAM:YKS with a GF Score™ of 65/100 and a GF Value™ of €2.39. The stock has 3 warning signs investors should review. Among 1,526 Banks companies, Yapi Ve Kredi Bankasi AS ranks worse than 64.81% on this metric.
Yapi Ve Kredi Bankasi AS (HAM:YKS) 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.
Yapi Ve Kredi Bankasi AS Pretax Margin % Related Terms
Yapi Ve Kredi Bankasi AS 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.
Yapi Ve Kredi Bankasi AS Pretax Margin % Competitor Comparison
For the Banks - Regional subindustry, Yapi Ve Kredi Bankasi AS'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.
Yapi Ve Kredi Bankasi AS Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Yapi Ve Kredi Bankasi AS's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Yapi Ve Kredi Bankasi AS'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.
Yapi Ve Kredi Bankasi AS (HAM:YKS) has a Pretax Margin % of 32.63% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Yapi Ve Kredi Bankasi AS and its competitors. This is near median its historical median of 31.06. Over the past decade, Yapi Ve Kredi Bankasi AS's Pretax Margin % has ranged from 21.45 to 60.00. According to the industry distribution chart, Yapi Ve Kredi Bankasi AS ranks #989 out of 1526 companies in the Banks industry, placing it in the top 64.8%.
Is Yapi Ve Kredi Bankasi AS's Pretax Margin % too high?
Yapi Ve Kredi Bankasi AS's current Pretax Margin % of 32.63% is near median its 10-year median of 31.06. Over the past 10 years, this metric has ranged from a low of 21.45 to a high of 60.00. The Banks industry median Pretax Margin % is 35.36. Yapi Ve Kredi Bankasi AS's value of 32.63% is 7.7% below this industry median. Based on the distribution chart, Yapi Ve Kredi Bankasi AS ranks #989 out of 1526 companies in the Banks industry, which is below the industry midpoint. Overall, Yapi Ve Kredi Bankasi AS has a GF Score™ of 65/100, reflecting its overall financial health beyond just this single metric.
How does Yapi Ve Kredi Bankasi AS's Pretax Margin % compare to competitors?
According to the Banks industry distribution chart, Yapi Ve Kredi Bankasi AS ranks #989 out of 1526 companies for Pretax Margin %. This places Yapi Ve Kredi Bankasi AS in the lower half of its industry. The industry median Pretax Margin % is 35.36. Yapi Ve Kredi Bankasi AS's value of 32.63% is 7.7% below this benchmark. Historically, Yapi Ve Kredi Bankasi AS's own Pretax Margin % has ranged from 21.45 to 60.00 over the past decade. While the company's 10-year median is 31.06 vs. the industry median of 35.36, Yapi Ve Kredi Bankasi AS 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 35.36, 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. Yapi Ve Kredi Bankasi AS's current Pretax Margin % of 32.63% is 7.7% 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 Yapi Ve Kredi Bankasi AS and its competitors. For the Banks industry, the median Pretax Margin % is 35.36 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Yapi Ve Kredi Bankasi AS's current Pretax Margin % is 32.63%, which is near median its own 10-year median of 31.06. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Yapi Ve Kredi Bankasi AS stock overvalued right now?
Yapi Ve Kredi Bankasi AS (HAM:YKS) has a current Pretax Margin % of 32.63%. The stock's GF Value™ is €2.39, compared to a current price of €3.72 — trading 55.6% above its estimated fair value. The current Pretax Margin % is 32.63%, which is near median its 10-year median of 31.06 and 7.7% below the Banks industry median of 35.36. Yapi Ve Kredi Bankasi AS's overall GF Score™ is 65/100 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 Yapi Ve Kredi Bankasi AS (HAM:YKS), the current Pretax Margin % is 32.63% 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 Yapi Ve Kredi Bankasi AS (HAM:YKS) Overvalued in 2026?
Based on GuruFocus' analysis, Yapi Ve Kredi Bankasi AS stock appears to be overvalued.
The current stock price of €3.72 is trading 55.6% above its estimated GF Value™ of €2.39.
Key valuation signals for HAM:YKS:
Pretax Margin %: 32.63% (near median its 10-year median of 31.06)
GF Value™: €2.39 vs. price of €3.72 (55.6% above fair value)
Industry Position: 7.7% below the Banks median (#989 of 1526)
No single metric tells the full story. See the HAM:YKS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Yapi Ve Kredi Bankasi AS is a private capital commercial bank authorised to perform all banking, economic, financial and commercial activities. The company's operating segments are Retail Banking, Corporate Banking, Commercial and SME Banking, Treasury asset-liability management and other. The company generates majority of revenue from retail Banking activities which include card payment systems, individual, individual portfolio, blue class, private banking. Retail Banking products and services offered to customers include card payment systems, consumer loans, commercial installment loans, time and demand deposits, gold banking, investment accounts, life and non-life insurance products and payroll services. It generates majority of income from Domestic country.
65GF Score
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