The historical rank and industry rank for Agesa Hayat Ve Emeklilik AS's Pretax Margin % or its related term are showing as below:
IST:AGESA'
s Pretax Margin % Range Over the Past 10 Years
Min: 8.57 Med: 16.99 Max: 26.06
Current: 8.57
IST:AGESA's Pretax Margin % is ranked worse than 64.16% of 505
companies
in the Insurance industry
Industry Median: 12
vs IST:AGESA: 8.57
Agesa Hayat Ve Emeklilik AS (IST:AGESA) 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.
Agesa Hayat Ve Emeklilik AS Pretax Margin % Related Terms
Agesa Hayat Ve Emeklilik 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.
IST:AGESA vs BRK.A, AIG, HIG: Pretax Margin % Comparison
For the Insurance - Diversified subindustry, Agesa Hayat Ve Emeklilik 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.
Agesa Hayat Ve Emeklilik AS Pretax Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Agesa Hayat Ve Emeklilik AS's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Agesa Hayat Ve Emeklilik 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.
Agesa Hayat Ve Emeklilik AS (IST:AGESA) has a Pretax Margin % of 3.92% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Agesa Hayat Ve Emeklilik AS and its competitors. This is 77% below median its historical median of 16.99. Over the past decade, Agesa Hayat Ve Emeklilik AS's Pretax Margin % has ranged from 8.57 to 26.06. According to the industry distribution chart, Agesa Hayat Ve Emeklilik AS ranks #324 out of 505 companies in the Insurance industry, placing it in the top 64.2%.
Is Agesa Hayat Ve Emeklilik AS's Pretax Margin % too high?
Agesa Hayat Ve Emeklilik AS's current Pretax Margin % of 3.92% is 77% below median its 10-year median of 16.99. Over the past 10 years, this metric has ranged from a low of 8.57 to a high of 26.06. The Insurance industry median Pretax Margin % is 12.00. Agesa Hayat Ve Emeklilik AS's value of 3.92% is 67.3% below this industry median. Based on the distribution chart, Agesa Hayat Ve Emeklilik AS ranks #324 out of 505 companies in the Insurance industry, which is below the industry midpoint. Overall, Agesa Hayat Ve Emeklilik AS has a GF Score™ of 57/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Agesa Hayat Ve Emeklilik AS's Pretax Margin % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Agesa Hayat Ve Emeklilik AS ranks #324 out of 505 companies for Pretax Margin %. This places Agesa Hayat Ve Emeklilik AS in the lower half of its industry. The industry median Pretax Margin % is 12.00. Agesa Hayat Ve Emeklilik AS's value of 3.92% is 67.3% below this benchmark. Historically, Agesa Hayat Ve Emeklilik AS's own Pretax Margin % has ranged from 8.57 to 26.06 over the past decade. While the company's 10-year median is 16.99 vs. the industry median of 12.00, Agesa Hayat Ve Emeklilik 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 an Insurance company?
The median Pretax Margin % among Insurance companies is 12.00, based on 505 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. Agesa Hayat Ve Emeklilik AS's current Pretax Margin % of 3.92% is 67.3% 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 Agesa Hayat Ve Emeklilik AS and its competitors. For the Insurance industry, the median Pretax Margin % is 12.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Agesa Hayat Ve Emeklilik AS's current Pretax Margin % is 3.92%, which is 77% below median its own 10-year median of 16.99. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Agesa Hayat Ve Emeklilik AS stock overvalued right now?
Based on GuruFocus' analysis, Agesa Hayat Ve Emeklilik AS (IST:AGESA) is currently considered Modestly Undervalued. The stock's GF Value™ is ₺317.63, compared to a current price of ₺250.25 — trading 21.2% below its estimated fair value. The current Pretax Margin % is 3.92%, which is 77% below median its 10-year median of 16.99 and 67.3% below the Insurance industry median of 12.00. Agesa Hayat Ve Emeklilik AS's overall GF Score™ is 57/100 with 2 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 Agesa Hayat Ve Emeklilik AS (IST:AGESA), the current Pretax Margin % is 3.92% 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 Agesa Hayat Ve Emeklilik AS (IST:AGESA) Overvalued in 2026?
Based on GuruFocus' analysis, Agesa Hayat Ve Emeklilik AS stock appears to be undervalued.
The current stock price of ₺250.25 is trading 21.2% below its estimated GF Value™ of ₺317.63.
GuruFocus considers Agesa Hayat Ve Emeklilik AS to be Modestly Undervalued.
Key valuation signals for IST:AGESA:
Pretax Margin %: 3.92% (77% below median its 10-year median of 16.99)
GF Value™: ₺317.63 vs. price of ₺250.25 (21.2% below fair value)
Industry Position: 67.3% below the Insurance median (#324 of 505)
No single metric tells the full story. See the IST:AGESA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Agesa Hayat Ve Emeklilik AS is a diversified insurance company that provides private pension and life insurance services to customers in Turkey. The company operates various distribution channels including direct advisor sales, sales from the bank branch representatives, agents, and telemarketing. AvivaSA reports through four segments, including Pension, Life Protection, Life Savings, and Personal Accident. The company generates key revenue through its Life Protection segment.
57GF Score
Get the complete analysis for IST:AGESA
Pretax Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
IST:AGESA has been successfully added to your 
