PT Bank Raya Indonesia TbkISX:AGRO -0.75%56 Pretax Margin % is 2.79% as of Mar. 2026, which is 69% below its 10-year median of 9.11. GuruFocus rates ISX:AGRO with a GF Score™ of 56/100 and a GF Value™ of Rp210.29 (Significantly Undervalued). The stock has 1 warning sign investors should review. Among 1,528 Banks companies, PT Bank Raya Indonesia Tbk ranks worse than 98.17% on this metric.
The historical rank and industry rank for PT Bank Raya Indonesia Tbk's Pretax Margin % or its related term are showing as below:
ISX:AGRO'
s Pretax Margin % Range Over the Past 10 Years
Min: -320.33 Med: 9.11 Max: 40.88
Current: -36.86
ISX:AGRO's Pretax Margin % is ranked worse than 98.17% of 1528
companies
in the Banks industry
Industry Median: 34.715
vs ISX:AGRO: -36.86
PT Bank Raya Indonesia Tbk (ISX:AGRO) 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.
PT Bank Raya Indonesia Tbk Pretax Margin % Related Terms
PT Bank Raya Indonesia Tbk 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.
PT Bank Raya Indonesia Tbk Pretax Margin % Competitor Comparison
For the Banks - Regional subindustry, PT Bank Raya Indonesia Tbk'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.
PT Bank Raya Indonesia Tbk Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, PT Bank Raya Indonesia Tbk's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where PT Bank Raya Indonesia Tbk'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.
PT Bank Raya Indonesia Tbk (ISX:AGRO) has a Pretax Margin % of 2.79% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on PT Bank Raya Indonesia Tbk and its competitors. This is 69% below median its historical median of 9.11. According to the industry distribution chart, PT Bank Raya Indonesia Tbk ranks #1500 out of 1528 companies in the Banks industry, placing it in the top 98.2%.
Is PT Bank Raya Indonesia Tbk's Pretax Margin % too high?
PT Bank Raya Indonesia Tbk's current Pretax Margin % of 2.79% is 69% below median its 10-year median of 9.11. The Banks industry median Pretax Margin % is 34.72. PT Bank Raya Indonesia Tbk's value of 2.79% is 92% below this industry median. Based on the distribution chart, PT Bank Raya Indonesia Tbk ranks #1500 out of 1528 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, PT Bank Raya Indonesia Tbk has a GF Score™ of 56/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT Bank Raya Indonesia Tbk's Pretax Margin % compare to competitors?
According to the Banks industry distribution chart, PT Bank Raya Indonesia Tbk ranks #1500 out of 1528 companies for Pretax Margin %. This places PT Bank Raya Indonesia Tbk in the lower half of its industry. The industry median Pretax Margin % is 34.72. PT Bank Raya Indonesia Tbk's value of 2.79% is 92% below this benchmark. While the company's 10-year median is 9.11 vs. the industry median of 34.72, PT Bank Raya Indonesia Tbk 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 1,528 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. PT Bank Raya Indonesia Tbk's current Pretax Margin % of 2.79% is 92% 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 PT Bank Raya Indonesia Tbk 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. PT Bank Raya Indonesia Tbk's current Pretax Margin % is 2.79%, which is 69% below median its own 10-year median of 9.11. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank Raya Indonesia Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Bank Raya Indonesia Tbk (ISX:AGRO) is currently considered Significantly Undervalued. The stock's GF Value™ is Rp210.29, compared to a current price of Rp133.00 — trading 36.8% below its estimated fair value. The current Pretax Margin % is 2.79%, which is 69% below median its 10-year median of 9.11 and 92% below the Banks industry median of 34.72. PT Bank Raya Indonesia Tbk's overall GF Score™ is 56/100 with 1 warning sign 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 PT Bank Raya Indonesia Tbk (ISX:AGRO), the current Pretax Margin % is 2.79% 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 PT Bank Raya Indonesia Tbk (ISX:AGRO) Overvalued in 2026?
Based on GuruFocus' analysis, PT Bank Raya Indonesia Tbk stock appears to be undervalued.
The current stock price of Rp133.00 is trading 36.8% below its estimated GF Value™ of Rp210.29.
GuruFocus considers PT Bank Raya Indonesia Tbk to be Significantly Undervalued.
Key valuation signals for ISX:AGRO:
Pretax Margin %: 2.79% (69% below median its 10-year median of 9.11)
GF Value™: Rp210.29 vs. price of Rp133.00 (36.8% below fair value)
Industry Position: 92% below the Banks median (#1500 of 1528)
No single metric tells the full story. See the ISX:AGRO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT Bank Raya Indonesia Tbk is an Indonesian banking corporation. The company provides services of savings deposits, demand deposits, time deposits, cash management, lending services, and other credit facilities. Its operating segments are Consumer, Retail, Middle, and Others. The bank generates its revenues in the form of interest income.
56GF Score
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