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PT Bank Panin Dubai Syariah TbkISX:PNBS 67 Pretax Margin % is 34.70% as of Mar. 2026, which is 253% above its 10-year median of 9.83. GuruFocus rates ISX:PNBS with a GF Score™ of 67/100 and a GF Value™ of Rp50.02 (Fairly Valued). The stock has 1 warning sign investors should review. Among 1,527 Banks companies, PT Bank Panin Dubai Syariah Tbk ranks worse than 87.88% on this metric.
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 Panin Dubai Syariah Tbk Pretax Margin % Related Terms
PT Bank Panin Dubai Syariah 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 Panin Dubai Syariah Tbk Pretax Margin % Chart
For the Banks - Regional subindustry, PT Bank Panin Dubai Syariah 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 Panin Dubai Syariah Tbk Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, PT Bank Panin Dubai Syariah Tbk's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where PT Bank Panin Dubai Syariah 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 Panin Dubai Syariah Tbk (ISX:PNBS) has a Pretax Margin % of 34.70% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on PT Bank Panin Dubai Syariah Tbk and its competitors. This is 253% above median its historical median of 9.83. According to the industry distribution chart, PT Bank Panin Dubai Syariah Tbk ranks #1342 out of 1527 companies in the Banks industry, placing it in the top 87.9%.
Is PT Bank Panin Dubai Syariah Tbk's Pretax Margin % too high?
PT Bank Panin Dubai Syariah Tbk's current Pretax Margin % of 34.70% is 253% above median its 10-year median of 9.83. The Banks industry median Pretax Margin % is 35.20. PT Bank Panin Dubai Syariah Tbk's value of 34.70% is 1.4% below this industry median. Based on the distribution chart, PT Bank Panin Dubai Syariah Tbk ranks #1342 out of 1527 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, PT Bank Panin Dubai Syariah Tbk has a GF Score™ of 67/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does PT Bank Panin Dubai Syariah Tbk's Pretax Margin % compare to competitors?
According to the Banks industry distribution chart, PT Bank Panin Dubai Syariah Tbk ranks #1342 out of 1527 companies for Pretax Margin %. This places PT Bank Panin Dubai Syariah Tbk in the lower half of its industry. The industry median Pretax Margin % is 35.20. PT Bank Panin Dubai Syariah Tbk's value of 34.70% is 1.4% below this benchmark. While the company's 10-year median is 9.83 vs. the industry median of 35.20, PT Bank Panin Dubai Syariah 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 35.20, 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. PT Bank Panin Dubai Syariah Tbk's current Pretax Margin % of 34.70% is 1.4% 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 Panin Dubai Syariah Tbk and its competitors. For the Banks industry, the median Pretax Margin % is 35.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Bank Panin Dubai Syariah Tbk's current Pretax Margin % is 34.70%, which is 253% above median its own 10-year median of 9.83. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Bank Panin Dubai Syariah Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Bank Panin Dubai Syariah Tbk (ISX:PNBS) is currently considered Fairly Valued. The stock's GF Value™ is Rp50.02, compared to a current price of Rp51.00 — trading 2% above its estimated fair value. The current Pretax Margin % is 34.70%, which is 253% above median its 10-year median of 9.83 and 1.4% below the Banks industry median of 35.20. PT Bank Panin Dubai Syariah Tbk's overall GF Score™ is 67/100 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 Panin Dubai Syariah Tbk (ISX:PNBS), the current Pretax Margin % is 34.70% 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 Panin Dubai Syariah Tbk (ISX:PNBS) Overvalued in 2026?
Based on GuruFocus' analysis, PT Bank Panin Dubai Syariah Tbk stock appears to be overvalued.
The current stock price of Rp51.00 is trading 2% above its estimated GF Value™ of Rp50.02.
GuruFocus considers PT Bank Panin Dubai Syariah Tbk to be Fairly Valued.
Key valuation signals for ISX:PNBS:
Pretax Margin %: 34.70% (253% above median its 10-year median of 9.83)
GF Value™: Rp50.02 vs. price of Rp51.00 (2% above fair value)
Industry Position: 1.4% below the Banks median (#1342 of 1527)
No single metric tells the full story. See the ISX:PNBS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT Bank Panin Dubai Syariah Tbk Business Description
PT Bank Panin Dubai Syariah Tbk is an Indonesia-based Islamic commercial bank engaged in providing Sharia banking products and services. The bank offers financing products based on Murabahah, Mudharabah, Musyarakah, and Ijarah principles, along with savings accounts, current accounts, time deposits, treasury services, and digital banking solutions. Its operations serve retail, consumer, SME, and commercial banking customers in accordance with Islamic banking principles.
67GF Score
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