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PT Paninvest TbkISX:PNIN -2.05%70 Pretax Margin % is 49.47% as of Mar. 2026, which is 8% above its 10-year median of 45.63. GuruFocus rates ISX:PNIN with a GF Score™ of 70/100 and a GF Value™ of Rp917.46 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 500 Insurance companies, PT Paninvest Tbk ranks better than 91.8% 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 Paninvest Tbk Pretax Margin % Related Terms
PT Paninvest Tbk Pretax Margin % Historical Data
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The historical data trend for PT Paninvest Tbk'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.
ISX:PNIN vs AFL, MET, PRU: Pretax Margin % Comparison
For the Insurance - Life subindustry, PT Paninvest 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 Paninvest Tbk Pretax Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, PT Paninvest Tbk's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where PT Paninvest 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 Paninvest Tbk (ISX:PNIN) has a Pretax Margin % of 49.47% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on PT Paninvest Tbk and its competitors. This is near median its historical median of 45.63. Over the past decade, PT Paninvest Tbk's Pretax Margin % has ranged from 35.13 to 64.98. According to the industry distribution chart, PT Paninvest Tbk ranks #41 out of 500 companies in the Insurance industry, placing it in the top 8.2%.
Is PT Paninvest Tbk's Pretax Margin % too high?
PT Paninvest Tbk's current Pretax Margin % of 49.47% is near median its 10-year median of 45.63. Over the past 10 years, this metric has ranged from a low of 35.13 to a high of 64.98. The Insurance industry median Pretax Margin % is 11.83. PT Paninvest Tbk's value of 49.47% is 318.4% above this industry median. Based on the distribution chart, PT Paninvest Tbk ranks #41 out of 500 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, PT Paninvest Tbk has a GF Score™ of 70/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does PT Paninvest Tbk's Pretax Margin % compare to AFL and MET?
According to the Insurance industry distribution chart, PT Paninvest Tbk ranks #41 out of 500 companies for Pretax Margin %. This places PT Paninvest Tbk in the top 8% of its industry — outperforming the majority of peers. The industry median Pretax Margin % is 11.83. PT Paninvest Tbk's value of 49.47% is 318.4% above this benchmark. Historically, PT Paninvest Tbk's own Pretax Margin % has ranged from 35.13 to 64.98 over the past decade. While the company's 10-year median is 45.63 vs. the industry median of 11.83, PT Paninvest Tbk 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 an Insurance company?
The median Pretax Margin % among Insurance companies is 11.83, based on 500 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 Paninvest Tbk's current Pretax Margin % of 49.47% is 318.4% 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 PT Paninvest Tbk and its competitors. For the Insurance industry, the median Pretax Margin % is 11.83 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT Paninvest Tbk's current Pretax Margin % is 49.47%, which is near median its own 10-year median of 45.63. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT Paninvest Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT Paninvest Tbk (ISX:PNIN) is currently considered Modestly Undervalued. The stock's GF Value™ is Rp917.46, compared to a current price of Rp715.00 — trading 22.1% below its estimated fair value. The current Pretax Margin % is 49.47%, which is near median its 10-year median of 45.63 and 318.4% above the Insurance industry median of 11.83. PT Paninvest Tbk's overall GF Score™ is 70/100 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 PT Paninvest Tbk (ISX:PNIN), the current Pretax Margin % is 49.47% 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 Paninvest Tbk (ISX:PNIN) Overvalued in 2026?
Based on GuruFocus' analysis, PT Paninvest Tbk stock appears to be undervalued.
The current stock price of Rp715.00 is trading 22.1% below its estimated GF Value™ of Rp917.46.
GuruFocus considers PT Paninvest Tbk to be Modestly Undervalued.
Key valuation signals for ISX:PNIN:
Pretax Margin %: 49.47% (near median its 10-year median of 45.63)
GF Value™: Rp917.46 vs. price of Rp715.00 (22.1% below fair value)
Industry Position: 318.4% above the Insurance median (#41 of 500)
No single metric tells the full story. See the ISX:PNIN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT Paninvest Tbk is an Indonesia-based company mainly engaged in providing life insurance products. The group classifies their lines of business into life insurance which comprises death, personal health, personal accident, unit link, and others. The company's reportable segments consist of life insurance and business consulting services, banking and multi-finance, trade and services, and tourism. Geographically, all the business activity functions through the region of Indonesia and it derives majority of the income in the form of premiums and commissions.
70GF Score
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