Finbond GroupJSE:FGL 34 Pretax Margin % is 3.88% as of Feb. 2026, which is 37% below its 10-year median of 6.14. GuruFocus rates JSE:FGL with a GF Score™ of 34/100 and a GF Value™ of R0.92 (Fairly Valued). The stock has 7 warning signs investors should review. Among 1,530 Banks companies, Finbond Group ranks worse than 91.9% on this metric.
The historical rank and industry rank for Finbond Group's Pretax Margin % or its related term are showing as below:
JSE:FGL'
s Pretax Margin % Range Over the Past 10 Years
Min: -31.78 Med: 6.14 Max: 19.41
Current: 8.78
JSE:FGL's Pretax Margin % is ranked worse than 91.9% of 1530
companies
in the Banks industry
Industry Median: 34.715
vs JSE:FGL: 8.78
Finbond Group (JSE:FGL) 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.
Finbond Group Pretax Margin % Related Terms
Finbond Group Pretax Margin % Historical Data
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The historical data trend for Finbond Group'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.
JSE:FGL vs RKT, FNMA, PFSI: Pretax Margin % Comparison
For the Mortgage Finance subindustry, Finbond Group'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.
Finbond Group Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Finbond Group's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Finbond Group'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.
Finbond Group (JSE:FGL) has a Pretax Margin % of 3.88% as of Feb. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Finbond Group and its competitors. This is 37% below median its historical median of 6.14. According to the industry distribution chart, Finbond Group ranks #1406 out of 1530 companies in the Banks industry, placing it in the top 91.9%.
Is Finbond Group's Pretax Margin % too high?
Finbond Group's current Pretax Margin % of 3.88% is 37% below median its 10-year median of 6.14. The Banks industry median Pretax Margin % is 34.72. Finbond Group's value of 3.88% is 88.8% below this industry median. Based on the distribution chart, Finbond Group ranks #1406 out of 1530 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Finbond Group has a GF Score™ of 34/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Finbond Group's Pretax Margin % compare to RKT and FNMA?
According to the Banks industry distribution chart, Finbond Group ranks #1406 out of 1530 companies for Pretax Margin %. This places Finbond Group in the lower half of its industry. The industry median Pretax Margin % is 34.72. Finbond Group's value of 3.88% is 88.8% below this benchmark. While the company's 10-year median is 6.14 vs. the industry median of 34.72, Finbond Group 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 1,530 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. Finbond Group's current Pretax Margin % of 3.88% is 88.8% 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 Finbond Group 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. Finbond Group's current Pretax Margin % is 3.88%, which is 37% below median its own 10-year median of 6.14. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Finbond Group stock overvalued right now?
Based on GuruFocus' analysis, Finbond Group (JSE:FGL) is currently considered Fairly Valued. The stock's GF Value™ is R0.92, compared to a current price of R0.90 — trading 2.2% below its estimated fair value. The current Pretax Margin % is 3.88%, which is 37% below median its 10-year median of 6.14 and 88.8% below the Banks industry median of 34.72. Finbond Group's overall GF Score™ is 34/100 with 7 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 Finbond Group (JSE:FGL), the current Pretax Margin % is 3.88% as of Feb. 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 Finbond Group (JSE:FGL) Overvalued in 2026?
Based on GuruFocus' analysis, Finbond Group stock appears to be undervalued.
The current stock price of R0.90 is trading 2.2% below its estimated GF Value™ of R0.92.
GuruFocus considers Finbond Group to be Fairly Valued.
Key valuation signals for JSE:FGL:
Pretax Margin %: 3.88% (37% below median its 10-year median of 6.14)
GF Value™: R0.92 vs. price of R0.90 (2.2% below fair value)
Industry Position: 88.8% below the Banks median (#1406 of 1530)
No single metric tells the full story. See the JSE:FGL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Finbond Group Ltd is a financial services institution that is engaged in the design and delivery of value and solution-based savings, credit, and insurance solutions tailored to depositor and borrower requirements. The company's business segments are Deposit and Debt Finance Products, Lending, Property investment, and Transactional banking, and Others. It derives key revenue from the Lending segment. Company opertes in USA, South Africa, and Canada, with majority of revenue from USA.
34GF Score
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