APS BankMAL:APS +0.88%21 Pretax Margin % is 35.78% as of Dec. 2025, which is 21% above its 10-year median of 29.68. GuruFocus rates MAL:APS with a GF Score™ of 21/100 and a GF Value™ of €0.61 (Fairly Valued). The stock has 7 warning signs investors should review. Among 1,530 Banks companies, APS Bank ranks worse than 63.86% on this metric.
Pre-Tax margin is calculated as Pre-Tax Income divided by its Revenue. APS Bank's Pre-Tax Income for the
six
months ended in Dec. 2025 was €17.35 Mil. APS Bank's Revenue for the
six
months ended in Dec. 2025 was €48.50 Mil. Therefore, APS Bank's pretax margin for the quarter that ended in Dec. 2025 was 35.78%.
The historical rank and industry rank for APS Bank's Pretax Margin % or its related term are showing as below:
MAL:APS'
s Pretax Margin % Range Over the Past 10 Years
Min: 24.22 Med: 29.68 Max: 38.12
Current: 29.68
MAL:APS's Pretax Margin % is ranked worse than 63.86% of 1530
companies
in the Banks industry
Industry Median: 34.715
vs MAL:APS: 29.68
APS Bank (MAL:APS) 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.
APS Bank Pretax Margin % Related Terms
APS Bank Pretax Margin % Historical Data
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The historical data trend for APS Bank'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.
For the Banks - Regional subindustry, APS Bank'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.
APS Bank Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, APS Bank's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where APS Bank'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.
APS Bank (MAL:APS) has a Pretax Margin % of 35.78% as of Dec. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on APS Bank and its competitors. This is 21% above median its historical median of 29.68. Over the past decade, APS Bank's Pretax Margin % has ranged from 24.22 to 38.12. According to the industry distribution chart, APS Bank ranks #977 out of 1530 companies in the Banks industry, placing it in the top 63.9%.
Is APS Bank's Pretax Margin % too high?
APS Bank's current Pretax Margin % of 35.78% is 21% above median its 10-year median of 29.68. Over the past 10 years, this metric has ranged from a low of 24.22 to a high of 38.12. The Banks industry median Pretax Margin % is 34.72. APS Bank's value of 35.78% is 3.1% above this industry median. Based on the distribution chart, APS Bank ranks #977 out of 1530 companies in the Banks industry, which is below the industry midpoint. Overall, APS Bank has a GF Score™ of 21/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does APS Bank's Pretax Margin % compare to PNC and USB?
According to the Banks industry distribution chart, APS Bank ranks #977 out of 1530 companies for Pretax Margin %. This places APS Bank in the lower half of its industry. The industry median Pretax Margin % is 34.72. APS Bank's value of 35.78% is 3.1% above this benchmark. Historically, APS Bank's own Pretax Margin % has ranged from 24.22 to 38.12 over the past decade. While the company's 10-year median is 29.68 vs. the industry median of 34.72, APS Bank 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 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. APS Bank's current Pretax Margin % of 35.78% is 3.1% 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 APS Bank 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. APS Bank's current Pretax Margin % is 35.78%, which is 21% above median its own 10-year median of 29.68. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is APS Bank stock overvalued right now?
Based on GuruFocus' analysis, APS Bank (MAL:APS) is currently considered Fairly Valued. The stock's GF Value™ is €0.61, compared to a current price of €0.57 — trading 6.6% below its estimated fair value. The current Pretax Margin % is 35.78%, which is 21% above median its 10-year median of 29.68 and 3.1% above the Banks industry median of 34.72. APS Bank's overall GF Score™ is 21/100 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 APS Bank (MAL:APS), the current Pretax Margin % is 35.78% as of Dec. 2025. 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 APS Bank (MAL:APS) Overvalued in 2026?
Based on GuruFocus' analysis, APS Bank stock appears to be undervalued.
The current stock price of €0.57 is trading 6.6% below its estimated GF Value™ of €0.61.
GuruFocus considers APS Bank to be Fairly Valued.
Key valuation signals for MAL:APS:
Pretax Margin %: 35.78% (21% above median its 10-year median of 29.68)
GF Value™: €0.61 vs. price of €0.57 (6.6% below fair value)
Industry Position: 3.1% above the Banks median (#977 of 1530)
No single metric tells the full story. See the MAL:APS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
APS Bank Ltd offers various personal banking and other financial products and services, including savings accounts, insurance and investment products, home loans, and personal loans, among others. It also caters to the banking needs of corporate customers. The company, along with its subsidiaries, operates in four reportable segments: Retail, Commercial, Investment Services, and Liquidity Management and Structured Loans. Maximum revenue is generated from the Retail segment, which offers various products and services to meet the personal banking needs of individual customers. This includes home loans, personal loans, overdraft facilities, deposit products, and other general banking activities.
21GF Score
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