Stanbic HoldingsNAI:SBIC +0.52%55 Pretax Margin % is 44.26% as of Jun. 2025, which is 15% above its 10-year median of 38.52. GuruFocus rates NAI:SBIC with a GF Score™ of 55/100 and a GF Value™ of KES171.80 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,525 Banks companies, Stanbic Holdings ranks better than 74.23% 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.
Stanbic Holdings Pretax Margin % Related Terms
Stanbic Holdings Pretax Margin % Historical Data
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The historical data trend for Stanbic Holdings'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, Stanbic Holdings'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.
Stanbic Holdings Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Stanbic Holdings's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Stanbic Holdings'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.
Stanbic Holdings (NAI:SBIC) has a Pretax Margin % of 44.26% as of Jun. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Stanbic Holdings and its competitors. This is 15% above median its historical median of 38.52. Over the past decade, Stanbic Holdings' Pretax Margin % has ranged from 26.86 to 47.78. According to the industry distribution chart, Stanbic Holdings ranks #393 out of 1525 companies in the Banks industry, placing it in the top 25.8%.
Is Stanbic Holdings' Pretax Margin % too high?
Stanbic Holdings' current Pretax Margin % of 44.26% is 15% above median its 10-year median of 38.52. Over the past 10 years, this metric has ranged from a low of 26.86 to a high of 47.78. The Banks industry median Pretax Margin % is 34.66. Stanbic Holdings' value of 44.26% is 27.7% above this industry median. Based on the distribution chart, Stanbic Holdings ranks #393 out of 1525 companies in the Banks industry, which is above the industry midpoint. Overall, Stanbic Holdings has a GF Score™ of 55/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Stanbic Holdings' Pretax Margin % compare to competitors?
According to the Banks industry distribution chart, Stanbic Holdings ranks #393 out of 1525 companies for Pretax Margin %. This puts Stanbic Holdings in the upper half of its industry. The industry median Pretax Margin % is 34.66. Stanbic Holdings' value of 44.26% is 27.7% above this benchmark. Historically, Stanbic Holdings' own Pretax Margin % has ranged from 26.86 to 47.78 over the past decade. While the company's 10-year median is 38.52 vs. the industry median of 34.66, Stanbic Holdings 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 34.66, based on 1,525 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. Stanbic Holdings's current Pretax Margin % of 44.26% is 27.7% 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 Stanbic Holdings and its competitors. For the Banks industry, the median Pretax Margin % is 34.66 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Stanbic Holdings's current Pretax Margin % is 44.26%, which is 15% above median its own 10-year median of 38.52. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Stanbic Holdings stock overvalued right now?
Based on GuruFocus' analysis, Stanbic Holdings (NAI:SBIC) is currently considered Significantly Overvalued. The stock's GF Value™ is KES171.80, compared to a current price of KES291.50 — trading 69.7% above its estimated fair value. The current Pretax Margin % is 44.26%, which is 15% above median its 10-year median of 38.52 and 27.7% above the Banks industry median of 34.66. Stanbic Holdings' overall GF Score™ is 55/100 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 Stanbic Holdings (NAI:SBIC), the current Pretax Margin % is 44.26% as of Jun. 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 Stanbic Holdings (NAI:SBIC) Overvalued in 2026?
Based on GuruFocus' analysis, Stanbic Holdings stock appears to be overvalued.
The current stock price of KES291.50 is trading 69.7% above its estimated GF Value™ of KES171.80.
GuruFocus considers Stanbic Holdings to be Significantly Overvalued.
Key valuation signals for NAI:SBIC:
Pretax Margin %: 44.26% (15% above median its 10-year median of 38.52)
GF Value™: KES171.80 vs. price of KES291.50 (69.7% above fair value)
Industry Position: 27.7% above the Banks median (#393 of 1525)
No single metric tells the full story. See the NAI:SBIC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Stanbic Holdings PLC is a financial services company. It is organized into two business units, Corporate and Investment Banking, Personal and Business Banking. Corporate and Investment Banking provides commercial and investment financial services to larger corporate, financial institutions, and international counter parties. The company's products include transactional products and services and investment banking. The Personal and Business Banking provides banking services to individual customers and small to medium-sized enterprises. The products offered include mortgage lending, instalment sales, and finance leases, card products, transactional and lending products, amongst others.
55GF Score
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