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Abbey Mortgage BankNSA:ABBEYBANK +3.30%35 Pretax Margin % is 50.81% as of Dec. 2025, which is 363% above its 10-year median of 10.98. GuruFocus rates NSA:ABBEYBANK with a GF Score™ of 35/100 and a GF Value™ of ₦5.61 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,525 Banks companies, Abbey Mortgage Bank ranks better than 83.61% on this metric.
The historical rank and industry rank for Abbey Mortgage Bank's Pretax Margin % or its related term are showing as below:
NSA:ABBEYBANK'
s Pretax Margin % Range Over the Past 10 Years
Min: -450.51 Med: 10.98 Max: 50.81
Current: 50.81
NSA:ABBEYBANK's Pretax Margin % is ranked better than 83.61% of 1525
companies
in the Banks industry
Industry Median: 34.96
vs NSA:ABBEYBANK: 50.81
Abbey Mortgage Bank (NSA:ABBEYBANK) 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.
Abbey Mortgage Bank Pretax Margin % Related Terms
Abbey Mortgage Bank Pretax Margin % Historical Data
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The historical data trend for Abbey Mortgage 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.
NSA:ABBEYBANK vs PNC, USB: Pretax Margin % Comparison
For the Banks - Regional subindustry, Abbey Mortgage 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.
Abbey Mortgage Bank Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Abbey Mortgage Bank's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Abbey Mortgage 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.
Abbey Mortgage Bank (NSA:ABBEYBANK) has a Pretax Margin % of 50.81% as of Dec. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Abbey Mortgage Bank and its competitors. This is 363% above median its historical median of 10.98. According to the industry distribution chart, Abbey Mortgage Bank ranks #250 out of 1525 companies in the Banks industry, placing it in the top 16.4%.
Is Abbey Mortgage Bank's Pretax Margin % too high?
Abbey Mortgage Bank's current Pretax Margin % of 50.81% is 363% above median its 10-year median of 10.98. The Banks industry median Pretax Margin % is 34.96. Abbey Mortgage Bank's value of 50.81% is 45.3% above this industry median. Based on the distribution chart, Abbey Mortgage Bank ranks #250 out of 1525 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Abbey Mortgage Bank has a GF Score™ of 35/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Abbey Mortgage Bank's Pretax Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Abbey Mortgage Bank ranks #250 out of 1525 companies for Pretax Margin %. This places Abbey Mortgage Bank in the top 16% of its industry — outperforming the majority of peers. The industry median Pretax Margin % is 34.96. Abbey Mortgage Bank's value of 50.81% is 45.3% above this benchmark. While the company's 10-year median is 10.98 vs. the industry median of 34.96, Abbey Mortgage 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 34.96, 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. Abbey Mortgage Bank's current Pretax Margin % of 50.81% is 45.3% 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 Abbey Mortgage Bank and its competitors. For the Banks industry, the median Pretax Margin % is 34.96 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Abbey Mortgage Bank's current Pretax Margin % is 50.81%, which is 363% above median its own 10-year median of 10.98. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Abbey Mortgage Bank stock overvalued right now?
Based on GuruFocus' analysis, Abbey Mortgage Bank (NSA:ABBEYBANK) is currently considered Significantly Overvalued. The stock's GF Value™ is ₦5.61, compared to a current price of ₦9.40 — trading 67.6% above its estimated fair value. The current Pretax Margin % is 50.81%, which is 363% above median its 10-year median of 10.98 and 45.3% above the Banks industry median of 34.96. Abbey Mortgage Bank's overall GF Score™ is 35/100 with 4 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 Abbey Mortgage Bank (NSA:ABBEYBANK), the current Pretax Margin % is 50.81% 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 Abbey Mortgage Bank (NSA:ABBEYBANK) Overvalued in 2026?
Based on GuruFocus' analysis, Abbey Mortgage Bank stock appears to be overvalued.
The current stock price of ₦9.40 is trading 67.6% above its estimated GF Value™ of ₦5.61.
GuruFocus considers Abbey Mortgage Bank to be Significantly Overvalued.
Key valuation signals for NSA:ABBEYBANK:
Pretax Margin %: 50.81% (363% above median its 10-year median of 10.98)
GF Value™: ₦5.61 vs. price of ₦9.40 (67.6% above fair value)
Industry Position: 45.3% above the Banks median (#250 of 1525)
No single metric tells the full story. See the NSA:ABBEYBANK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Abbey Mortgage Bank PLC provides loan, mortgage, and banking services to corporate and individual customers. The Bank's operations are geographically divided into two segments based on its operations within northern and southern Nigeria The company offers a savings account, deposits, fund management services, personal loans, real estate and mortgage services, and construction financing, among others.
35GF Score
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