AIICO InsuranceNSA:AIIC +0.50%44 Pretax Margin % is 10.48% as of Mar. 2026, which is 2% above its 10-year median of 10.25. GuruFocus rates NSA:AIIC with a GF Score™ of 44/100 and a GF Value™ of ₦4.95 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 503 Insurance companies, AIICO Insurance ranks worse than 76.34% 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.
AIICO Insurance Pretax Margin % Related Terms
AIICO Insurance Pretax Margin % Historical Data
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The historical data trend for AIICO Insurance'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:AIIC vs BRK.A, AIG, HIG: Pretax Margin % Comparison
For the Insurance - Diversified subindustry, AIICO Insurance'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.
AIICO Insurance Pretax Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, AIICO Insurance's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where AIICO Insurance'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.
AIICO Insurance (NSA:AIIC) has a Pretax Margin % of 10.48% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on AIICO Insurance and its competitors. This is near median its historical median of 10.25. Over the past decade, AIICO Insurance's Pretax Margin % has ranged from 4.32 to 38.69. According to the industry distribution chart, AIICO Insurance ranks #384 out of 503 companies in the Insurance industry, placing it in the top 76.3%.
Is AIICO Insurance's Pretax Margin % too high?
AIICO Insurance's current Pretax Margin % of 10.48% is near median its 10-year median of 10.25. Over the past 10 years, this metric has ranged from a low of 4.32 to a high of 38.69. The Insurance industry median Pretax Margin % is 12.04. AIICO Insurance's value of 10.48% is 13% below this industry median. Based on the distribution chart, AIICO Insurance ranks #384 out of 503 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, AIICO Insurance has a GF Score™ of 44/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does AIICO Insurance's Pretax Margin % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, AIICO Insurance ranks #384 out of 503 companies for Pretax Margin %. This places AIICO Insurance in the lower half of its industry. The industry median Pretax Margin % is 12.04. AIICO Insurance's value of 10.48% is 13% below this benchmark. Historically, AIICO Insurance's own Pretax Margin % has ranged from 4.32 to 38.69 over the past decade. While the company's 10-year median is 10.25 vs. the industry median of 12.04, AIICO Insurance 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 an Insurance company?
The median Pretax Margin % among Insurance companies is 12.04, based on 503 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. AIICO Insurance's current Pretax Margin % of 10.48% is 13% 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 AIICO Insurance and its competitors. For the Insurance industry, the median Pretax Margin % is 12.04 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AIICO Insurance's current Pretax Margin % is 10.48%, which is near median its own 10-year median of 10.25. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is AIICO Insurance stock overvalued right now?
Based on GuruFocus' analysis, AIICO Insurance (NSA:AIIC) is currently considered Modestly Undervalued. The stock's GF Value™ is ₦4.95, compared to a current price of ₦4.05 — trading 18.2% below its estimated fair value. The current Pretax Margin % is 10.48%, which is near median its 10-year median of 10.25 and 13% below the Insurance industry median of 12.04. AIICO Insurance's overall GF Score™ is 44/100 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 AIICO Insurance (NSA:AIIC), the current Pretax Margin % is 10.48% 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 AIICO Insurance (NSA:AIIC) Overvalued in 2026?
Based on GuruFocus' analysis, AIICO Insurance stock appears to be undervalued.
The current stock price of ₦4.05 is trading 18.2% below its estimated GF Value™ of ₦4.95.
GuruFocus considers AIICO Insurance to be Modestly Undervalued.
Key valuation signals for NSA:AIIC:
Pretax Margin %: 10.48% (near median its 10-year median of 10.25)
GF Value™: ₦4.95 vs. price of ₦4.05 (18.2% below fair value)
Industry Position: 13% below the Insurance median (#384 of 503)
No single metric tells the full story. See the NSA:AIIC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
AIICO Insurance PLC provides life and health insurance, general insurance, investment management, and pension management services as a means to create and protect wealth for individuals, families, and corporate customers in Nigeria. The company's key business areas include Life Insurance Business, Non-Life Insurance Business, Health, and Wealth Management, Deposit Administration, and Financial Services to organizations and private individuals. The group has four reportable segments: Life business, which generates maximum revenue, General business, Health management services, and Asset management. The life insurance segment offers savings, protection products and other long-term contracts. It comprises of whole life, term assurance, guaranteed pensions, pure endowment pensions and Others.
44GF Score
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