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.
ASOvings & Loans Pretax Margin % Related Terms
ASOvings & Loans Pretax Margin % Historical Data
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The historical data trend for ASOvings & Loans'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.
ASOvings & Loans Pretax Margin % Chart
ASOvings & Loans Annual Data
Trend
Dec17
Dec18
Dec19
Dec23
Dec24
Pretax Margin %
9,272.84
-695.91
-210.87
4.41
4.15
ASOvings & Loans Semi-Annual Data
Dec17
Dec18
Dec19
Dec23
Dec24
Pretax Margin %
9,272.84
-695.91
-210.87
4.41
4.15
NSA:ASOSAVINGS vs RKT, FNMA, PFSI: Pretax Margin % Comparison
For the Mortgage Finance subindustry, ASOvings & Loans'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.
ASOvings & Loans Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, ASOvings & Loans's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where ASOvings & Loans'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.
ASOvings & Loans (NSA:ASOSAVINGS) has a Pretax Margin % of 4.15% as of Dec. 2024. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on ASOvings & Loans and its competitors. This is near median its historical median of 4.15.
Is ASOvings & Loans' Pretax Margin % too high?
ASOvings & Loans' current Pretax Margin % of 4.15% is near median its 10-year median of 4.15. The Banks industry median Pretax Margin % is 34.66. ASOvings & Loans' value of 4.15% is 88% below this industry median. Overall, ASOvings & Loans has a GF Score™ of 9/100, reflecting its overall financial health beyond just this single metric.
How does ASOvings & Loans' Pretax Margin % compare to RKT and FNMA?
ASOvings & Loans' Pretax Margin % of 4.15% can be compared against companies in the Banks industry. The industry median Pretax Margin % is 34.66. ASOvings & Loans' value of 4.15% is 88% below this benchmark. While the company's 10-year median is 4.15 vs. the industry median of 34.66, ASOvings & Loans 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 34.66, 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. ASOvings & Loans's current Pretax Margin % of 4.15% is 88% 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 ASOvings & Loans 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. ASOvings & Loans's current Pretax Margin % is 4.15%, which is near median its own 10-year median of 4.15. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is ASOvings & Loans stock overvalued right now?
ASOvings & Loans (NSA:ASOSAVINGS) has a current Pretax Margin % of 4.15%. The stock's GF Value™ is ₦0.98, compared to a current price of ₦1.07 — trading 9.2% above its estimated fair value. The current Pretax Margin % is 4.15%, which is near median its 10-year median of 4.15 and 88% below the Banks industry median of 34.66. ASOvings & Loans' overall GF Score™ is 9/100 with 6 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 ASOvings & Loans (NSA:ASOSAVINGS), the current Pretax Margin % is 4.15% as of Dec. 2024. 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 ASOvings & Loans (NSA:ASOSAVINGS) Overvalued in 2026?
Based on GuruFocus' analysis, ASOvings & Loans stock appears to be overvalued.
The current stock price of ₦1.07 is trading 9.2% above its estimated GF Value™ of ₦0.98.
Key valuation signals for NSA:ASOSAVINGS:
Pretax Margin %: 4.15% (near median its 10-year median of 4.15)
GF Value™: ₦0.98 vs. price of ₦1.07 (9.2% above fair value)
No single metric tells the full story. See the NSA:ASOSAVINGS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
ASO Savings & Loans PLC is a Primary Mortgage Institution. The company provides several personal banking products & services, including Social Mortgage, ASO Commercial Mortgage Facility, ASO Performance Bond/Advance Payment Guarantee, Invoice Discounting Facility, Fixed Deposit Account, Regular Savings Account, Flourish Account (Children's Account), ASO Corporate Account, My House Account, ASO Plus Account (Saving Account), ASO Gap Account, ASO Excel Account (Hybrid of Current & Savings account), Commercial Real Estate Advisory, Issuance of Bonds, Issuance of Bank Guarantees, Mortgage Funds Management, and Financial Advisory and Consulting Services.
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