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LivingTrust Mortgage BankNSA:LIVINGTRUST 61 Pretax Margin % is 3.87% as of Jun. 2026, which is 89% below its 10-year median of 34.31. GuruFocus rates NSA:LIVINGTRUST with a GF Score™ of 61/100 and a GF Value™ of ₦176.52 (Significantly Undervalued). The stock has 1 warning sign investors should review. Among 1,526 Banks companies, LivingTrust Mortgage Bank ranks worse than 71.95% on this metric.
The historical rank and industry rank for LivingTrust Mortgage Bank's Pretax Margin % or its related term are showing as below:
NSA:LIVINGTRUST'
s Pretax Margin % Range Over the Past 10 Years
Min: 15.95 Med: 34.31 Max: 55.03
Current: 25.94
NSA:LIVINGTRUST's Pretax Margin % is ranked worse than 71.95% of 1526
companies
in the Banks industry
Industry Median: 35.595
vs NSA:LIVINGTRUST: 25.94
LivingTrust Mortgage Bank (NSA:LIVINGTRUST) 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.
LivingTrust Mortgage Bank Pretax Margin % Related Terms
LivingTrust Mortgage Bank Pretax Margin % Historical Data
* 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:LIVINGTRUST vs RKT, FNMA, PFSI: Pretax Margin % Comparison
For the Mortgage Finance subindustry, LivingTrust 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.
LivingTrust Mortgage Bank Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, LivingTrust Mortgage Bank's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where LivingTrust 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.
LivingTrust Mortgage Bank (NSA:LIVINGTRUST) has a Pretax Margin % of 3.87% as of Jun. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on LivingTrust Mortgage Bank and its competitors. This is 89% below median its historical median of 34.31. Over the past decade, LivingTrust Mortgage Bank's Pretax Margin % has ranged from 15.95 to 55.03. According to the industry distribution chart, LivingTrust Mortgage Bank ranks #1098 out of 1526 companies in the Banks industry, placing it in the top 72%.
Is LivingTrust Mortgage Bank's Pretax Margin % too high?
LivingTrust Mortgage Bank's current Pretax Margin % of 3.87% is 89% below median its 10-year median of 34.31. Over the past 10 years, this metric has ranged from a low of 15.95 to a high of 55.03. The Banks industry median Pretax Margin % is 35.60. LivingTrust Mortgage Bank's value of 3.87% is 89.1% below this industry median. Based on the distribution chart, LivingTrust Mortgage Bank ranks #1098 out of 1526 companies in the Banks industry, which is below the industry midpoint. Overall, LivingTrust Mortgage Bank has a GF Score™ of 61/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does LivingTrust Mortgage Bank's Pretax Margin % compare to RKT and FNMA?
According to the Banks industry distribution chart, LivingTrust Mortgage Bank ranks #1098 out of 1526 companies for Pretax Margin %. This places LivingTrust Mortgage Bank in the lower half of its industry. The industry median Pretax Margin % is 35.60. LivingTrust Mortgage Bank's value of 3.87% is 89.1% below this benchmark. Historically, LivingTrust Mortgage Bank's own Pretax Margin % has ranged from 15.95 to 55.03 over the past decade. While the company's 10-year median is 34.31 vs. the industry median of 35.60, LivingTrust Mortgage Bank 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 35.60, based on 1,526 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. LivingTrust Mortgage Bank's current Pretax Margin % of 3.87% is 89.1% 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 LivingTrust Mortgage Bank and its competitors. For the Banks industry, the median Pretax Margin % is 35.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. LivingTrust Mortgage Bank's current Pretax Margin % is 3.87%, which is 89% below median its own 10-year median of 34.31. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is LivingTrust Mortgage Bank stock overvalued right now?
Based on GuruFocus' analysis, LivingTrust Mortgage Bank (NSA:LIVINGTRUST) is currently considered Significantly Undervalued. The stock's GF Value™ is ₦176.52, compared to a current price of ₦3.25 — trading 98.2% below its estimated fair value. The current Pretax Margin % is 3.87%, which is 89% below median its 10-year median of 34.31 and 89.1% below the Banks industry median of 35.60. LivingTrust Mortgage Bank's overall GF Score™ is 61/100 with 1 warning sign 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 LivingTrust Mortgage Bank (NSA:LIVINGTRUST), the current Pretax Margin % is 3.87% as of Jun. 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 LivingTrust Mortgage Bank (NSA:LIVINGTRUST) Overvalued in 2026?
Based on GuruFocus' analysis, LivingTrust Mortgage Bank stock appears to be undervalued.
The current stock price of ₦3.25 is trading 98.2% below its estimated GF Value™ of ₦176.52.
GuruFocus considers LivingTrust Mortgage Bank to be Significantly Undervalued.
Key valuation signals for NSA:LIVINGTRUST:
Pretax Margin %: 3.87% (89% below median its 10-year median of 34.31)
GF Value™: ₦176.52 vs. price of ₦3.25 (98.2% below fair value)
Industry Position: 89.1% below the Banks median (#1098 of 1526)
No single metric tells the full story. See the NSA:LIVINGTRUST stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
LivingTrust Mortgage Bank PLC is a Nigerian mortgage banking institution, with its principal business being the provision of mortgage banking and related financial intermediation services. The Bank operates as a single reportable business segment focused on mortgage banking and construction finance in accordance with Central Bank of Nigeria guidelines. Its products include mortgages and loans, as well as other banking services. The Bank provides services to individual, group, and corporate customers, including mortgage loan origination, housing finance, and financial support for micro, small, and medium-sized enterprises as part of its financial inclusion mandate.
61GF Score
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