The historical rank and industry rank for Sterling Financial Holdings Co's Pretax Margin % or its related term are showing as below:
NSA:STERLINGNG'
s Pretax Margin % Range Over the Past 10 Years
Min: 8.85 Med: 15.42 Max: 27.79
Current: 22.98
NSA:STERLINGNG's Pretax Margin % is ranked worse than 76.08% of 1530
companies
in the Banks industry
Industry Median: 34.655
vs NSA:STERLINGNG: 22.98
Sterling Financial Holdings Co (NSA:STERLINGNG) 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.
Sterling Financial Holdings Co Pretax Margin % Related Terms
Sterling Financial Holdings Co 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.
Sterling Financial Holdings Co Pretax Margin % Chart
NSA:STERLINGNG vs PNC, USB: Pretax Margin % Comparison
For the Banks - Regional subindustry, Sterling Financial Holdings Co'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.
Sterling Financial Holdings Co Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Sterling Financial Holdings Co's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Sterling Financial Holdings Co'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.
Sterling Financial Holdings Co (NSA:STERLINGNG) has a Pretax Margin % of % as of Dec. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Sterling Financial Holdings Co and its competitors. Over the past decade, Sterling Financial Holdings Co's Pretax Margin % has ranged from 8.85 to 27.79. According to the industry distribution chart, Sterling Financial Holdings Co ranks #1164 out of 1530 companies in the Banks industry, placing it in the top 76.1%.
Is Sterling Financial Holdings Co's Pretax Margin % too high?
Sterling Financial Holdings Co's current Pretax Margin % is %. Over the past 10 years, this metric has ranged from a low of 8.85 to a high of 27.79. Based on the distribution chart, Sterling Financial Holdings Co ranks #1164 out of 1530 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Sterling Financial Holdings Co has a GF Score™ of 49/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Sterling Financial Holdings Co's Pretax Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Sterling Financial Holdings Co ranks #1164 out of 1530 companies for Pretax Margin %. This places Sterling Financial Holdings Co in the lower half of its industry. The industry median Pretax Margin % is 34.66. Historically, Sterling Financial Holdings Co's own Pretax Margin % has ranged from 8.85 to 27.79 over the past decade. 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 1,530 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. 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 Sterling Financial Holdings Co 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. Sterling Financial Holdings Co's current Pretax Margin % is %. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sterling Financial Holdings Co stock overvalued right now?
Based on GuruFocus' analysis, Sterling Financial Holdings Co (NSA:STERLINGNG) is currently considered Significantly Overvalued. The stock's GF Value™ is ₦5.70, compared to a current price of ₦7.60 — trading 33.3% above its estimated fair value. The current Pretax Margin % is %. Sterling Financial Holdings Co's overall GF Score™ is 49/100 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 Sterling Financial Holdings Co (NSA:STERLINGNG), the current Pretax Margin % is % 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 Sterling Financial Holdings Co (NSA:STERLINGNG) Overvalued in 2026?
Based on GuruFocus' analysis, Sterling Financial Holdings Co stock appears to be overvalued.
The current stock price of ₦7.60 is trading 33.3% above its estimated GF Value™ of ₦5.70.
GuruFocus considers Sterling Financial Holdings Co to be Significantly Overvalued.
Key valuation signals for NSA:STERLINGNG:
Pretax Margin %: %
GF Value™: ₦5.70 vs. price of ₦7.60 (33.3% above fair value)
No single metric tells the full story. See the NSA:STERLINGNG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Sterling Financial Holdings Co Business Description
Sterling Financial Holdings Co PLC is a developer of a nonoperating financial holding structure designed to support and grow a diversified portfolio of banking and financial service companies. The company offers commercial banking, non-interest banking, and asset management through subsidiaries, enabling individuals, businesses, and institutions to access loans, trade finance, digital banking, and investment products. The Group has five reportable segments: Retail Banking, Commercial Banking, Institutional Banking, Corporate & Investment Banking, and Special Purpose Vehicle (SPV), which are the Bank's strategic business units.
49GF Score
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Pretax Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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