Jammu & Kashmir BankNSE:J&KBANK +5.44%50 Pretax Margin % is 49.23% as of Mar. 2026, which is 207% above its 10-year median of 16.06. GuruFocus rates NSE:J&KBANK with a GF Score™ of 50/100 and a GF Value™ of ₹116.50 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,528 Banks companies, Jammu & Kashmir Bank ranks better than 70.88% on this metric.
The historical rank and industry rank for Jammu & Kashmir Bank's Pretax Margin % or its related term are showing as below:
NSE:J&KBANK'
s Pretax Margin % Range Over the Past 10 Years
Min: -54.47 Med: 16.06 Max: 43.37
Current: 43.35
NSE:J&KBANK's Pretax Margin % is ranked better than 70.88% of 1528
companies
in the Banks industry
Industry Median: 34.715
vs NSE:J&KBANK: 43.35
Jammu & Kashmir Bank (NSE:J&KBANK) 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.
Jammu & Kashmir Bank Pretax Margin % Related Terms
Jammu & Kashmir Bank Pretax Margin % Historical Data
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The historical data trend for Jammu & Kashmir 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.
Jammu & Kashmir Bank Pretax Margin % Competitor Comparison
For the Banks - Regional subindustry, Jammu & Kashmir 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.
Jammu & Kashmir Bank Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Jammu & Kashmir Bank's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Jammu & Kashmir 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.
Jammu & Kashmir Bank (NSE:J&KBANK) has a Pretax Margin % of 49.23% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Jammu & Kashmir Bank and its competitors. This is 207% above median its historical median of 16.06. According to the industry distribution chart, Jammu & Kashmir Bank ranks #445 out of 1528 companies in the Banks industry, placing it in the top 29.1%.
Is Jammu & Kashmir Bank's Pretax Margin % too high?
Jammu & Kashmir Bank's current Pretax Margin % of 49.23% is 207% above median its 10-year median of 16.06. The Banks industry median Pretax Margin % is 34.72. Jammu & Kashmir Bank's value of 49.23% is 41.8% above this industry median. Based on the distribution chart, Jammu & Kashmir Bank ranks #445 out of 1528 companies in the Banks industry, which is above the industry midpoint. Overall, Jammu & Kashmir Bank has a GF Score™ of 50/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Jammu & Kashmir Bank's Pretax Margin % compare to competitors?
According to the Banks industry distribution chart, Jammu & Kashmir Bank ranks #445 out of 1528 companies for Pretax Margin %. This puts Jammu & Kashmir Bank in the upper half of its industry. The industry median Pretax Margin % is 34.72. Jammu & Kashmir Bank's value of 49.23% is 41.8% above this benchmark. While the company's 10-year median is 16.06 vs. the industry median of 34.72, Jammu & Kashmir 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 34.72, based on 1,528 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. Jammu & Kashmir Bank's current Pretax Margin % of 49.23% is 41.8% 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 Jammu & Kashmir Bank and its competitors. For the Banks industry, the median Pretax Margin % is 34.72 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Jammu & Kashmir Bank's current Pretax Margin % is 49.23%, which is 207% above median its own 10-year median of 16.06. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Jammu & Kashmir Bank stock overvalued right now?
Based on GuruFocus' analysis, Jammu & Kashmir Bank (NSE:J&KBANK) is currently considered Significantly Overvalued. The stock's GF Value™ is ₹116.50, compared to a current price of ₹164.70 — trading 41.4% above its estimated fair value. The current Pretax Margin % is 49.23%, which is 207% above median its 10-year median of 16.06 and 41.8% above the Banks industry median of 34.72. Jammu & Kashmir Bank's overall GF Score™ is 50/100 with 7 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 Jammu & Kashmir Bank (NSE:J&KBANK), the current Pretax Margin % is 49.23% 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 Jammu & Kashmir Bank (NSE:J&KBANK) Overvalued in 2026?
Based on GuruFocus' analysis, Jammu & Kashmir Bank stock appears to be overvalued.
The current stock price of ₹164.70 is trading 41.4% above its estimated GF Value™ of ₹116.50.
GuruFocus considers Jammu & Kashmir Bank to be Significantly Overvalued.
Key valuation signals for NSE:J&KBANK:
Pretax Margin %: 49.23% (207% above median its 10-year median of 16.06)
GF Value™: ₹116.50 vs. price of ₹164.70 (41.4% above fair value)
Industry Position: 41.8% above the Banks median (#445 of 1528)
No single metric tells the full story. See the NSE:J&KBANK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Jammu & Kashmir Bank Ltd is a bank that has businesses comprised of treasury, corporate/wholesale banking, retail banking and others. The bank's personal financial products include various loan products, personal account services, term bank deposits, mutual funds, bank cards, and insurance products. The company has Four crucial business segments namely Treasury Operations, Corporate/Wholesale Banking, Retail Banking and Other Banking Business. The company generates majority of its revenue from Retail Banking segment. The bank's financial products for businesses include loans, business accounts, agriculture accounts, and others.
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