Punjab & Sind BankNSE:PSB -0.45%48 Pretax Margin % is 43.89% as of Mar. 2026, which is 171% above its 10-year median of 16.17. GuruFocus rates NSE:PSB with a GF Score™ of 48/100 and a GF Value™ of ₹54.37 (Possible Value Trap). The stock has 3 warning signs investors should review. Among 1,528 Banks companies, Punjab & Sind Bank ranks worse than 58.44% on this metric.
The historical rank and industry rank for Punjab & Sind Bank's Pretax Margin % or its related term are showing as below:
NSE:PSB'
s Pretax Margin % Range Over the Past 10 Years
Min: -111.13 Med: 16.17 Max: 41.68
Current: 31.64
NSE:PSB's Pretax Margin % is ranked worse than 58.44% of 1528
companies
in the Banks industry
Industry Median: 34.715
vs NSE:PSB: 31.64
Punjab & Sind Bank (NSE:PSB) 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.
Punjab & Sind Bank Pretax Margin % Related Terms
Punjab & Sind Bank Pretax Margin % Historical Data
* Premium members only.
The historical data trend for Punjab & Sind 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.
Punjab & Sind Bank Pretax Margin % Competitor Comparison
For the Banks - Regional subindustry, Punjab & Sind 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.
Punjab & Sind Bank Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Punjab & Sind Bank's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Punjab & Sind 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.
Punjab & Sind Bank (NSE:PSB) has a Pretax Margin % of 43.89% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Punjab & Sind Bank and its competitors. This is 171% above median its historical median of 16.17. According to the industry distribution chart, Punjab & Sind Bank ranks #893 out of 1528 companies in the Banks industry, placing it in the top 58.4%.
Is Punjab & Sind Bank's Pretax Margin % too high?
Punjab & Sind Bank's current Pretax Margin % of 43.89% is 171% above median its 10-year median of 16.17. The Banks industry median Pretax Margin % is 34.72. Punjab & Sind Bank's value of 43.89% is 26.4% above this industry median. Based on the distribution chart, Punjab & Sind Bank ranks #893 out of 1528 companies in the Banks industry, which is below the industry midpoint. Overall, Punjab & Sind Bank has a GF Score™ of 48/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Punjab & Sind Bank's Pretax Margin % compare to competitors?
According to the Banks industry distribution chart, Punjab & Sind Bank ranks #893 out of 1528 companies for Pretax Margin %. This places Punjab & Sind Bank in the lower half of its industry. The industry median Pretax Margin % is 34.72. Punjab & Sind Bank's value of 43.89% is 26.4% above this benchmark. While the company's 10-year median is 16.17 vs. the industry median of 34.72, Punjab & Sind 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. Punjab & Sind Bank's current Pretax Margin % of 43.89% is 26.4% 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 Punjab & Sind 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. Punjab & Sind Bank's current Pretax Margin % is 43.89%, which is 171% above median its own 10-year median of 16.17. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Punjab & Sind Bank stock overvalued right now?
Based on GuruFocus' analysis, Punjab & Sind Bank (NSE:PSB) is currently considered Possible Value Trap. The stock's GF Value™ is ₹54.37, compared to a current price of ₹24.24 — trading 55.4% below its estimated fair value. The current Pretax Margin % is 43.89%, which is 171% above median its 10-year median of 16.17 and 26.4% above the Banks industry median of 34.72. Punjab & Sind Bank's overall GF Score™ is 48/100 with 3 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 Punjab & Sind Bank (NSE:PSB), the current Pretax Margin % is 43.89% 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 Punjab & Sind Bank (NSE:PSB) Overvalued in 2026?
Based on GuruFocus' analysis, Punjab & Sind Bank stock appears to be undervalued.
The current stock price of ₹24.24 is trading 55.4% below its estimated GF Value™ of ₹54.37.
GuruFocus considers Punjab & Sind Bank to be Possible Value Trap.
Key valuation signals for NSE:PSB:
Pretax Margin %: 43.89% (171% above median its 10-year median of 16.17)
GF Value™: ₹54.37 vs. price of ₹24.24 (55.4% below fair value)
Industry Position: 26.4% above the Banks median (#893 of 1528)
No single metric tells the full story. See the NSE:PSB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Punjab & Sind Bank is an Indian banking firm, which provides international and domestic banking products and services. Its business segments include Treasury, Corporate/ Wholesale Banking, Retail Banking, and Other Banking Operations. The majority of its revenue is generated from the Retail Banking segment. Its products consist of current accounts, savings accounts, mobile banking, corporate, Internet banking, retail loans, and others.
48GF Score
Get the complete analysis for NSE:PSB
Pretax Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
NSE:PSB has been successfully added to your 
