Islandsbanki hfOISE:ISB -0.85%73 Pretax Margin % is 52.74% as of Mar. 2026, which is 0% above its 10-year median of 52.67. GuruFocus rates OISE:ISB with a GF Score™ of 73/100 and a GF Value™ of kr145.35 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,530 Banks companies, Islandsbanki hf ranks better than 86.47% on this metric.
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.
Islandsbanki hf Pretax Margin % Related Terms
Islandsbanki hf Pretax Margin % Historical Data
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The historical data trend for Islandsbanki hf'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.
For the Banks - Regional subindustry, Islandsbanki hf'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.
Islandsbanki hf Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Islandsbanki hf's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Islandsbanki hf'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.
Islandsbanki hf (OISE:ISB) has a Pretax Margin % of 52.74% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Islandsbanki hf and its competitors. This is near median its historical median of 52.67. Over the past decade, Islandsbanki hf's Pretax Margin % has ranged from 21.63 to 57.64. According to the industry distribution chart, Islandsbanki hf ranks #207 out of 1530 companies in the Banks industry, placing it in the top 13.5%.
Is Islandsbanki hf's Pretax Margin % too high?
Islandsbanki hf's current Pretax Margin % of 52.74% is near median its 10-year median of 52.67. Over the past 10 years, this metric has ranged from a low of 21.63 to a high of 57.64. The Banks industry median Pretax Margin % is 34.72. Islandsbanki hf's value of 52.74% is 51.9% above this industry median. Based on the distribution chart, Islandsbanki hf ranks #207 out of 1530 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Islandsbanki hf has a GF Score™ of 73/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Islandsbanki hf's Pretax Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Islandsbanki hf ranks #207 out of 1530 companies for Pretax Margin %. This places Islandsbanki hf in the top 14% of its industry — outperforming the majority of peers. The industry median Pretax Margin % is 34.72. Islandsbanki hf's value of 52.74% is 51.9% above this benchmark. Historically, Islandsbanki hf's own Pretax Margin % has ranged from 21.63 to 57.64 over the past decade. While the company's 10-year median is 52.67 vs. the industry median of 34.72, Islandsbanki hf 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 1,530 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. Islandsbanki hf's current Pretax Margin % of 52.74% is 51.9% 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 Islandsbanki hf 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. Islandsbanki hf's current Pretax Margin % is 52.74%, which is near median its own 10-year median of 52.67. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Islandsbanki hf stock overvalued right now?
Based on GuruFocus' analysis, Islandsbanki hf (OISE:ISB) is currently considered Fairly Valued. The stock's GF Value™ is kr145.35, compared to a current price of kr140.80 — trading 3.1% below its estimated fair value. The current Pretax Margin % is 52.74%, which is near median its 10-year median of 52.67 and 51.9% above the Banks industry median of 34.72. Islandsbanki hf's overall GF Score™ is 73/100 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 Islandsbanki hf (OISE:ISB), the current Pretax Margin % is 52.74% 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 Islandsbanki hf (OISE:ISB) Overvalued in 2026?
Based on GuruFocus' analysis, Islandsbanki hf stock appears to be undervalued.
The current stock price of kr140.80 is trading 3.1% below its estimated GF Value™ of kr145.35.
GuruFocus considers Islandsbanki hf to be Fairly Valued.
Key valuation signals for OISE:ISB:
Pretax Margin %: 52.74% (near median its 10-year median of 52.67)
GF Value™: kr145.35 vs. price of kr140.80 (3.1% below fair value)
Industry Position: 51.9% above the Banks median (#207 of 1530)
No single metric tells the full story. See the OISE:ISB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Islandsbanki hf is a customer-centric universal bank. The company's segments include Personal Banking; Business Banking; Corporate and Investment Banking; Treasury and Proprietary Trading and Cost centres. It generates maximum revenue from the Business Banking segment. Business Banking provides small and medium-sized enterprises (SMEs) with comprehensive financial services, including Ergo, the Bank's asset financing service.
73GF Score
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