Rizal Commercial BankingPHS:RCB -0.42%81 Pretax Margin % is 19.90% as of Mar. 2026, which is 11% below its 10-year median of 22.35. GuruFocus rates PHS:RCB with a GF Score™ of 81/100 and a GF Value™ of ₱29.69 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 1,528 Banks companies, Rizal Commercial Banking ranks worse than 79.91% 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.
Rizal Commercial Banking Pretax Margin % Related Terms
Rizal Commercial Banking 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.
For the Banks - Regional subindustry, Rizal Commercial Banking'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.
Rizal Commercial Banking Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Rizal Commercial Banking's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Rizal Commercial Banking'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.
Rizal Commercial Banking (PHS:RCB) has a Pretax Margin % of 19.90% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Rizal Commercial Banking and its competitors. This is 11% below median its historical median of 22.35. Over the past decade, Rizal Commercial Banking's Pretax Margin % has ranged from 17.12 to 33.62. According to the industry distribution chart, Rizal Commercial Banking ranks #1221 out of 1528 companies in the Banks industry, placing it in the top 79.9%.
Is Rizal Commercial Banking's Pretax Margin % too high?
Rizal Commercial Banking's current Pretax Margin % of 19.90% is 11% below median its 10-year median of 22.35. Over the past 10 years, this metric has ranged from a low of 17.12 to a high of 33.62. The Banks industry median Pretax Margin % is 34.72. Rizal Commercial Banking's value of 19.90% is 42.7% below this industry median. Based on the distribution chart, Rizal Commercial Banking ranks #1221 out of 1528 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Rizal Commercial Banking has a GF Score™ of 81/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Rizal Commercial Banking's Pretax Margin % compare to competitors?
According to the Banks industry distribution chart, Rizal Commercial Banking ranks #1221 out of 1528 companies for Pretax Margin %. This places Rizal Commercial Banking in the lower half of its industry. The industry median Pretax Margin % is 34.72. Rizal Commercial Banking's value of 19.90% is 42.7% below this benchmark. Historically, Rizal Commercial Banking's own Pretax Margin % has ranged from 17.12 to 33.62 over the past decade. While the company's 10-year median is 22.35 vs. the industry median of 34.72, Rizal Commercial Banking 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 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. Rizal Commercial Banking's current Pretax Margin % of 19.90% is 42.7% 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 Rizal Commercial Banking 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. Rizal Commercial Banking's current Pretax Margin % is 19.90%, which is 11% below median its own 10-year median of 22.35. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Rizal Commercial Banking stock overvalued right now?
Based on GuruFocus' analysis, Rizal Commercial Banking (PHS:RCB) is currently considered Modestly Undervalued. The stock's GF Value™ is ₱29.69, compared to a current price of ₱23.50 — trading 20.8% below its estimated fair value. The current Pretax Margin % is 19.90%, which is 11% below median its 10-year median of 22.35 and 42.7% below the Banks industry median of 34.72. Rizal Commercial Banking's overall GF Score™ is 81/100 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 Rizal Commercial Banking (PHS:RCB), the current Pretax Margin % is 19.90% 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 Rizal Commercial Banking (PHS:RCB) Overvalued in 2026?
Based on GuruFocus' analysis, Rizal Commercial Banking stock appears to be undervalued.
The current stock price of ₱23.50 is trading 20.8% below its estimated GF Value™ of ₱29.69.
GuruFocus considers Rizal Commercial Banking to be Modestly Undervalued.
Key valuation signals for PHS:RCB:
Pretax Margin %: 19.90% (11% below median its 10-year median of 22.35)
GF Value™: ₱29.69 vs. price of ₱23.50 (20.8% below fair value)
Industry Position: 42.7% below the Banks median (#1221 of 1528)
No single metric tells the full story. See the PHS:RCB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Rizal Commercial Banking Corporation is a bank. The company provides banking and financial products and services to its customers in the Philippines but also in Asia, Europe, and the United States. The bank operates in the below segments: Retail, Corporate, Small and Medium enterprises, Treasury, and Others. Of these segments, the contributor to revenue is the retail banking function, followed by corporate banking. Services provided to clients include checking and savings accounts, deposits, credit cards, consumer and commercial loans, money market and trading services, investment banking, foreign exchange, wealth management, economic and investment research, syndicated loans, and wholesale lending.
81GF Score
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