PKO Bank PolskiPSZKY -1.07%74 Pretax Margin % is 51.02% as of Mar. 2026, which is 40% above its 10-year median of 36.45. GuruFocus rates PSZKY with a GF Score™ of 74/100 and a GF Value™ of $19.09 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,530 Banks companies, PKO Bank Polski ranks better than 76.8% on this metric.
The historical rank and industry rank for PKO Bank Polski's Pretax Margin % or its related term are showing as below:
PSZKY'
s Pretax Margin % Range Over the Past 10 Years
Min: -11.63 Med: 36.45 Max: 46.3
Current: 46.3
PSZKY's Pretax Margin % is ranked better than 76.8% of 1530
companies
in the Banks industry
Industry Median: 34.715
vs PSZKY: 46.30
PKO Bank Polski (OTCPK:PSZKY) 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.
PKO Bank Polski Pretax Margin % Related Terms
PKO Bank Polski Pretax Margin % Historical Data
* Premium members only.
The historical data trend for PKO Bank Polski'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, PKO Bank Polski'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.
PKO Bank Polski Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, PKO Bank Polski's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where PKO Bank Polski'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.
PKO Bank Polski (PSZKY) has a Pretax Margin % of 51.02% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on PKO Bank Polski and its competitors. This is 40% above median its historical median of 36.45. According to the industry distribution chart, PKO Bank Polski ranks #355 out of 1530 companies in the Banks industry, placing it in the top 23.2%.
Is PKO Bank Polski's Pretax Margin % too high?
PKO Bank Polski's current Pretax Margin % of 51.02% is 40% above median its 10-year median of 36.45. The Banks industry median Pretax Margin % is 34.72. PKO Bank Polski's value of 51.02% is 47% above this industry median. Based on the distribution chart, PKO Bank Polski ranks #355 out of 1530 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, PKO Bank Polski has a GF Score™ of 74/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does PKO Bank Polski's Pretax Margin % compare to PNC?
According to the Banks industry distribution chart, PKO Bank Polski ranks #355 out of 1530 companies for Pretax Margin %. This places PKO Bank Polski in the top 23% of its industry — outperforming the majority of peers. The industry median Pretax Margin % is 34.72. PKO Bank Polski's value of 51.02% is 47% above this benchmark. While the company's 10-year median is 36.45 vs. the industry median of 34.72, PKO Bank Polski 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. PKO Bank Polski's current Pretax Margin % of 51.02% is 47% 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 PKO Bank Polski 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. PKO Bank Polski's current Pretax Margin % is 51.02%, which is 40% above median its own 10-year median of 36.45. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PKO Bank Polski stock overvalued right now?
Based on GuruFocus' analysis, PKO Bank Polski (PSZKY) is currently considered Significantly Overvalued. The stock's GF Value™ is $19.09, compared to a current price of $27.05 — trading 41.7% above its estimated fair value. The current Pretax Margin % is 51.02%, which is 40% above median its 10-year median of 36.45 and 47% above the Banks industry median of 34.72. PKO Bank Polski's overall GF Score™ is 74/100 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 PKO Bank Polski (PSZKY), the current Pretax Margin % is 51.02% 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 PKO Bank Polski (PSZKY) Overvalued in 2026?
Based on GuruFocus' analysis, PKO Bank Polski stock appears to be overvalued.
The current stock price of $27.05 is trading 41.7% above its estimated GF Value™ of $19.09.
GuruFocus considers PKO Bank Polski to be Significantly Overvalued.
Key valuation signals for PSZKY:
Pretax Margin %: 51.02% (40% above median its 10-year median of 36.45)
GF Value™: $19.09 vs. price of $27.05 (41.7% above fair value)
Industry Position: 47% above the Banks median (#355 of 1530)
No single metric tells the full story. See the PSZKY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PKO Bank Polski SA is a universal banking group operating predominantly in Poland. Its various products and service offerings include retail deposits, mortgage loans, consumer finance, corporate deposits, corporate loans, and asset management, among others. The majority of its net revenue is net interest income, overwhelmingly derived from customer loans. Along with its subsidiaries, the company operates in three main segments: Retail, Corporate and Investment, and Transfer Center and Other. Maximum revenue is generated from the Retail segment, which offers various services to individuals as part of retail, private, and mortgage banking, and to legal entities as part of corporate banking.
74GF Score
Get the complete analysis for PSZKY
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
PSZKY has been successfully added to your 
