Banco Pichincha CAQUI:PCD 98 Pretax Margin % is 14.69% as of Dec. 2025, which is 34% above its 10-year median of 10.97. GuruFocus rates QUI:PCD with a GF Score™ of 98/100 and a GF Value™ of $102.32 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 1,530 Banks companies, Banco Pichincha CA ranks worse than 86.73% on this metric.
The historical rank and industry rank for Banco Pichincha CA's Pretax Margin % or its related term are showing as below:
QUI:PCD'
s Pretax Margin % Range Over the Past 10 Years
Min: 5.87 Med: 10.97 Max: 16.12
Current: 14.69
QUI:PCD's Pretax Margin % is ranked worse than 86.73% of 1530
companies
in the Banks industry
Industry Median: 34.715
vs QUI:PCD: 14.69
Banco Pichincha CA (QUI:PCD) 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.
Banco Pichincha CA Pretax Margin % Related Terms
Banco Pichincha CA Pretax Margin % Historical Data
* Premium members only.
The historical data trend for Banco Pichincha CA'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, Banco Pichincha CA'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.
Banco Pichincha CA Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Banco Pichincha CA's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Banco Pichincha CA'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.
Banco Pichincha CA (QUI:PCD) has a Pretax Margin % of 14.69% as of Dec. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Banco Pichincha CA and its competitors. This is 34% above median its historical median of 10.97. Over the past decade, Banco Pichincha CA's Pretax Margin % has ranged from 5.87 to 16.12. According to the industry distribution chart, Banco Pichincha CA ranks #1327 out of 1530 companies in the Banks industry, placing it in the top 86.7%.
Is Banco Pichincha CA's Pretax Margin % too high?
Banco Pichincha CA's current Pretax Margin % of 14.69% is 34% above median its 10-year median of 10.97. Over the past 10 years, this metric has ranged from a low of 5.87 to a high of 16.12. The Banks industry median Pretax Margin % is 34.72. Banco Pichincha CA's value of 14.69% is 57.7% below this industry median. Based on the distribution chart, Banco Pichincha CA ranks #1327 out of 1530 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Banco Pichincha CA has a GF Score™ of 98/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Banco Pichincha CA's Pretax Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Banco Pichincha CA ranks #1327 out of 1530 companies for Pretax Margin %. This places Banco Pichincha CA in the lower half of its industry. The industry median Pretax Margin % is 34.72. Banco Pichincha CA's value of 14.69% is 57.7% below this benchmark. Historically, Banco Pichincha CA's own Pretax Margin % has ranged from 5.87 to 16.12 over the past decade. While the company's 10-year median is 10.97 vs. the industry median of 34.72, Banco Pichincha CA 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 1,530 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. Banco Pichincha CA's current Pretax Margin % of 14.69% is 57.7% 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 Banco Pichincha CA 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. Banco Pichincha CA's current Pretax Margin % is 14.69%, which is 34% above median its own 10-year median of 10.97. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Banco Pichincha CA stock overvalued right now?
Based on GuruFocus' analysis, Banco Pichincha CA (QUI:PCD) is currently considered Modestly Overvalued. The stock's GF Value™ is $102.32, compared to a current price of $132.00 — trading 29% above its estimated fair value. The current Pretax Margin % is 14.69%, which is 34% above median its 10-year median of 10.97 and 57.7% below the Banks industry median of 34.72. Banco Pichincha CA's overall GF Score™ is 98/100 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 Banco Pichincha CA (QUI:PCD), the current Pretax Margin % is 14.69% as of Dec. 2025. 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 Banco Pichincha CA (QUI:PCD) Overvalued in 2026?
Based on GuruFocus' analysis, Banco Pichincha CA stock appears to be overvalued.
The current stock price of $132.00 is trading 29% above its estimated GF Value™ of $102.32.
GuruFocus considers Banco Pichincha CA to be Modestly Overvalued.
Key valuation signals for QUI:PCD:
Pretax Margin %: 14.69% (34% above median its 10-year median of 10.97)
GF Value™: $102.32 vs. price of $132.00 (29% above fair value)
Industry Position: 57.7% below the Banks median (#1327 of 1530)
No single metric tells the full story. See the QUI:PCD stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Banco Pichincha CA provides banking services in Ecuador. The products and services of the bank include electronic banking, savings account, current account, debit cards, credit cards, and other related services.
98GF Score
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