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Amlak International Finance CoSAU:1182 +0.71%50 Pretax Margin % is 21.04% as of Mar. 2026, which is 57% below its 10-year median of 49.47. GuruFocus rates SAU:1182 with a GF Score™ of 50/100 and a GF Value™ of ﷼20.14 (Significantly Undervalued). The stock has 1 warning sign investors should review. Among 1,530 Banks companies, Amlak International Finance Co ranks worse than 74.05% on this metric.
The historical rank and industry rank for Amlak International Finance Co's Pretax Margin % or its related term are showing as below:
SAU:1182'
s Pretax Margin % Range Over the Past 10 Years
Min: 21.54 Med: 49.47 Max: 54.69
Current: 24.42
SAU:1182's Pretax Margin % is ranked worse than 74.05% of 1530
companies
in the Banks industry
Industry Median: 34.655
vs SAU:1182: 24.42
Amlak International Finance Co (SAU:1182) 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.
Amlak International Finance Co Pretax Margin % Related Terms
Amlak International Finance Co 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.
Amlak International Finance Co Pretax Margin % Chart
SAU:1182 vs RKT, FNMA, PFSI: Pretax Margin % Comparison
For the Mortgage Finance subindustry, Amlak International Finance Co'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.
Amlak International Finance Co Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Amlak International Finance Co's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Amlak International Finance Co'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.
Amlak International Finance Co (SAU:1182) has a Pretax Margin % of 21.04% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Amlak International Finance Co and its competitors. This is 57% below median its historical median of 49.47. Over the past decade, Amlak International Finance Co's Pretax Margin % has ranged from 21.54 to 54.69. According to the industry distribution chart, Amlak International Finance Co ranks #1133 out of 1530 companies in the Banks industry, placing it in the top 74.1%.
Is Amlak International Finance Co's Pretax Margin % too high?
Amlak International Finance Co's current Pretax Margin % of 21.04% is 57% below median its 10-year median of 49.47. Over the past 10 years, this metric has ranged from a low of 21.54 to a high of 54.69. The Banks industry median Pretax Margin % is 34.66. Amlak International Finance Co's value of 21.04% is 39.3% below this industry median. Based on the distribution chart, Amlak International Finance Co ranks #1133 out of 1530 companies in the Banks industry, which is below the industry midpoint. Overall, Amlak International Finance Co has a GF Score™ of 50/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Amlak International Finance Co's Pretax Margin % compare to RKT and FNMA?
According to the Banks industry distribution chart, Amlak International Finance Co ranks #1133 out of 1530 companies for Pretax Margin %. This places Amlak International Finance Co in the lower half of its industry. The industry median Pretax Margin % is 34.66. Amlak International Finance Co's value of 21.04% is 39.3% below this benchmark. Historically, Amlak International Finance Co's own Pretax Margin % has ranged from 21.54 to 54.69 over the past decade. While the company's 10-year median is 49.47 vs. the industry median of 34.66, Amlak International Finance Co 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 34.66, 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. Amlak International Finance Co's current Pretax Margin % of 21.04% is 39.3% 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 Amlak International Finance Co and its competitors. For the Banks industry, the median Pretax Margin % is 34.66 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Amlak International Finance Co's current Pretax Margin % is 21.04%, which is 57% below median its own 10-year median of 49.47. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Amlak International Finance Co stock overvalued right now?
Based on GuruFocus' analysis, Amlak International Finance Co (SAU:1182) is currently considered Significantly Undervalued. The stock's GF Value™ is ﷼20.14, compared to a current price of ﷼8.54 — trading 57.6% below its estimated fair value. The current Pretax Margin % is 21.04%, which is 57% below median its 10-year median of 49.47 and 39.3% below the Banks industry median of 34.66. Amlak International Finance Co's overall GF Score™ is 50/100 with 1 warning sign 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 Amlak International Finance Co (SAU:1182), the current Pretax Margin % is 21.04% 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 Amlak International Finance Co (SAU:1182) Overvalued in 2026?
Based on GuruFocus' analysis, Amlak International Finance Co stock appears to be undervalued.
The current stock price of ﷼8.54 is trading 57.6% below its estimated GF Value™ of ﷼20.14.
GuruFocus considers Amlak International Finance Co to be Significantly Undervalued.
Key valuation signals for SAU:1182:
Pretax Margin %: 21.04% (57% below median its 10-year median of 49.47)
GF Value™: ﷼20.14 vs. price of ﷼8.54 (57.6% below fair value)
Industry Position: 39.3% below the Banks median (#1133 of 1530)
No single metric tells the full story. See the SAU:1182 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Amlak International Finance Co Business Description
Amlak International Finance Co provide real estate financing, SMEs financing and personal financing in the Kingdom of Saudi Arabia. Its segments include Retail represent finance products granted to small and medium sized businesses under self-employed category and individuals; Corporate represents financing products granted to corporate, SMEs, high net worth individuals and institutional customers; and Head office. The majority of the revenue is derived from Retail segment.
50GF Score
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