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Xiamen Bank CoSHSE:601187 +0.28%62 Pretax Margin % is 48.06% as of Mar. 2026, which is 14% above its 10-year median of 42.29. GuruFocus rates SHSE:601187 with a GF Score™ of 62/100 and a GF Value™ of ¥5.96 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,526 Banks companies, Xiamen Bank Co ranks better than 74.77% on this metric.
Xiamen Bank Co (SHSE:601187) 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.
Xiamen Bank Co Pretax Margin % Related Terms
Xiamen Bank Co Pretax Margin % Historical Data
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The historical data trend for Xiamen Bank Co'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.
Xiamen Bank Co Pretax Margin % Competitor Comparison
For the Banks - Regional subindustry, Xiamen Bank 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.
Xiamen Bank Co Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Xiamen Bank Co's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Xiamen Bank 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.
Xiamen Bank Co (SHSE:601187) has a Pretax Margin % of 48.06% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Xiamen Bank Co and its competitors. This is 14% above median its historical median of 42.29. Over the past decade, Xiamen Bank Co's Pretax Margin % has ranged from 33.23 to 47.48. According to the industry distribution chart, Xiamen Bank Co ranks #385 out of 1526 companies in the Banks industry, placing it in the top 25.2%.
Is Xiamen Bank Co's Pretax Margin % too high?
Xiamen Bank Co's current Pretax Margin % of 48.06% is 14% above median its 10-year median of 42.29. Over the past 10 years, this metric has ranged from a low of 33.23 to a high of 47.48. The Banks industry median Pretax Margin % is 35.51. Xiamen Bank Co's value of 48.06% is 35.3% above this industry median. Based on the distribution chart, Xiamen Bank Co ranks #385 out of 1526 companies in the Banks industry, which is above the industry midpoint. Overall, Xiamen Bank Co has a GF Score™ of 62/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Xiamen Bank Co's Pretax Margin % compare to competitors?
According to the Banks industry distribution chart, Xiamen Bank Co ranks #385 out of 1526 companies for Pretax Margin %. This puts Xiamen Bank Co in the upper half of its industry. The industry median Pretax Margin % is 35.51. Xiamen Bank Co's value of 48.06% is 35.3% above this benchmark. Historically, Xiamen Bank Co's own Pretax Margin % has ranged from 33.23 to 47.48 over the past decade. While the company's 10-year median is 42.29 vs. the industry median of 35.51, Xiamen Bank Co 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 35.51, based on 1,526 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. Xiamen Bank Co's current Pretax Margin % of 48.06% is 35.3% 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 Xiamen Bank Co and its competitors. For the Banks industry, the median Pretax Margin % is 35.51 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Xiamen Bank Co's current Pretax Margin % is 48.06%, which is 14% above median its own 10-year median of 42.29. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Xiamen Bank Co stock overvalued right now?
Based on GuruFocus' analysis, Xiamen Bank Co (SHSE:601187) is currently considered Modestly Overvalued. The stock's GF Value™ is ¥5.96, compared to a current price of ¥7.27 — trading 22% above its estimated fair value. The current Pretax Margin % is 48.06%, which is 14% above median its 10-year median of 42.29 and 35.3% above the Banks industry median of 35.51. Xiamen Bank Co's overall GF Score™ is 62/100 with 6 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 Xiamen Bank Co (SHSE:601187), the current Pretax Margin % is 48.06% 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 Xiamen Bank Co (SHSE:601187) Overvalued in 2026?
Based on GuruFocus' analysis, Xiamen Bank Co stock appears to be overvalued.
The current stock price of ¥7.27 is trading 22% above its estimated GF Value™ of ¥5.96.
GuruFocus considers Xiamen Bank Co to be Modestly Overvalued.
Key valuation signals for SHSE:601187:
Pretax Margin %: 48.06% (14% above median its 10-year median of 42.29)
GF Value™: ¥5.96 vs. price of ¥7.27 (22% above fair value)
Industry Position: 35.3% above the Banks median (#385 of 1526)
No single metric tells the full story. See the SHSE:601187 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Xiamen Bank Co Ltd operates as a bank providing corporate banking, personal banking and treasury services. The banks services are to absorb public deposits; to issue short-term, medium-term and long-term loans; to handle domestic settlement; to handle bill discounting; to issue financial bonds; agency issuance, redemption, and underwriting government Bonds; buying and selling government bonds; engaging in inter-bank lending; providing guarantees and services; agency collection and payment and insurance agency business; providing safe deposit box business; handling places Entrusted loan business for the use of funds for fiscal credit turnover; among others.
62GF Score
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