The historical rank and industry rank for Asia Commercial Joint Stock Bank's Pretax Margin % or its related term are showing as below:
STC:ACB'
s Pretax Margin % Range Over the Past 10 Years
Min: 19.4 Med: 52.52 Max: 63.81
Current: 56.43
STC:ACB's Pretax Margin % is ranked better than 89.06% of 1527
companies
in the Banks industry
Industry Median: 34.88
vs STC:ACB: 56.43
Asia Commercial Joint Stock Bank (STC:ACB) 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.
Asia Commercial Joint Stock Bank Pretax Margin % Related Terms
Asia Commercial Joint Stock Bank 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.
Asia Commercial Joint Stock Bank Pretax Margin % Chart
Asia Commercial Joint Stock Bank Pretax Margin % Competitor Comparison
For the Banks - Regional subindustry, Asia Commercial Joint Stock Bank'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.
Asia Commercial Joint Stock Bank Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Asia Commercial Joint Stock Bank's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Asia Commercial Joint Stock Bank'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.
Asia Commercial Joint Stock Bank (STC:ACB) has a Pretax Margin % of 59.62% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Asia Commercial Joint Stock Bank and its competitors. This is 14% above median its historical median of 52.52. Over the past decade, Asia Commercial Joint Stock Bank's Pretax Margin % has ranged from 19.40 to 63.81. According to the industry distribution chart, Asia Commercial Joint Stock Bank ranks #167 out of 1527 companies in the Banks industry, placing it in the top 10.9%.
Is Asia Commercial Joint Stock Bank's Pretax Margin % too high?
Asia Commercial Joint Stock Bank's current Pretax Margin % of 59.62% is 14% above median its 10-year median of 52.52. Over the past 10 years, this metric has ranged from a low of 19.40 to a high of 63.81. The Banks industry median Pretax Margin % is 34.88. Asia Commercial Joint Stock Bank's value of 59.62% is 70.9% above this industry median. Based on the distribution chart, Asia Commercial Joint Stock Bank ranks #167 out of 1527 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Asia Commercial Joint Stock Bank has a GF Score™ of 73/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Asia Commercial Joint Stock Bank's Pretax Margin % compare to competitors?
According to the Banks industry distribution chart, Asia Commercial Joint Stock Bank ranks #167 out of 1527 companies for Pretax Margin %. This places Asia Commercial Joint Stock Bank in the top 11% of its industry — outperforming the majority of peers. The industry median Pretax Margin % is 34.88. Asia Commercial Joint Stock Bank's value of 59.62% is 70.9% above this benchmark. Historically, Asia Commercial Joint Stock Bank's own Pretax Margin % has ranged from 19.40 to 63.81 over the past decade. While the company's 10-year median is 52.52 vs. the industry median of 34.88, Asia Commercial Joint Stock Bank 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 34.88, based on 1,527 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. Asia Commercial Joint Stock Bank's current Pretax Margin % of 59.62% is 70.9% 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 Asia Commercial Joint Stock Bank and its competitors. For the Banks industry, the median Pretax Margin % is 34.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Asia Commercial Joint Stock Bank's current Pretax Margin % is 59.62%, which is 14% above median its own 10-year median of 52.52. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Asia Commercial Joint Stock Bank stock overvalued right now?
Based on GuruFocus' analysis, Asia Commercial Joint Stock Bank (STC:ACB) is currently considered Fairly Valued. The stock's GF Value™ is ₫21,058.80, compared to a current price of ₫22,600.00 — trading 7.3% above its estimated fair value. The current Pretax Margin % is 59.62%, which is 14% above median its 10-year median of 52.52 and 70.9% above the Banks industry median of 34.88. Asia Commercial Joint Stock Bank's overall GF Score™ is 73/100 with 5 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 Asia Commercial Joint Stock Bank (STC:ACB), the current Pretax Margin % is 59.62% 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 Asia Commercial Joint Stock Bank (STC:ACB) Overvalued in 2026?
Based on GuruFocus' analysis, Asia Commercial Joint Stock Bank stock appears to be overvalued.
The current stock price of ₫22,600.00 is trading 7.3% above its estimated GF Value™ of ₫21,058.80.
GuruFocus considers Asia Commercial Joint Stock Bank to be Fairly Valued.
Key valuation signals for STC:ACB:
Pretax Margin %: 59.62% (14% above median its 10-year median of 52.52)
GF Value™: ₫21,058.80 vs. price of ₫22,600.00 (7.3% above fair value)
Industry Position: 70.9% above the Banks median (#167 of 1527)
No single metric tells the full story. See the STC:ACB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Asia Commercial Joint Stock Bank Business Description
Asia Commercial Joint Stock Bank and its subsidiaries (the Group) mobilise short, medium, and long-term funds, receive entrusted investment funds, borrow from financial institutions, grant loans, discount commercial papers and bonds, provide settlement services, trade foreign currencies and gold, offer trade finance, and perform approved overseas services. The Group also conducts debt factoring, bond trading, fiduciary activities, commodity derivatives, insurance agency, securities depository and clearing, finance leasing, securities trading and consultancy, corporate finance services, investment fund and asset management. Its segments are Banking, Securities trading, Asset management, Finance Leasing, and Fund Management, operating in the northern, central, and southern regions.
73GF Score
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Pretax Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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