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Kyoto Financial GroupTSE:5844 +0.86%60 Pretax Margin % is 42.69% as of Mar. 2026, which is 34% above its 10-year median of 31.74. GuruFocus rates TSE:5844 with a GF Score™ of 60/100 and a GF Value™ of 円5,864.47 (Modestly Undervalued). The stock has 6 warning signs investors should review. Among 1,530 Banks companies, Kyoto Financial Group ranks better than 70.59% on this metric.
The historical rank and industry rank for Kyoto Financial Group's Pretax Margin % or its related term are showing as below:
TSE:5844'
s Pretax Margin % Range Over the Past 10 Years
Min: 23.5 Med: 31.74 Max: 43.3
Current: 43.3
TSE:5844's Pretax Margin % is ranked better than 70.59% of 1530
companies
in the Banks industry
Industry Median: 34.655
vs TSE:5844: 43.30
Kyoto Financial Group (TSE:5844) 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.
Kyoto Financial Group Pretax Margin % Related Terms
Kyoto Financial Group Pretax Margin % Historical Data
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The historical data trend for Kyoto Financial Group'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.
Kyoto Financial Group Pretax Margin % Competitor Comparison
For the Banks - Regional subindustry, Kyoto Financial Group'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.
Kyoto Financial Group Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Kyoto Financial Group's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Kyoto Financial Group'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.
Kyoto Financial Group (TSE:5844) has a Pretax Margin % of 42.69% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Kyoto Financial Group and its competitors. This is 34% above median its historical median of 31.74. Over the past decade, Kyoto Financial Group's Pretax Margin % has ranged from 23.50 to 43.30. According to the industry distribution chart, Kyoto Financial Group ranks #450 out of 1530 companies in the Banks industry, placing it in the top 29.4%.
Is Kyoto Financial Group's Pretax Margin % too high?
Kyoto Financial Group's current Pretax Margin % of 42.69% is 34% above median its 10-year median of 31.74. Over the past 10 years, this metric has ranged from a low of 23.50 to a high of 43.30. The Banks industry median Pretax Margin % is 34.66. Kyoto Financial Group's value of 42.69% is 23.2% above this industry median. Based on the distribution chart, Kyoto Financial Group ranks #450 out of 1530 companies in the Banks industry, which is above the industry midpoint. Overall, Kyoto Financial Group has a GF Score™ of 60/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Kyoto Financial Group's Pretax Margin % compare to competitors?
According to the Banks industry distribution chart, Kyoto Financial Group ranks #450 out of 1530 companies for Pretax Margin %. This puts Kyoto Financial Group in the upper half of its industry. The industry median Pretax Margin % is 34.66. Kyoto Financial Group's value of 42.69% is 23.2% above this benchmark. Historically, Kyoto Financial Group's own Pretax Margin % has ranged from 23.50 to 43.30 over the past decade. While the company's 10-year median is 31.74 vs. the industry median of 34.66, Kyoto Financial Group 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 34.66, 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. Kyoto Financial Group's current Pretax Margin % of 42.69% is 23.2% 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 Kyoto Financial Group 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. Kyoto Financial Group's current Pretax Margin % is 42.69%, which is 34% above median its own 10-year median of 31.74. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Kyoto Financial Group stock overvalued right now?
Based on GuruFocus' analysis, Kyoto Financial Group (TSE:5844) is currently considered Modestly Undervalued. The stock's GF Value™ is 円5,864.47, compared to a current price of 円4,700.00 — trading 19.9% below its estimated fair value. The current Pretax Margin % is 42.69%, which is 34% above median its 10-year median of 31.74 and 23.2% above the Banks industry median of 34.66. Kyoto Financial Group's overall GF Score™ is 60/100 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 Kyoto Financial Group (TSE:5844), the current Pretax Margin % is 42.69% 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 Kyoto Financial Group (TSE:5844) Overvalued in 2026?
Based on GuruFocus' analysis, Kyoto Financial Group stock appears to be undervalued.
The current stock price of 円4,700.00 is trading 19.9% below its estimated GF Value™ of 円5,864.47.
GuruFocus considers Kyoto Financial Group to be Modestly Undervalued.
Key valuation signals for TSE:5844:
Pretax Margin %: 42.69% (34% above median its 10-year median of 31.74)
GF Value™: 円5,864.47 vs. price of 円4,700.00 (19.9% below fair value)
Industry Position: 23.2% above the Banks median (#450 of 1530)
No single metric tells the full story. See the TSE:5844 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Kyoto Financial Group Inc operates through its subsidiary Bank of Kyoto, which provides regional banking and other financial solutions. Its portfolio of offerings comprises savings accounts, investment trusts, deposits, mutual funds, credit and debit cards, and government bonds.
60GF Score
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