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Bank of The RyukyusLtdTSE:8399 -0.58%49 Pretax Margin % is 8.74% as of Mar. 2026, which is 44% below its 10-year median of 15.62. GuruFocus rates TSE:8399 with a GF Score™ of 49/100 and a GF Value™ of 円1,444.89 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,530 Banks companies, Bank of The RyukyusLtd ranks worse than 81.96% on this metric.
The historical rank and industry rank for Bank of The RyukyusLtd's Pretax Margin % or its related term are showing as below:
TSE:8399'
s Pretax Margin % Range Over the Past 10 Years
Min: 7.14 Med: 15.62 Max: 22.4
Current: 19.23
TSE:8399's Pretax Margin % is ranked worse than 81.96% of 1530
companies
in the Banks industry
Industry Median: 34.655
vs TSE:8399: 19.23
Bank of The RyukyusLtd (TSE:8399) 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.
Bank of The RyukyusLtd Pretax Margin % Related Terms
Bank of The RyukyusLtd Pretax Margin % Historical Data
* Premium members only.
The historical data trend for Bank of The RyukyusLtd'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.
Bank of The RyukyusLtd Pretax Margin % Competitor Comparison
For the Banks - Regional subindustry, Bank of The RyukyusLtd'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.
Bank of The RyukyusLtd Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Bank of The RyukyusLtd's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Bank of The RyukyusLtd'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.
Bank of The RyukyusLtd (TSE:8399) has a Pretax Margin % of 8.74% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Bank of The RyukyusLtd and its competitors. This is 44% below median its historical median of 15.62. Over the past decade, Bank of The RyukyusLtd's Pretax Margin % has ranged from 7.14 to 22.40. According to the industry distribution chart, Bank of The RyukyusLtd ranks #1254 out of 1530 companies in the Banks industry, placing it in the top 82%.
Is Bank of The RyukyusLtd's Pretax Margin % too high?
Bank of The RyukyusLtd's current Pretax Margin % of 8.74% is 44% below median its 10-year median of 15.62. Over the past 10 years, this metric has ranged from a low of 7.14 to a high of 22.40. The Banks industry median Pretax Margin % is 34.66. Bank of The RyukyusLtd's value of 8.74% is 74.8% below this industry median. Based on the distribution chart, Bank of The RyukyusLtd ranks #1254 out of 1530 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Bank of The RyukyusLtd has a GF Score™ of 49/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bank of The RyukyusLtd's Pretax Margin % compare to competitors?
According to the Banks industry distribution chart, Bank of The RyukyusLtd ranks #1254 out of 1530 companies for Pretax Margin %. This places Bank of The RyukyusLtd in the lower half of its industry. The industry median Pretax Margin % is 34.66. Bank of The RyukyusLtd's value of 8.74% is 74.8% below this benchmark. Historically, Bank of The RyukyusLtd's own Pretax Margin % has ranged from 7.14 to 22.40 over the past decade. While the company's 10-year median is 15.62 vs. the industry median of 34.66, Bank of The RyukyusLtd 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. Bank of The RyukyusLtd's current Pretax Margin % of 8.74% is 74.8% 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 Bank of The RyukyusLtd 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. Bank of The RyukyusLtd's current Pretax Margin % is 8.74%, which is 44% below median its own 10-year median of 15.62. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank of The RyukyusLtd stock overvalued right now?
Based on GuruFocus' analysis, Bank of The RyukyusLtd (TSE:8399) is currently considered Significantly Overvalued. The stock's GF Value™ is 円1,444.89, compared to a current price of 円2,739.00 — trading 89.6% above its estimated fair value. The current Pretax Margin % is 8.74%, which is 44% below median its 10-year median of 15.62 and 74.8% below the Banks industry median of 34.66. Bank of The RyukyusLtd's overall GF Score™ is 49/100 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 Bank of The RyukyusLtd (TSE:8399), the current Pretax Margin % is 8.74% 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 Bank of The RyukyusLtd (TSE:8399) Overvalued in 2026?
Based on GuruFocus' analysis, Bank of The RyukyusLtd stock appears to be overvalued.
The current stock price of 円2,739.00 is trading 89.6% above its estimated GF Value™ of 円1,444.89.
GuruFocus considers Bank of The RyukyusLtd to be Significantly Overvalued.
Key valuation signals for TSE:8399:
Pretax Margin %: 8.74% (44% below median its 10-year median of 15.62)
GF Value™: 円1,444.89 vs. price of 円2,739.00 (89.6% above fair value)
Industry Position: 74.8% below the Banks median (#1254 of 1530)
No single metric tells the full story. See the TSE:8399 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bank of The RyukyusLtd is a banking and financial services group operating primarily in the Okinawa Prefecture. It was founded during the post-World War II era by ordinance of the U.S. military government for purposes of restoring financial order and stabilizing the currency given the region's importance. At present, it continues its regional strategic-orientation and provides a host of financial services to consumers and small to medium-size businesses in tourism-dependent Okinawa. These include general leasing, housing loans, debt guaranty, insurance, cash inspection and dispensing, credit cards and financing, clerical services, and surveys and research.
49GF Score
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