Unicaja BancoUNJCF 56 Pretax Margin % is 44.17% as of Mar. 2026, which is 136% above its 10-year median of 18.69. GuruFocus rates UNJCF with a GF Score™ of 56/100 and a GF Value™ of $1.37. The stock has 6 warning signs investors should review. Among 1,527 Banks companies, Unicaja Banco ranks better than 72.5% on this metric.
Pre-Tax margin is calculated as Pre-Tax Income divided by its Revenue. Unicaja Banco's Pre-Tax Income for the
three
months ended in Mar. 2026 was $268 Mil. Unicaja Banco's Revenue for the
three
months ended in Mar. 2026 was $607 Mil. Therefore, Unicaja Banco's pretax margin for the quarter that ended in Mar. 2026 was 44.17%.
The historical rank and industry rank for Unicaja Banco's Pretax Margin % or its related term are showing as below:
UNJCF'
s Pretax Margin % Range Over the Past 10 Years
Min: 9.59 Med: 18.69 Max: 81.87
Current: 44.18
UNJCF's Pretax Margin % is ranked better than 72.5% of 1527
companies
in the Banks industry
Industry Median: 34.88
vs UNJCF: 44.18
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.
Unicaja Banco Pretax Margin % Related Terms
Unicaja Banco Pretax Margin % Historical Data
* Premium members only.
The historical data trend for Unicaja Banco'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.
For the Banks - Regional subindustry, Unicaja Banco'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.
Unicaja Banco Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Unicaja Banco's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Unicaja Banco'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.
Unicaja Banco (UNJCF) has a Pretax Margin % of 44.17% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Unicaja Banco and its competitors. This is 136% above median its historical median of 18.69. Over the past decade, Unicaja Banco's Pretax Margin % has ranged from 9.59 to 81.87. According to the industry distribution chart, Unicaja Banco ranks #420 out of 1527 companies in the Banks industry, placing it in the top 27.5%.
Is Unicaja Banco's Pretax Margin % too high?
Unicaja Banco's current Pretax Margin % of 44.17% is 136% above median its 10-year median of 18.69. Over the past 10 years, this metric has ranged from a low of 9.59 to a high of 81.87. The Banks industry median Pretax Margin % is 34.88. Unicaja Banco's value of 44.17% is 26.6% above this industry median. Based on the distribution chart, Unicaja Banco ranks #420 out of 1527 companies in the Banks industry, which is above the industry midpoint. Overall, Unicaja Banco has a GF Score™ of 56/100, reflecting its overall financial health beyond just this single metric.
How does Unicaja Banco's Pretax Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Unicaja Banco ranks #420 out of 1527 companies for Pretax Margin %. This puts Unicaja Banco in the upper half of its industry. The industry median Pretax Margin % is 34.88. Unicaja Banco's value of 44.17% is 26.6% above this benchmark. Historically, Unicaja Banco's own Pretax Margin % has ranged from 9.59 to 81.87 over the past decade. While the company's 10-year median is 18.69 vs. the industry median of 34.88, Unicaja Banco 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. Unicaja Banco's current Pretax Margin % of 44.17% is 26.6% 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 Unicaja Banco 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. Unicaja Banco's current Pretax Margin % is 44.17%, which is 136% above median its own 10-year median of 18.69. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Unicaja Banco stock overvalued right now?
Unicaja Banco (UNJCF) has a current Pretax Margin % of 44.17%. The stock's GF Value™ is $1.37, compared to a current price of $3.05 — trading 122.6% above its estimated fair value. The current Pretax Margin % is 44.17%, which is 136% above median its 10-year median of 18.69 and 26.6% above the Banks industry median of 34.88. Unicaja Banco's overall GF Score™ is 56/100 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 Unicaja Banco (UNJCF), the current Pretax Margin % is 44.17% 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 Unicaja Banco (UNJCF) Overvalued in 2026?
Based on GuruFocus' analysis, Unicaja Banco stock appears to be overvalued.
The current stock price of $3.05 is trading 122.6% above its estimated GF Value™ of $1.37.
Key valuation signals for UNJCF:
Pretax Margin %: 44.17% (136% above median its 10-year median of 18.69)
GF Value™: $1.37 vs. price of $3.05 (122.6% above fair value)
Industry Position: 26.6% above the Banks median (#420 of 1527)
No single metric tells the full story. See the UNJCF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Unicaja Banco SA is a credit institution; its main activity is retail banking. The group's object includes the provision of investment services and other auxiliary services, as well as the performance of insurance agent activities, as an exclusive or related operator, without the simultaneous exercise of both. Its segments are Credit institutions and insurance companies; these are the activities of the Bank and other Group companies engaged in financial services, as well as other ancillary activities carried out by the Group and of immaterial amounts, and central or general services that have not been allocated to any segment, and Other entities, which include the activities carried out by the other Group companies not included in the previous section. The Group operates in Spain.
56GF Score
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