Erste Bank PolskaWAR:EBP +0.65%79 Pretax Margin % is 45.49% as of Mar. 2026, which is 9% above its 10-year median of 41.55. GuruFocus rates WAR:EBP with a GF Score™ of 79/100 and a GF Value™ of zł518.61 (Modestly Overvalued). The stock has 9 warning signs investors should review. Among 1,526 Banks companies, Erste Bank Polska ranks better than 81.19% on this metric.
The historical rank and industry rank for Erste Bank Polska's Pretax Margin % or its related term are showing as below:
WAR:EBP'
s Pretax Margin % Range Over the Past 10 Years
Min: 21.92 Med: 41.55 Max: 51.72
Current: 48.98
WAR:EBP's Pretax Margin % is ranked better than 81.19% of 1526
companies
in the Banks industry
Industry Median: 34.885
vs WAR:EBP: 48.98
Erste Bank Polska (WAR:EBP) 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.
Erste Bank Polska Pretax Margin % Related Terms
Erste Bank Polska Pretax Margin % Historical Data
* Premium members only.
The historical data trend for Erste Bank Polska'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, Erste Bank Polska'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.
Erste Bank Polska Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Erste Bank Polska's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Erste Bank Polska'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.
Erste Bank Polska (WAR:EBP) has a Pretax Margin % of 45.49% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Erste Bank Polska and its competitors. This is near median its historical median of 41.55. Over the past decade, Erste Bank Polska's Pretax Margin % has ranged from 21.92 to 51.72. According to the industry distribution chart, Erste Bank Polska ranks #287 out of 1526 companies in the Banks industry, placing it in the top 18.8%.
Is Erste Bank Polska's Pretax Margin % too high?
Erste Bank Polska's current Pretax Margin % of 45.49% is near median its 10-year median of 41.55. Over the past 10 years, this metric has ranged from a low of 21.92 to a high of 51.72. The Banks industry median Pretax Margin % is 34.89. Erste Bank Polska's value of 45.49% is 30.4% above this industry median. Based on the distribution chart, Erste Bank Polska ranks #287 out of 1526 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Erste Bank Polska has a GF Score™ of 79/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Erste Bank Polska's Pretax Margin % compare to PNC?
According to the Banks industry distribution chart, Erste Bank Polska ranks #287 out of 1526 companies for Pretax Margin %. This places Erste Bank Polska in the top 19% of its industry — outperforming the majority of peers. The industry median Pretax Margin % is 34.89. Erste Bank Polska's value of 45.49% is 30.4% above this benchmark. Historically, Erste Bank Polska's own Pretax Margin % has ranged from 21.92 to 51.72 over the past decade. While the company's 10-year median is 41.55 vs. the industry median of 34.89, Erste Bank Polska 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 34.89, 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. Erste Bank Polska's current Pretax Margin % of 45.49% is 30.4% 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 Erste Bank Polska and its competitors. For the Banks industry, the median Pretax Margin % is 34.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Erste Bank Polska's current Pretax Margin % is 45.49%, which is near median its own 10-year median of 41.55. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Erste Bank Polska stock overvalued right now?
Based on GuruFocus' analysis, Erste Bank Polska (WAR:EBP) is currently considered Modestly Overvalued. The stock's GF Value™ is zł518.61, compared to a current price of zł646.40 — trading 24.6% above its estimated fair value. The current Pretax Margin % is 45.49%, which is near median its 10-year median of 41.55 and 30.4% above the Banks industry median of 34.89. Erste Bank Polska's overall GF Score™ is 79/100 with 9 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 Erste Bank Polska (WAR:EBP), the current Pretax Margin % is 45.49% 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 Erste Bank Polska (WAR:EBP) Overvalued in 2026?
Based on GuruFocus' analysis, Erste Bank Polska stock appears to be overvalued.
The current stock price of zł646.40 is trading 24.6% above its estimated GF Value™ of zł518.61.
GuruFocus considers Erste Bank Polska to be Modestly Overvalued.
Key valuation signals for WAR:EBP:
Pretax Margin %: 45.49% (near median its 10-year median of 41.55)
GF Value™: zł518.61 vs. price of zł646.40 (24.6% above fair value)
Industry Position: 30.4% above the Banks median (#287 of 1526)
No single metric tells the full story. See the WAR:EBP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Erste Bank Polska SA is a commercial bank. It provides financial products and services such as Personal accounts, Payment cards, Loans, Savings and investments, and products for overseas customers.
79GF Score
Get the complete analysis for WAR:EBP
Pretax Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
WAR:EBP has been successfully added to your 
