Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Allianz-Slovenska Poistovna AS (XBRA:1SLP401E) 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.
Allianz-Slovenska Poistovna AS Pretax Margin % Related Terms
Allianz-Slovenska Poistovna AS 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.
Allianz-Slovenska Poistovna AS Pretax Margin % Chart
XBRA:1SLP401E vs BRK.A, AIG, HIG: Pretax Margin % Comparison
For the Insurance - Diversified subindustry, Allianz-Slovenska Poistovna AS'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.
Allianz-Slovenska Poistovna AS Pretax Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Allianz-Slovenska Poistovna AS's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Allianz-Slovenska Poistovna AS'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.
Allianz-Slovenska Poistovna AS (XBRA:1SLP401E) has a Pretax Margin % of 27.67% as of Dec. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Allianz-Slovenska Poistovna AS and its competitors. This is 34% above median its historical median of 20.69. Over the past decade, Allianz-Slovenska Poistovna AS's Pretax Margin % has ranged from 15.85 to 35.66. According to the industry distribution chart, Allianz-Slovenska Poistovna AS ranks #78 out of 498 companies in the Insurance industry, placing it in the top 15.7%.
Is Allianz-Slovenska Poistovna AS's Pretax Margin % too high?
Allianz-Slovenska Poistovna AS's current Pretax Margin % of 27.67% is 34% above median its 10-year median of 20.69. Over the past 10 years, this metric has ranged from a low of 15.85 to a high of 35.66. The Insurance industry median Pretax Margin % is 12.30. Allianz-Slovenska Poistovna AS's value of 27.67% is 125% above this industry median. Based on the distribution chart, Allianz-Slovenska Poistovna AS ranks #78 out of 498 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Allianz-Slovenska Poistovna AS has a GF Score™ of 39/100, reflecting its overall financial health beyond just this single metric.
How does Allianz-Slovenska Poistovna AS's Pretax Margin % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Allianz-Slovenska Poistovna AS ranks #78 out of 498 companies for Pretax Margin %. This places Allianz-Slovenska Poistovna AS in the top 16% of its industry — outperforming the majority of peers. The industry median Pretax Margin % is 12.30. Allianz-Slovenska Poistovna AS's value of 27.67% is 125% above this benchmark. Historically, Allianz-Slovenska Poistovna AS's own Pretax Margin % has ranged from 15.85 to 35.66 over the past decade. While the company's 10-year median is 20.69 vs. the industry median of 12.30, Allianz-Slovenska Poistovna AS 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 an Insurance company?
The median Pretax Margin % among Insurance companies is 12.30, based on 498 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. Allianz-Slovenska Poistovna AS's current Pretax Margin % of 27.67% is 125% 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 Allianz-Slovenska Poistovna AS and its competitors. For the Insurance industry, the median Pretax Margin % is 12.30 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Allianz-Slovenska Poistovna AS's current Pretax Margin % is 27.67%, which is 34% above median its own 10-year median of 20.69. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Allianz-Slovenska Poistovna AS stock overvalued right now?
Allianz-Slovenska Poistovna AS (XBRA:1SLP401E) has a current Pretax Margin % of 27.67%. The stock's GF Value™ is €317.59, compared to a current price of €330.00 — trading 3.9% above its estimated fair value. The current Pretax Margin % is 27.67%, which is 34% above median its 10-year median of 20.69 and 125% above the Insurance industry median of 12.30. Allianz-Slovenska Poistovna AS's overall GF Score™ is 39/100 with 2 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 Allianz-Slovenska Poistovna AS (XBRA:1SLP401E), the current Pretax Margin % is 27.67% as of Dec. 2025. 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 Allianz-Slovenska Poistovna AS (XBRA:1SLP401E) Overvalued in 2026?
Based on GuruFocus' analysis, Allianz-Slovenska Poistovna AS stock appears to be overvalued.
The current stock price of €330.00 is trading 3.9% above its estimated GF Value™ of €317.59.
Key valuation signals for XBRA:1SLP401E:
Pretax Margin %: 27.67% (34% above median its 10-year median of 20.69)
GF Value™: €317.59 vs. price of €330.00 (3.9% above fair value)
Industry Position: 125% above the Insurance median (#78 of 498)
No single metric tells the full story. See the XBRA:1SLP401E stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Allianz-Slovenska Poistovna AS is an insurance company. It offers insurance products ranging from life and accident insurance, insurance through private property and motor liability insurance to the insurance industry and entrepreneurs. The company serves small and medium size business and large companies.
39GF Score
Get the complete analysis for XBRA:1SLP401E
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
XBRA:1SLP401E has been successfully added to your 
