Agricultural Development BankXGHA:ADB 64 Pretax Margin % is 41.62% as of Mar. 2026, which is 541% above its 10-year median of 6.49. GuruFocus rates XGHA:ADB with a GF Score™ of 64/100 and a GF Value™ of GHS3.97 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,530 Banks companies, Agricultural Development Bank ranks better than 51.83% on this metric.
The historical rank and industry rank for Agricultural Development Bank's Pretax Margin % or its related term are showing as below:
XGHA:ADB'
s Pretax Margin % Range Over the Past 10 Years
Min: -120.36 Med: 6.49 Max: 35.54
Current: 35.54
XGHA:ADB's Pretax Margin % is ranked better than 51.83% of 1530
companies
in the Banks industry
Industry Median: 34.715
vs XGHA:ADB: 35.54
Agricultural Development Bank (XGHA:ADB) 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.
Agricultural Development Bank Pretax Margin % Related Terms
Agricultural Development Bank 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.
Agricultural Development Bank Pretax Margin % Chart
For the Banks - Regional subindustry, Agricultural Development Bank'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.
Agricultural Development Bank Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Agricultural Development Bank's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Agricultural Development Bank'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.
Agricultural Development Bank (XGHA:ADB) has a Pretax Margin % of 41.62% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Agricultural Development Bank and its competitors. This is 541% above median its historical median of 6.49. According to the industry distribution chart, Agricultural Development Bank ranks #737 out of 1530 companies in the Banks industry, placing it in the top 48.2%.
Is Agricultural Development Bank's Pretax Margin % too high?
Agricultural Development Bank's current Pretax Margin % of 41.62% is 541% above median its 10-year median of 6.49. The Banks industry median Pretax Margin % is 34.72. Agricultural Development Bank's value of 41.62% is 19.9% above this industry median. Based on the distribution chart, Agricultural Development Bank ranks #737 out of 1530 companies in the Banks industry, which is above the industry midpoint. Overall, Agricultural Development Bank has a GF Score™ of 64/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Agricultural Development Bank's Pretax Margin % compare to PNC?
According to the Banks industry distribution chart, Agricultural Development Bank ranks #737 out of 1530 companies for Pretax Margin %. This puts Agricultural Development Bank in the upper half of its industry. The industry median Pretax Margin % is 34.72. Agricultural Development Bank's value of 41.62% is 19.9% above this benchmark. While the company's 10-year median is 6.49 vs. the industry median of 34.72, Agricultural Development Bank 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 34.72, 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. Agricultural Development Bank's current Pretax Margin % of 41.62% is 19.9% 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 Agricultural Development Bank and its competitors. For the Banks industry, the median Pretax Margin % is 34.72 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Agricultural Development Bank's current Pretax Margin % is 41.62%, which is 541% above median its own 10-year median of 6.49. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Agricultural Development Bank stock overvalued right now?
Based on GuruFocus' analysis, Agricultural Development Bank (XGHA:ADB) is currently considered Significantly Overvalued. The stock's GF Value™ is GHS3.97, compared to a current price of GHS5.30 — trading 33.5% above its estimated fair value. The current Pretax Margin % is 41.62%, which is 541% above median its 10-year median of 6.49 and 19.9% above the Banks industry median of 34.72. Agricultural Development Bank's overall GF Score™ is 64/100 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 Agricultural Development Bank (XGHA:ADB), the current Pretax Margin % is 41.62% 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 Agricultural Development Bank (XGHA:ADB) Overvalued in 2026?
Based on GuruFocus' analysis, Agricultural Development Bank stock appears to be overvalued.
The current stock price of GHS5.30 is trading 33.5% above its estimated GF Value™ of GHS3.97.
GuruFocus considers Agricultural Development Bank to be Significantly Overvalued.
Key valuation signals for XGHA:ADB:
Pretax Margin %: 41.62% (541% above median its 10-year median of 6.49)
GF Value™: GHS3.97 vs. price of GHS5.30 (33.5% above fair value)
Industry Position: 19.9% above the Banks median (#737 of 1530)
No single metric tells the full story. See the XGHA:ADB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Agricultural Development Bank Business Description
Agricultural Development Bank Ltd is a universal bank offering a full range of banking products and services in Consumer, Corporate, Parastatals/Public Sector, SME, Agribusiness, Trade and E-Banking services. Its business focus is universal banking with a developmental focus on Agriculture and more. The company's operating segment includes Corporate Banking, Retail Banking, and Central Treasury. The majority of revenue is derived from the Retail Banking segment, which focuses on high-volume, standardized financial products and services such as loans and advances, deposits and other transactions with retail customers. Geographically, all revenues are generated in Ghana.
64GF Score
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