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Enterprise GroupXGHA:EGL +0.10%72 Pretax Margin % is 19.16% as of Dec. 2025, which is 1% above its 10-year median of 18.90. GuruFocus rates XGHA:EGL with a GF Score™ of 72/100 and a GF Value™ of GHS4.99 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 500 Insurance companies, Enterprise Group ranks better than 72.6% on this metric.
The historical rank and industry rank for Enterprise Group's Pretax Margin % or its related term are showing as below:
XGHA:EGL'
s Pretax Margin % Range Over the Past 10 Years
Min: 12.95 Med: 18.9 Max: 31.04
Current: 19.16
XGHA:EGL's Pretax Margin % is ranked better than 72.6% of 500
companies
in the Insurance industry
Industry Median: 11.875
vs XGHA:EGL: 19.16
Enterprise Group (XGHA:EGL) 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.
Enterprise Group Pretax Margin % Related Terms
Enterprise Group Pretax Margin % Historical Data
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The historical data trend for Enterprise Group'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.
XGHA:EGL vs AFL, MET, PRU: Pretax Margin % Comparison
For the Insurance - Life subindustry, Enterprise Group'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.
Enterprise Group Pretax Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Enterprise Group's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Enterprise Group'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.
Enterprise Group (XGHA:EGL) has a Pretax Margin % of 19.16% as of Dec. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Enterprise Group and its competitors. This is near median its historical median of 18.90. Over the past decade, Enterprise Group's Pretax Margin % has ranged from 12.95 to 31.04. According to the industry distribution chart, Enterprise Group ranks #137 out of 500 companies in the Insurance industry, placing it in the top 27.4%.
Is Enterprise Group's Pretax Margin % too high?
Enterprise Group's current Pretax Margin % of 19.16% is near median its 10-year median of 18.90. Over the past 10 years, this metric has ranged from a low of 12.95 to a high of 31.04. The Insurance industry median Pretax Margin % is 11.88. Enterprise Group's value of 19.16% is 61.3% above this industry median. Based on the distribution chart, Enterprise Group ranks #137 out of 500 companies in the Insurance industry, which is above the industry midpoint. Overall, Enterprise Group has a GF Score™ of 72/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Enterprise Group's Pretax Margin % compare to AFL and MET?
According to the Insurance industry distribution chart, Enterprise Group ranks #137 out of 500 companies for Pretax Margin %. This puts Enterprise Group in the upper half of its industry. The industry median Pretax Margin % is 11.88. Enterprise Group's value of 19.16% is 61.3% above this benchmark. Historically, Enterprise Group's own Pretax Margin % has ranged from 12.95 to 31.04 over the past decade. While the company's 10-year median is 18.90 vs. the industry median of 11.88, Enterprise Group 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 11.88, based on 500 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. Enterprise Group's current Pretax Margin % of 19.16% is 61.3% 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 Enterprise Group and its competitors. For the Insurance industry, the median Pretax Margin % is 11.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Enterprise Group's current Pretax Margin % is 19.16%, which is near median its own 10-year median of 18.90. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Enterprise Group stock overvalued right now?
Based on GuruFocus' analysis, Enterprise Group (XGHA:EGL) is currently considered Significantly Overvalued. The stock's GF Value™ is GHS4.99, compared to a current price of GHS10.04 — trading 101.2% above its estimated fair value. The current Pretax Margin % is 19.16%, which is near median its 10-year median of 18.90 and 61.3% above the Insurance industry median of 11.88. Enterprise Group's overall GF Score™ is 72/100 with 3 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 Enterprise Group (XGHA:EGL), the current Pretax Margin % is 19.16% 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 Enterprise Group (XGHA:EGL) Overvalued in 2026?
Based on GuruFocus' analysis, Enterprise Group stock appears to be overvalued.
The current stock price of GHS10.04 is trading 101.2% above its estimated GF Value™ of GHS4.99.
GuruFocus considers Enterprise Group to be Significantly Overvalued.
Key valuation signals for XGHA:EGL:
Pretax Margin %: 19.16% (near median its 10-year median of 18.90)
GF Value™: GHS4.99 vs. price of GHS10.04 (101.2% above fair value)
Industry Position: 61.3% above the Insurance median (#137 of 500)
No single metric tells the full story. See the XGHA:EGL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Enterprise Group Ltd is engaged in the business of investments, life, non-life, and health insurance underwriting, pension fund management, provision of funeral services, and real estate development and management. It also underwrites insurance risks associated with death, disability, health, property, and liability. The company is organized into seven operating segments. These segments are Non-life insurance business; Life assurance business; Health insurance business; Pension administration; Real estate; Funeral services; and Investments. The company derives its revenues from the non-life insurance business. The company operates in Ghana, The Gambia, and Nigeria. The majority of revenue is from Ghana.
72GF Score
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