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NCB Financial GroupXJAM:NCBFG -1.02%60 Pretax Margin % is 20.13% as of Dec. 2025, which is 2% above its 10-year median of 19.71. GuruFocus rates XJAM:NCBFG with a GF Score™ of 60/100 and a GF Value™ of JMD39.49 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 110 Diversified Financial Services companies, NCB Financial Group ranks better than 72.73% on this metric.
The historical rank and industry rank for NCB Financial Group's Pretax Margin % or its related term are showing as below:
XJAM:NCBFG'
s Pretax Margin % Range Over the Past 10 Years
Min: 4.62 Med: 19.71 Max: 47.68
Current: 31.52
XJAM:NCBFG's Pretax Margin % is ranked better than 72.73% of 110
companies
in the Diversified Financial Services industry
Industry Median: 11.115
vs XJAM:NCBFG: 31.52
NCB Financial Group (XJAM:NCBFG) 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.
NCB Financial Group Pretax Margin % Related Terms
NCB Financial Group Pretax Margin % Historical Data
* Premium members only.
The historical data trend for NCB Financial 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.
XJAM:NCBFG vs FRHC, VOYA: Pretax Margin % Comparison
For the Financial Conglomerates subindustry, NCB Financial 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.
NCB Financial Group Pretax Margin % vs Diversified Financial Services Industry
For the Diversified Financial Services industry and Financial Services sector, NCB Financial Group's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where NCB Financial 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.
NCB Financial Group (XJAM:NCBFG) has a Pretax Margin % of 20.13% as of Dec. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on NCB Financial Group and its competitors. This is near median its historical median of 19.71. Over the past decade, NCB Financial Group's Pretax Margin % has ranged from 4.62 to 47.68. According to the industry distribution chart, NCB Financial Group ranks #30 out of 110 companies in the Diversified Financial Services industry, placing it in the top 27.3%.
Is NCB Financial Group's Pretax Margin % too high?
NCB Financial Group's current Pretax Margin % of 20.13% is near median its 10-year median of 19.71. Over the past 10 years, this metric has ranged from a low of 4.62 to a high of 47.68. The Diversified Financial Services industry median Pretax Margin % is 11.12. NCB Financial Group's value of 20.13% is 81.1% above this industry median. Based on the distribution chart, NCB Financial Group ranks #30 out of 110 companies in the Diversified Financial Services industry, which is above the industry midpoint. Overall, NCB Financial Group has a GF Score™ of 60/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does NCB Financial Group's Pretax Margin % compare to FRHC and VOYA?
According to the Diversified Financial Services industry distribution chart, NCB Financial Group ranks #30 out of 110 companies for Pretax Margin %. This puts NCB Financial Group in the upper half of its industry. The industry median Pretax Margin % is 11.12. NCB Financial Group's value of 20.13% is 81.1% above this benchmark. Historically, NCB Financial Group's own Pretax Margin % has ranged from 4.62 to 47.68 over the past decade. While the company's 10-year median is 19.71 vs. the industry median of 11.12, NCB Financial 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 a Diversified Financial Services company?
The median Pretax Margin % among Diversified Financial Services companies is 11.12, based on 110 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. NCB Financial Group's current Pretax Margin % of 20.13% is 81.1% 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 NCB Financial Group and its competitors. For the Diversified Financial Services industry, the median Pretax Margin % is 11.12 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. NCB Financial Group's current Pretax Margin % is 20.13%, which is near median its own 10-year median of 19.71. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is NCB Financial Group stock overvalued right now?
Based on GuruFocus' analysis, NCB Financial Group (XJAM:NCBFG) is currently considered Significantly Overvalued. The stock's GF Value™ is JMD39.49, compared to a current price of JMD74.00 — trading 87.4% above its estimated fair value. The current Pretax Margin % is 20.13%, which is near median its 10-year median of 19.71 and 81.1% above the Diversified Financial Services industry median of 11.12. NCB Financial Group's overall GF Score™ is 60/100 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 NCB Financial Group (XJAM:NCBFG), the current Pretax Margin % is 20.13% 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 NCB Financial Group (XJAM:NCBFG) Overvalued in 2026?
Based on GuruFocus' analysis, NCB Financial Group stock appears to be overvalued.
The current stock price of JMD74.00 is trading 87.4% above its estimated GF Value™ of JMD39.49.
GuruFocus considers NCB Financial Group to be Significantly Overvalued.
Key valuation signals for XJAM:NCBFG:
Pretax Margin %: 20.13% (near median its 10-year median of 19.71)
GF Value™: JMD39.49 vs. price of JMD74.00 (87.4% above fair value)
Industry Position: 81.1% above the Diversified Financial Services median (#30 of 110)
No single metric tells the full story. See the XJAM:NCBFG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
NCB Financial Group Ltd provides financial services. Its segments comprise Banking and Investment Activities which includes Consumer & SME Banking, Corporate and Commerical Banking, Payment services, Treasury and Correspondent banking, Wealth, Asset management, and Investment Banking; And Insurance Activities Life and Health Insurance and pension Management, and General Insurance. Maximum revenue is from Life and Health Insurance and pension Management sector, with maximum profit from Jamaica and Trinidad and Tobago.
60GF Score
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