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Scotia Group JamaicaXJAM:SGJ 81 Pretax Margin % is 41.50% as of Apr. 2026, which is 4% below its 10-year median of 43.33. GuruFocus rates XJAM:SGJ with a GF Score™ of 81/100 and a GF Value™ of JMD57.71 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,530 Banks companies, Scotia Group Jamaica ranks better than 71.31% on this metric.
The historical rank and industry rank for Scotia Group Jamaica's Pretax Margin % or its related term are showing as below:
XJAM:SGJ'
s Pretax Margin % Range Over the Past 10 Years
Min: 30.42 Med: 43.33 Max: 47.1
Current: 43.51
XJAM:SGJ's Pretax Margin % is ranked better than 71.31% of 1530
companies
in the Banks industry
Industry Median: 34.655
vs XJAM:SGJ: 43.51
Scotia Group Jamaica (XJAM:SGJ) 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.
Scotia Group Jamaica Pretax Margin % Related Terms
Scotia Group Jamaica Pretax Margin % Historical Data
* Premium members only.
The historical data trend for Scotia Group Jamaica'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, Scotia Group Jamaica'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.
Scotia Group Jamaica Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Scotia Group Jamaica's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Scotia Group Jamaica'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.
Scotia Group Jamaica (XJAM:SGJ) has a Pretax Margin % of 41.50% as of Apr. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Scotia Group Jamaica and its competitors. This is near median its historical median of 43.33. Over the past decade, Scotia Group Jamaica's Pretax Margin % has ranged from 30.42 to 47.10. According to the industry distribution chart, Scotia Group Jamaica ranks #439 out of 1530 companies in the Banks industry, placing it in the top 28.7%.
Is Scotia Group Jamaica's Pretax Margin % too high?
Scotia Group Jamaica's current Pretax Margin % of 41.50% is near median its 10-year median of 43.33. Over the past 10 years, this metric has ranged from a low of 30.42 to a high of 47.10. The Banks industry median Pretax Margin % is 34.66. Scotia Group Jamaica's value of 41.50% is 19.8% above this industry median. Based on the distribution chart, Scotia Group Jamaica ranks #439 out of 1530 companies in the Banks industry, which is above the industry midpoint. Overall, Scotia Group Jamaica has a GF Score™ of 81/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Scotia Group Jamaica's Pretax Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Scotia Group Jamaica ranks #439 out of 1530 companies for Pretax Margin %. This puts Scotia Group Jamaica in the upper half of its industry. The industry median Pretax Margin % is 34.66. Scotia Group Jamaica's value of 41.50% is 19.8% above this benchmark. Historically, Scotia Group Jamaica's own Pretax Margin % has ranged from 30.42 to 47.10 over the past decade. While the company's 10-year median is 43.33 vs. the industry median of 34.66, Scotia Group Jamaica 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 34.66, 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. Scotia Group Jamaica's current Pretax Margin % of 41.50% is 19.8% 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 Scotia Group Jamaica and its competitors. For the Banks industry, the median Pretax Margin % is 34.66 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Scotia Group Jamaica's current Pretax Margin % is 41.50%, which is near median its own 10-year median of 43.33. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Scotia Group Jamaica stock overvalued right now?
Based on GuruFocus' analysis, Scotia Group Jamaica (XJAM:SGJ) is currently considered Fairly Valued. The stock's GF Value™ is JMD57.71, compared to a current price of JMD58.18 — trading 0.8% above its estimated fair value. The current Pretax Margin % is 41.50%, which is near median its 10-year median of 43.33 and 19.8% above the Banks industry median of 34.66. Scotia Group Jamaica's overall GF Score™ is 81/100 with 4 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 Scotia Group Jamaica (XJAM:SGJ), the current Pretax Margin % is 41.50% as of Apr. 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 Scotia Group Jamaica (XJAM:SGJ) Overvalued in 2026?
Based on GuruFocus' analysis, Scotia Group Jamaica stock appears to be overvalued.
The current stock price of JMD58.18 is trading 0.8% above its estimated GF Value™ of JMD57.71.
GuruFocus considers Scotia Group Jamaica to be Fairly Valued.
Key valuation signals for XJAM:SGJ:
Pretax Margin %: 41.50% (near median its 10-year median of 43.33)
GF Value™: JMD57.71 vs. price of JMD58.18 (0.8% above fair value)
Industry Position: 19.8% above the Banks median (#439 of 1530)
No single metric tells the full story. See the XJAM:SGJ stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Scotia Group Jamaica Ltd is a Jamaican financial holding company. It provides a range of financial services through its subsidiaries to personal, commercial, corporate, and government clients across Jamaica. The company has six business segments: Retail, Corporate and Commercial, Treasury, Investment Management Services, Insurance Services, and Others. It generates maximum revenue from the Retail banking segment. The retail banking segment includes personal banking services, personal deposit accounts, credit and debit cards, consumer loans, mortgages, and microfinance.
81GF Score
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