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Bank CenterCredit JSCXKAZ:CCBN -0.04%55 Pretax Margin % is 51.01% as of Mar. 2026, which is 84% above its 10-year median of 27.70. GuruFocus rates XKAZ:CCBN with a GF Score™ of 55/100 and a GF Value™ of ₸3,333.87 (Significantly Overvalued). The stock has 2 warning signs investors should review. Among 1,530 Banks companies, Bank CenterCredit JSC ranks better than 84.97% on this metric.
The historical rank and industry rank for Bank CenterCredit JSC's Pretax Margin % or its related term are showing as below:
XKAZ:CCBN'
s Pretax Margin % Range Over the Past 10 Years
Min: 2.83 Med: 27.7 Max: 71.49
Current: 52.17
XKAZ:CCBN's Pretax Margin % is ranked better than 84.97% of 1530
companies
in the Banks industry
Industry Median: 34.655
vs XKAZ:CCBN: 52.17
Bank CenterCredit JSC (XKAZ:CCBN) 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.
Bank CenterCredit JSC Pretax Margin % Related Terms
Bank CenterCredit JSC Pretax Margin % Historical Data
* Premium members only.
The historical data trend for Bank CenterCredit JSC'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, Bank CenterCredit JSC'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.
Bank CenterCredit JSC Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Bank CenterCredit JSC's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Bank CenterCredit JSC'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.
Bank CenterCredit JSC (XKAZ:CCBN) has a Pretax Margin % of 51.01% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Bank CenterCredit JSC and its competitors. This is 84% above median its historical median of 27.70. Over the past decade, Bank CenterCredit JSC's Pretax Margin % has ranged from 2.83 to 71.49. According to the industry distribution chart, Bank CenterCredit JSC ranks #230 out of 1530 companies in the Banks industry, placing it in the top 15%.
Is Bank CenterCredit JSC's Pretax Margin % too high?
Bank CenterCredit JSC's current Pretax Margin % of 51.01% is 84% above median its 10-year median of 27.70. Over the past 10 years, this metric has ranged from a low of 2.83 to a high of 71.49. The Banks industry median Pretax Margin % is 34.66. Bank CenterCredit JSC's value of 51.01% is 47.2% above this industry median. Based on the distribution chart, Bank CenterCredit JSC ranks #230 out of 1530 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Bank CenterCredit JSC has a GF Score™ of 55/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bank CenterCredit JSC's Pretax Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Bank CenterCredit JSC ranks #230 out of 1530 companies for Pretax Margin %. This places Bank CenterCredit JSC in the top 15% of its industry — outperforming the majority of peers. The industry median Pretax Margin % is 34.66. Bank CenterCredit JSC's value of 51.01% is 47.2% above this benchmark. Historically, Bank CenterCredit JSC's own Pretax Margin % has ranged from 2.83 to 71.49 over the past decade. While the company's 10-year median is 27.70 vs. the industry median of 34.66, Bank CenterCredit JSC 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. Bank CenterCredit JSC's current Pretax Margin % of 51.01% is 47.2% 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 Bank CenterCredit JSC 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. Bank CenterCredit JSC's current Pretax Margin % is 51.01%, which is 84% above median its own 10-year median of 27.70. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank CenterCredit JSC stock overvalued right now?
Based on GuruFocus' analysis, Bank CenterCredit JSC (XKAZ:CCBN) is currently considered Significantly Overvalued. The stock's GF Value™ is ₸3,333.87, compared to a current price of ₸4,500.00 — trading 35% above its estimated fair value. The current Pretax Margin % is 51.01%, which is 84% above median its 10-year median of 27.70 and 47.2% above the Banks industry median of 34.66. Bank CenterCredit JSC's overall GF Score™ is 55/100 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 Bank CenterCredit JSC (XKAZ:CCBN), the current Pretax Margin % is 51.01% 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 Bank CenterCredit JSC (XKAZ:CCBN) Overvalued in 2026?
Based on GuruFocus' analysis, Bank CenterCredit JSC stock appears to be overvalued.
The current stock price of ₸4,500.00 is trading 35% above its estimated GF Value™ of ₸3,333.87.
GuruFocus considers Bank CenterCredit JSC to be Significantly Overvalued.
Key valuation signals for XKAZ:CCBN:
Pretax Margin %: 51.01% (84% above median its 10-year median of 27.70)
GF Value™: ₸3,333.87 vs. price of ₸4,500.00 (35% above fair value)
Industry Position: 47.2% above the Banks median (#230 of 1530)
No single metric tells the full story. See the XKAZ:CCBN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bank CenterCredit JSC is a Kazakhstan-based commercial bank. The bank offers direct debit facilities, current accounts, deposits, overdrafts, loans and other credit facilities, private customer current accounts, saving deposits, investment saving products, custody, credit and debit cards, structured financing, money market operations, foreign currency and derivative products, brokerage and asset management services, merger and acquisitions advice, and provision of funding through the issue of debt securities and attracting loans.
55GF Score
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