Affin Bank BhdXKLS:5185 -0.45%67 Pretax Margin % is 27.69% as of Mar. 2026, which is 11% below its 10-year median of 31.12. GuruFocus rates XKLS:5185 with a GF Score™ of 67/100 and a GF Value™ of RM2.87 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 1,528 Banks companies, Affin Bank Bhd ranks worse than 63.42% on this metric.
The historical rank and industry rank for Affin Bank Bhd's Pretax Margin % or its related term are showing as below:
XKLS:5185'
s Pretax Margin % Range Over the Past 10 Years
Min: 11.53 Med: 31.12 Max: 45.65
Current: 29.77
XKLS:5185's Pretax Margin % is ranked worse than 63.42% of 1528
companies
in the Banks industry
Industry Median: 34.715
vs XKLS:5185: 29.77
Affin Bank Bhd (XKLS:5185) 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.
Affin Bank Bhd Pretax Margin % Related Terms
Affin Bank Bhd Pretax Margin % Historical Data
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The historical data trend for Affin Bank Bhd'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, Affin Bank Bhd'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.
Affin Bank Bhd Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Affin Bank Bhd's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Affin Bank Bhd'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.
Affin Bank Bhd (XKLS:5185) has a Pretax Margin % of 27.69% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Affin Bank Bhd and its competitors. This is 11% below median its historical median of 31.12. Over the past decade, Affin Bank Bhd's Pretax Margin % has ranged from 11.53 to 45.65. According to the industry distribution chart, Affin Bank Bhd ranks #969 out of 1528 companies in the Banks industry, placing it in the top 63.4%.
Is Affin Bank Bhd's Pretax Margin % too high?
Affin Bank Bhd's current Pretax Margin % of 27.69% is 11% below median its 10-year median of 31.12. Over the past 10 years, this metric has ranged from a low of 11.53 to a high of 45.65. The Banks industry median Pretax Margin % is 34.72. Affin Bank Bhd's value of 27.69% is 20.2% below this industry median. Based on the distribution chart, Affin Bank Bhd ranks #969 out of 1528 companies in the Banks industry, which is below the industry midpoint. Overall, Affin Bank Bhd has a GF Score™ of 67/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Affin Bank Bhd's Pretax Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Affin Bank Bhd ranks #969 out of 1528 companies for Pretax Margin %. This places Affin Bank Bhd in the lower half of its industry. The industry median Pretax Margin % is 34.72. Affin Bank Bhd's value of 27.69% is 20.2% below this benchmark. Historically, Affin Bank Bhd's own Pretax Margin % has ranged from 11.53 to 45.65 over the past decade. While the company's 10-year median is 31.12 vs. the industry median of 34.72, Affin Bank Bhd has consistently been below 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 1,528 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. Affin Bank Bhd's current Pretax Margin % of 27.69% is 20.2% below 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 Affin Bank Bhd 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. Affin Bank Bhd's current Pretax Margin % is 27.69%, which is 11% below median its own 10-year median of 31.12. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Affin Bank Bhd stock overvalued right now?
Based on GuruFocus' analysis, Affin Bank Bhd (XKLS:5185) is currently considered Modestly Undervalued. The stock's GF Value™ is RM2.87, compared to a current price of RM2.23 — trading 22.3% below its estimated fair value. The current Pretax Margin % is 27.69%, which is 11% below median its 10-year median of 31.12 and 20.2% below the Banks industry median of 34.72. Affin Bank Bhd's overall GF Score™ is 67/100 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 Affin Bank Bhd (XKLS:5185), the current Pretax Margin % is 27.69% 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 Affin Bank Bhd (XKLS:5185) Overvalued in 2026?
Based on GuruFocus' analysis, Affin Bank Bhd stock appears to be undervalued.
The current stock price of RM2.23 is trading 22.3% below its estimated GF Value™ of RM2.87.
GuruFocus considers Affin Bank Bhd to be Modestly Undervalued.
Key valuation signals for XKLS:5185:
Pretax Margin %: 27.69% (11% below median its 10-year median of 31.12)
GF Value™: RM2.87 vs. price of RM2.23 (22.3% below fair value)
Industry Position: 20.2% below the Banks median (#969 of 1528)
No single metric tells the full story. See the XKLS:5185 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Affin Bank Bhd is a Malaysia-based bank. It operates in four segments: Commercial Banking focuses on the business of banking in all aspects including Islamic Banking operations; Investment Banking focuses on the business of a merchant bank, stock-broking, and other related financial services; Insurance includes the business of underwriting all classes of general and life insurance businesses in Malaysia; and Others include operation of investment holding companies, money-broking, information technology and other related financial services. The company provides Personal banking and Business banking services. The majority of the group's revenue comes from Commercial Banking within Malaysia.
67GF Score
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