Komercijalna Banka AD Skopje (XMAE:KMB) Pretax Margin %: 65.88% (As of Sep. 2025) — 43% Above Median

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XMAE:KMB Komercijalna Banka AD Skopje XMAE:KMB
65 GF Score
Price MKD25,400.00
GF Value MKD27,961.18
Valuation Fairly Valued
! 3 Warning Signs
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What is Komercijalna Banka AD Skopje Pretax Margin %?

Komercijalna Banka AD Skopje XMAE:KMB +0.79% 65 Pretax Margin % is 65.88% as of Sep. 2025, which is 43% above its 10-year median of 46.23. GuruFocus rates XMAE:KMB with a GF Score™ of 65/100 and a GF Value™ of MKD27,961.18 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,530 Banks companies, Komercijalna Banka AD Skopje ranks better than 95.56% on this metric.

Pre-Tax margin is calculated as Pre-Tax Income divided by its Revenue. Komercijalna Banka AD Skopje's Pre-Tax Income for the three months ended in Sep. 2025 was MKD1,279 Mil. Komercijalna Banka AD Skopje's Revenue for the three months ended in Sep. 2025 was MKD1,941 Mil. Therefore, Komercijalna Banka AD Skopje's pretax margin for the quarter that ended in Sep. 2025 was 65.88%.

The historical rank and industry rank for Komercijalna Banka AD Skopje's Pretax Margin % or its related term are showing as below:

XMAE:KMB' s Pretax Margin % Range Over the Past 10 Years
Min: 12.88   Med: 46.23   Max: 66.94
Current: 66.23


XMAE:KMB's Pretax Margin % is ranked better than
95.56% of 1530 companies
in the Banks industry
Industry Median: 34.655 vs XMAE:KMB: 66.23

Komercijalna Banka AD Skopje  (XMAE:KMB) 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.


Komercijalna Banka AD Skopje Pretax Margin % Related Terms


Komercijalna Banka AD Skopje Pretax Margin % Historical Data

* Premium members only.

The historical data trend for Komercijalna Banka AD Skopje'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.

Komercijalna Banka AD Skopje Pretax Margin % Chart

Komercijalna Banka AD Skopje Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Pretax Margin %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 42.24 60.03 48.64 57.73 66.94

Komercijalna Banka AD Skopje Quarterly Data
Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25
Pretax Margin % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 74.76 67.73 69.97 62.49 65.88

XMAE:KMB vs PNC, USB: Pretax Margin % Comparison

For the Banks - Regional subindustry, Komercijalna Banka AD Skopje'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.


Komercijalna Banka AD Skopje Pretax Margin % vs Banks Industry

For the Banks industry and Financial Services sector, Komercijalna Banka AD Skopje's Pretax Margin % distribution charts can be found below:

* The bar in red indicates where Komercijalna Banka AD Skopje's Pretax Margin % falls into.


XMAE:KMB
65GF Score
Komercijalna Banka AD Skopje XMAE:KMB
Pretax Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Komercijalna Banka AD Skopje Pretax Margin % Calculation

Pretax margin - also known as pretax profit margin is the ratio of Pretax Income divided by net sales or Revenue, usually presented in percent.

Komercijalna Banka AD Skopje's Pretax Margin for the fiscal year that ended in Dec. 2024 is calculated as

Pretax Margin=Pre-Tax Income (A: Dec. 2024 )/Revenue (A: Dec. 2024 )
=5524.532/8253.467
=66.94 %

Komercijalna Banka AD Skopje's Pretax Margin for the quarter that ended in Sep. 2025 is calculated as

Pretax Margin=Pre-Tax Income (Q: Sep. 2025 )/Revenue (Q: Sep. 2025 )
=1278.57/1940.794
=65.88 %

* 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.

Frequently Asked Questions Learn more about Pretax Margin % →
What does a Pretax Margin % of 65.88% mean?
Komercijalna Banka AD Skopje (XMAE:KMB) has a Pretax Margin % of 65.88% as of Sep. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Komercijalna Banka AD Skopje and its competitors. This is 43% above median its historical median of 46.23. Over the past decade, Komercijalna Banka AD Skopje's Pretax Margin % has ranged from 12.88 to 66.94. According to the industry distribution chart, Komercijalna Banka AD Skopje ranks #68 out of 1530 companies in the Banks industry, placing it in the top 4.4%.
Is Komercijalna Banka AD Skopje's Pretax Margin % too high?
Komercijalna Banka AD Skopje's current Pretax Margin % of 65.88% is 43% above median its 10-year median of 46.23. Over the past 10 years, this metric has ranged from a low of 12.88 to a high of 66.94. The Banks industry median Pretax Margin % is 34.66. Komercijalna Banka AD Skopje's value of 65.88% is 90.1% above this industry median. Based on the distribution chart, Komercijalna Banka AD Skopje ranks #68 out of 1530 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Komercijalna Banka AD Skopje has a GF Score™ of 65/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Komercijalna Banka AD Skopje's Pretax Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Komercijalna Banka AD Skopje ranks #68 out of 1530 companies for Pretax Margin %. This places Komercijalna Banka AD Skopje in the top 4% of its industry — outperforming the majority of peers. The industry median Pretax Margin % is 34.66. Komercijalna Banka AD Skopje's value of 65.88% is 90.1% above this benchmark. Historically, Komercijalna Banka AD Skopje's own Pretax Margin % has ranged from 12.88 to 66.94 over the past decade. While the company's 10-year median is 46.23 vs. the industry median of 34.66, Komercijalna Banka AD Skopje 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. Komercijalna Banka AD Skopje's current Pretax Margin % of 65.88% is 90.1% 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 Komercijalna Banka AD Skopje 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. Komercijalna Banka AD Skopje's current Pretax Margin % is 65.88%, which is 43% above median its own 10-year median of 46.23. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Komercijalna Banka AD Skopje stock overvalued right now?
Based on GuruFocus' analysis, Komercijalna Banka AD Skopje (XMAE:KMB) is currently considered Fairly Valued. The stock's GF Value™ is MKD27,961.18, compared to a current price of MKD25,400.00 — trading 9.2% below its estimated fair value. The current Pretax Margin % is 65.88%, which is 43% above median its 10-year median of 46.23 and 90.1% above the Banks industry median of 34.66. Komercijalna Banka AD Skopje's overall GF Score™ is 65/100 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 Komercijalna Banka AD Skopje (XMAE:KMB), the current Pretax Margin % is 65.88% as of Sep. 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 Komercijalna Banka AD Skopje (XMAE:KMB) Overvalued in 2026?

Based on GuruFocus' analysis, Komercijalna Banka AD Skopje stock appears to be undervalued. The current stock price of MKD25,400.00 is trading 9.2% below its estimated GF Value™ of MKD27,961.18. GuruFocus considers Komercijalna Banka AD Skopje to be Fairly Valued.

Key valuation signals for XMAE:KMB:

  • Pretax Margin %: 65.88% (43% above median its 10-year median of 46.23)
  • GF Value™: MKD27,961.18 vs. price of MKD25,400.00 (9.2% below fair value)
  • GF Score™: 65/100 with 3 warning signs
  • Industry Position: 90.1% above the Banks median (#68 of 1530)

No single metric tells the full story. See the XMAE:KMB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Komercijalna Banka AD Skopje Business Description

Address St.Orce Nikolov Street no. 3, P.O. Box 563, Skopje, MKD, 1000
Komercijalna Banka AD Skopje is a commercial bank. The principal activities of the bank are - collecting deposits, placing loans and advances domestically and abroad, factoring and financing commercial transactions, foreign exchange operations, fast money transfer, trading with foreign currencies, trading with securities, services of a bank-custodian of investment and pension funds, intermediating in selling insurance policies, data collection and analysis of company's credit rating, and many others. It operates in the Republic of Macedonia, Europe, and other EU member countries.
65GF Score

Get the complete analysis for XMAE:KMB

Pretax Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

MKD25,400.00
Price
MKD27,961.18
GF Value