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NIC Asia BankXNEP:NICA +0.25%74 Pretax Margin % is 6.52% as of Apr. 2026, which is 85% below its 10-year median of 42.08. GuruFocus rates XNEP:NICA with a GF Score™ of 74/100 and a GF Value™ of NPR381.52 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 1,527 Banks companies, NIC Asia Bank ranks worse than 95.81% on this metric.
Pre-Tax margin is calculated as Pre-Tax Income divided by its Revenue. NIC Asia Bank's Pre-Tax Income for the
three
months ended in Apr. 2026 was NPR181 Mil. NIC Asia Bank's Revenue for the
three
months ended in Apr. 2026 was NPR2,783 Mil. Therefore, NIC Asia Bank's pretax margin for the quarter that ended in Apr. 2026 was 6.52%.
The historical rank and industry rank for NIC Asia Bank's Pretax Margin % or its related term are showing as below:
XNEP:NICA'
s Pretax Margin % Range Over the Past 10 Years
Min: -45.87 Med: 42.08 Max: 58.65
Current: 0.43
XNEP:NICA's Pretax Margin % is ranked worse than 95.81% of 1527
companies
in the Banks industry
Industry Median: 34.65
vs XNEP:NICA: 0.43
NIC Asia Bank (XNEP:NICA) 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.
NIC Asia Bank Pretax Margin % Related Terms
NIC Asia Bank Pretax Margin % Historical Data
* Premium members only.
The historical data trend for NIC Asia Bank'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.
NIC Asia Bank Pretax Margin % Competitor Comparison
For the Banks - Regional subindustry, NIC Asia Bank'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.
NIC Asia Bank Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, NIC Asia Bank's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where NIC Asia Bank'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.
NIC Asia Bank (XNEP:NICA) has a Pretax Margin % of 6.52% as of Apr. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on NIC Asia Bank and its competitors. This is 85% below median its historical median of 42.08. According to the industry distribution chart, NIC Asia Bank ranks #1463 out of 1527 companies in the Banks industry, placing it in the top 95.8%.
Is NIC Asia Bank's Pretax Margin % too high?
NIC Asia Bank's current Pretax Margin % of 6.52% is 85% below median its 10-year median of 42.08. The Banks industry median Pretax Margin % is 34.65. NIC Asia Bank's value of 6.52% is 81.2% below this industry median. Based on the distribution chart, NIC Asia Bank ranks #1463 out of 1527 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, NIC Asia Bank has a GF Score™ of 74/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does NIC Asia Bank's Pretax Margin % compare to competitors?
According to the Banks industry distribution chart, NIC Asia Bank ranks #1463 out of 1527 companies for Pretax Margin %. This places NIC Asia Bank in the lower half of its industry. The industry median Pretax Margin % is 34.65. NIC Asia Bank's value of 6.52% is 81.2% below this benchmark. While the company's 10-year median is 42.08 vs. the industry median of 34.65, NIC Asia Bank 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 34.65, based on 1,527 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. NIC Asia Bank's current Pretax Margin % of 6.52% is 81.2% 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 NIC Asia Bank and its competitors. For the Banks industry, the median Pretax Margin % is 34.65 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. NIC Asia Bank's current Pretax Margin % is 6.52%, which is 85% below median its own 10-year median of 42.08. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is NIC Asia Bank stock overvalued right now?
Based on GuruFocus' analysis, NIC Asia Bank (XNEP:NICA) is currently considered Modestly Undervalued. The stock's GF Value™ is NPR381.52, compared to a current price of NPR324.20 — trading 15% below its estimated fair value. The current Pretax Margin % is 6.52%, which is 85% below median its 10-year median of 42.08 and 81.2% below the Banks industry median of 34.65. NIC Asia Bank's overall GF Score™ is 74/100 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 NIC Asia Bank (XNEP:NICA), the current Pretax Margin % is 6.52% 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 NIC Asia Bank (XNEP:NICA) Overvalued in 2026?
Based on GuruFocus' analysis, NIC Asia Bank stock appears to be undervalued.
The current stock price of NPR324.20 is trading 15% below its estimated GF Value™ of NPR381.52.
GuruFocus considers NIC Asia Bank to be Modestly Undervalued.
Key valuation signals for XNEP:NICA:
Pretax Margin %: 6.52% (85% below median its 10-year median of 42.08)
GF Value™: NPR381.52 vs. price of NPR324.20 (15% below fair value)
Industry Position: 81.2% below the Banks median (#1463 of 1527)
No single metric tells the full story. See the XNEP:NICA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
NIC Asia Bank Ltd is engaged in commercial banking services in Nepal. It is organized for management and reporting purposes into segments such as Retail Banking, Corporate Banking, SME Banking, Deprived Sector Banking (DSL), Treasury, Transaction Banking (TB) and Other Banking. It generates a vast majority of the revenues from the Retail banking segment.
74GF Score
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