Grupo Assa (XPTY:ASSA) Pretax Margin %: 14.95% (As of Mar. 2026) — 21% Below Median

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XPTY:ASSA Grupo Assa SA XPTY:ASSA
76 GF Score
Price $155.00
GF Value $144.93
Valuation Fairly Valued
! 7 Warning Signs
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What is Grupo Assa Pretax Margin %?

Grupo Assa XPTY:ASSA +0.01% 76 Pretax Margin % is 14.95% as of Mar. 2026, which is 21% below its 10-year median of 18.98. GuruFocus rates XPTY:ASSA with a GF Score™ of 76/100 and a GF Value™ of $144.93 (Fairly Valued). The stock has 7 warning signs investors should review. Among 501 Insurance companies, Grupo Assa ranks better than 84.43% on this metric.

Pre-Tax margin is calculated as Pre-Tax Income divided by its Revenue. Grupo Assa's Pre-Tax Income for the three months ended in Mar. 2026 was $31.1 Mil. Grupo Assa's Revenue for the three months ended in Mar. 2026 was $208.2 Mil. Therefore, Grupo Assa's pretax margin for the quarter that ended in Mar. 2026 was 14.95%.

The historical rank and industry rank for Grupo Assa's Pretax Margin % or its related term are showing as below:

XPTY:ASSA' s Pretax Margin % Range Over the Past 10 Years
Min: 13.16   Med: 18.98   Max: 28.81
Current: 27.85


XPTY:ASSA's Pretax Margin % is ranked better than
84.43% of 501 companies
in the Insurance industry
Industry Median: 11.78 vs XPTY:ASSA: 27.85

Grupo Assa  (XPTY:ASSA) 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.


Grupo Assa Pretax Margin % Related Terms


Grupo Assa Pretax Margin % Historical Data

* Premium members only.

The historical data trend for Grupo Assa'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.

Grupo Assa Pretax Margin % Chart

Grupo Assa Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Pretax Margin %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 18.20 14.28 19.75 25.74 28.81

Grupo Assa Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
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 16.41 42.40 17.99 54.35 14.95

XPTY:ASSA vs BRK.A, AIG, HIG: Pretax Margin % Comparison

For the Insurance - Diversified subindustry, Grupo Assa'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.


Grupo Assa Pretax Margin % vs Insurance Industry

For the Insurance industry and Financial Services sector, Grupo Assa's Pretax Margin % distribution charts can be found below:

* The bar in red indicates where Grupo Assa's Pretax Margin % falls into.


XPTY:ASSA
76GF Score
Grupo Assa SA XPTY:ASSA
Pretax Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Grupo Assa 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.

Grupo Assa's Pretax Margin for the fiscal year that ended in Dec. 2025 is calculated as

Pretax Margin=Pre-Tax Income (A: Dec. 2025 )/Revenue (A: Dec. 2025 )
=153.622/533.28
=28.81 %

Grupo Assa's Pretax Margin for the quarter that ended in Mar. 2026 is calculated as

Pretax Margin=Pre-Tax Income (Q: Mar. 2026 )/Revenue (Q: Mar. 2026 )
=31.119/208.205
=14.95 %

* 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 14.95% mean?
Grupo Assa (XPTY:ASSA) has a Pretax Margin % of 14.95% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Grupo Assa and its competitors. This is 21% below median its historical median of 18.98. Over the past decade, Grupo Assa's Pretax Margin % has ranged from 13.16 to 28.81. According to the industry distribution chart, Grupo Assa ranks #78 out of 501 companies in the Insurance industry, placing it in the top 15.6%.
Is Grupo Assa's Pretax Margin % too high?
Grupo Assa's current Pretax Margin % of 14.95% is 21% below median its 10-year median of 18.98. Over the past 10 years, this metric has ranged from a low of 13.16 to a high of 28.81. The Insurance industry median Pretax Margin % is 11.78. Grupo Assa's value of 14.95% is 26.9% above this industry median. Based on the distribution chart, Grupo Assa ranks #78 out of 501 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Grupo Assa has a GF Score™ of 76/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Grupo Assa's Pretax Margin % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Grupo Assa ranks #78 out of 501 companies for Pretax Margin %. This places Grupo Assa in the top 16% of its industry — outperforming the majority of peers. The industry median Pretax Margin % is 11.78. Grupo Assa's value of 14.95% is 26.9% above this benchmark. Historically, Grupo Assa's own Pretax Margin % has ranged from 13.16 to 28.81 over the past decade. While the company's 10-year median is 18.98 vs. the industry median of 11.78, Grupo Assa 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 an Insurance company?
The median Pretax Margin % among Insurance companies is 11.78, based on 501 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. Grupo Assa's current Pretax Margin % of 14.95% is 26.9% 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 Grupo Assa and its competitors. For the Insurance industry, the median Pretax Margin % is 11.78 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Grupo Assa's current Pretax Margin % is 14.95%, which is 21% below median its own 10-year median of 18.98. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Grupo Assa stock overvalued right now?
Based on GuruFocus' analysis, Grupo Assa (XPTY:ASSA) is currently considered Fairly Valued. The stock's GF Value™ is $144.93, compared to a current price of $155.00 — trading 6.9% above its estimated fair value. The current Pretax Margin % is 14.95%, which is 21% below median its 10-year median of 18.98 and 26.9% above the Insurance industry median of 11.78. Grupo Assa's overall GF Score™ is 76/100 with 7 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 Grupo Assa (XPTY:ASSA), the current Pretax Margin % is 14.95% 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 Grupo Assa (XPTY:ASSA) Overvalued in 2026?

Based on GuruFocus' analysis, Grupo Assa stock appears to be overvalued. The current stock price of $155.00 is trading 6.9% above its estimated GF Value™ of $144.93. GuruFocus considers Grupo Assa to be Fairly Valued.

Key valuation signals for XPTY:ASSA:

  • Pretax Margin %: 14.95% (21% below median its 10-year median of 18.98)
  • GF Value™: $144.93 vs. price of $155.00 (6.9% above fair value)
  • GF Score™: 76/100 with 7 warning signs
  • Industry Position: 26.9% above the Insurance median (#78 of 501)

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


Grupo Assa Business Description

Address Nicanor de Obarrio Avenue, Calle 50, PO Box 0816-01622, ASSA Building, between Calles 56 and 57, Panama, PAN
Grupo Assa SA is engaged in the operations of insurance business, banking operations, financial activities and other investment operations.
76GF Score

Get the complete analysis for XPTY:ASSA

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

$155.00
Price
$144.93
GF Value