VP Bank AGXSWX:VPBN +0.45%63 Pretax Margin % is 14.72% as of Dec. 2025, which is 14% below its 10-year median of 17.11. GuruFocus rates XSWX:VPBN with a GF Score™ of 63/100 and a GF Value™ of CHF81.74 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,527 Banks companies, VP Bank AG ranks worse than 85.07% on this metric.
Pre-Tax margin is calculated as Pre-Tax Income divided by its Revenue. VP Bank AG's Pre-Tax Income for the
six
months ended in Dec. 2025 was CHF24.0 Mil. VP Bank AG's Revenue for the
six
months ended in Dec. 2025 was CHF163.0 Mil. Therefore, VP Bank AG's pretax margin for the quarter that ended in Dec. 2025 was 14.72%.
The historical rank and industry rank for VP Bank AG's Pretax Margin % or its related term are showing as below:
XSWX:VPBN'
s Pretax Margin % Range Over the Past 10 Years
Min: 6.73 Med: 17.11 Max: 25.3
Current: 16.7
XSWX:VPBN's Pretax Margin % is ranked worse than 85.07% of 1527
companies
in the Banks industry
Industry Median: 34.88
vs XSWX:VPBN: 16.70
VP Bank AG (XSWX:VPBN) 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.
VP Bank AG Pretax Margin % Related Terms
VP Bank AG Pretax Margin % Historical Data
* Premium members only.
The historical data trend for VP Bank AG'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.
XSWX:VPBN vs JPM, BAC, WFC: Pretax Margin % Comparison
For the Banks - Diversified subindustry, VP Bank AG'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.
VP Bank AG Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, VP Bank AG's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where VP Bank AG'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.
VP Bank AG (XSWX:VPBN) has a Pretax Margin % of 14.72% as of Dec. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on VP Bank AG and its competitors. This is 14% below median its historical median of 17.11. Over the past decade, VP Bank AG's Pretax Margin % has ranged from 6.73 to 25.30. According to the industry distribution chart, VP Bank AG ranks #1299 out of 1527 companies in the Banks industry, placing it in the top 85.1%.
Is VP Bank AG's Pretax Margin % too high?
VP Bank AG's current Pretax Margin % of 14.72% is 14% below median its 10-year median of 17.11. Over the past 10 years, this metric has ranged from a low of 6.73 to a high of 25.30. The Banks industry median Pretax Margin % is 34.88. VP Bank AG's value of 14.72% is 57.8% below this industry median. Based on the distribution chart, VP Bank AG ranks #1299 out of 1527 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, VP Bank AG has a GF Score™ of 63/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does VP Bank AG's Pretax Margin % compare to JPM and BAC?
According to the Banks industry distribution chart, VP Bank AG ranks #1299 out of 1527 companies for Pretax Margin %. This places VP Bank AG in the lower half of its industry. The industry median Pretax Margin % is 34.88. VP Bank AG's value of 14.72% is 57.8% below this benchmark. Historically, VP Bank AG's own Pretax Margin % has ranged from 6.73 to 25.30 over the past decade. While the company's 10-year median is 17.11 vs. the industry median of 34.88, VP Bank AG 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 34.88, 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. VP Bank AG's current Pretax Margin % of 14.72% is 57.8% 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 VP Bank AG and its competitors. For the Banks industry, the median Pretax Margin % is 34.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. VP Bank AG's current Pretax Margin % is 14.72%, which is 14% below median its own 10-year median of 17.11. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is VP Bank AG stock overvalued right now?
Based on GuruFocus' analysis, VP Bank AG (XSWX:VPBN) is currently considered Fairly Valued. The stock's GF Value™ is CHF81.74, compared to a current price of CHF89.00 — trading 8.9% above its estimated fair value. The current Pretax Margin % is 14.72%, which is 14% below median its 10-year median of 17.11 and 57.8% below the Banks industry median of 34.88. VP Bank AG's overall GF Score™ is 63/100 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 VP Bank AG (XSWX:VPBN), the current Pretax Margin % is 14.72% as of Dec. 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 VP Bank AG (XSWX:VPBN) Overvalued in 2026?
Based on GuruFocus' analysis, VP Bank AG stock appears to be overvalued.
The current stock price of CHF89.00 is trading 8.9% above its estimated GF Value™ of CHF81.74.
GuruFocus considers VP Bank AG to be Fairly Valued.
Key valuation signals for XSWX:VPBN:
Pretax Margin %: 14.72% (14% below median its 10-year median of 17.11)
GF Value™: CHF81.74 vs. price of CHF89.00 (8.9% above fair value)
Industry Position: 57.8% below the Banks median (#1299 of 1527)
No single metric tells the full story. See the XSWX:VPBN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
VP Bank AG is a private bank. It is in the business of asset management and investment advisory services for private individuals and intermediaries and is also involved in the lending business, money market, and interbank activities and trading activities. The segments in which the company operates are Liechtenstein & BVI, International, Asset Servicing, and Corporate Center. Its geographical segments are Liechtenstein, the Rest of Europe, and Other countries, of which Liechtenstein derives maximum revenue.
63GF Score
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