ProCredit Holding AGXTER:PCZ -0.24%64 Pretax Margin % is 25.63% as of Mar. 2026, which is 0% above its 10-year median of 25.54. GuruFocus rates XTER:PCZ with a GF Score™ of 64/100 and a GF Value™ of €8.99 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,528 Banks companies, ProCredit Holding AG ranks worse than 78.01% on this metric.
The historical rank and industry rank for ProCredit Holding AG's Pretax Margin % or its related term are showing as below:
XTER:PCZ'
s Pretax Margin % Range Over the Past 10 Years
Min: 4.97 Med: 25.54 Max: 34.67
Current: 22.08
XTER:PCZ's Pretax Margin % is ranked worse than 78.01% of 1528
companies
in the Banks industry
Industry Median: 34.715
vs XTER:PCZ: 22.08
ProCredit Holding AG (XTER:PCZ) 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.
ProCredit Holding AG Pretax Margin % Related Terms
ProCredit Holding AG Pretax Margin % Historical Data
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The historical data trend for ProCredit Holding 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.
XTER:PCZ vs JPM, BAC, WFC: Pretax Margin % Comparison
For the Banks - Diversified subindustry, ProCredit Holding 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.
ProCredit Holding AG Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, ProCredit Holding AG's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where ProCredit Holding 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.
ProCredit Holding AG (XTER:PCZ) has a Pretax Margin % of 25.63% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on ProCredit Holding AG and its competitors. This is near median its historical median of 25.54. Over the past decade, ProCredit Holding AG's Pretax Margin % has ranged from 4.97 to 34.67. According to the industry distribution chart, ProCredit Holding AG ranks #1192 out of 1528 companies in the Banks industry, placing it in the top 78%.
Is ProCredit Holding AG's Pretax Margin % too high?
ProCredit Holding AG's current Pretax Margin % of 25.63% is near median its 10-year median of 25.54. Over the past 10 years, this metric has ranged from a low of 4.97 to a high of 34.67. The Banks industry median Pretax Margin % is 34.72. ProCredit Holding AG's value of 25.63% is 26.2% below this industry median. Based on the distribution chart, ProCredit Holding AG ranks #1192 out of 1528 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, ProCredit Holding AG has a GF Score™ of 64/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does ProCredit Holding AG's Pretax Margin % compare to JPM and BAC?
According to the Banks industry distribution chart, ProCredit Holding AG ranks #1192 out of 1528 companies for Pretax Margin %. This places ProCredit Holding AG in the lower half of its industry. The industry median Pretax Margin % is 34.72. ProCredit Holding AG's value of 25.63% is 26.2% below this benchmark. Historically, ProCredit Holding AG's own Pretax Margin % has ranged from 4.97 to 34.67 over the past decade. While the company's 10-year median is 25.54 vs. the industry median of 34.72, ProCredit Holding 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 34.72, 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. ProCredit Holding AG's current Pretax Margin % of 25.63% is 26.2% 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 ProCredit Holding AG 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. ProCredit Holding AG's current Pretax Margin % is 25.63%, which is near median its own 10-year median of 25.54. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is ProCredit Holding AG stock overvalued right now?
Based on GuruFocus' analysis, ProCredit Holding AG (XTER:PCZ) is currently considered Fairly Valued. The stock's GF Value™ is €8.99, compared to a current price of €8.16 — trading 9.2% below its estimated fair value. The current Pretax Margin % is 25.63%, which is near median its 10-year median of 25.54 and 26.2% below the Banks industry median of 34.72. ProCredit Holding AG's overall GF Score™ is 64/100 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 ProCredit Holding AG (XTER:PCZ), the current Pretax Margin % is 25.63% 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 ProCredit Holding AG (XTER:PCZ) Overvalued in 2026?
Based on GuruFocus' analysis, ProCredit Holding AG stock appears to be undervalued.
The current stock price of €8.16 is trading 9.2% below its estimated GF Value™ of €8.99.
GuruFocus considers ProCredit Holding AG to be Fairly Valued.
Key valuation signals for XTER:PCZ:
Pretax Margin %: 25.63% (near median its 10-year median of 25.54)
GF Value™: €8.99 vs. price of €8.16 (9.2% below fair value)
Industry Position: 26.2% below the Banks median (#1192 of 1528)
No single metric tells the full story. See the XTER:PCZ stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
ProCredit Holding AG provides financial products and services. It performs general banking functions like accepting deposits, providing loans, current and savings accounts, and other banking services. The company's geographical segments are South-Eastern Europe, consisting of seven banks in the following countries: Albania, Bosnia and Herzegovina, Bulgaria (including branch operations in Greece), Kosovo, North Macedonia, Romania, and Serbia; Eastern Europe, with three banks located in the following countries, Georgia, Moldova, and Ukraine; South America, consisting of one bank in Ecuador; and Germany, consisting of the ProCredit Bank in Germany, ProCredit Holding, Quipu and the ProCredit Academy in Furth.
64GF Score
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