AEON Financial Service CoAEOJF 72 Pretax Margin % is 14.32% as of Feb. 2026, which is 13% below its 10-year median of 16.37. GuruFocus rates AEOJF with a GF Score™ of 72/100 and a GF Value™ of $9.49. The stock has 2 warning signs investors should review. Among 533 Credit Services companies, AEON Financial Service Co ranks worse than 65.29% on this metric.
The historical rank and industry rank for AEON Financial Service Co's Pretax Margin % or its related term are showing as below:
AEOJF'
s Pretax Margin % Range Over the Past 10 Years
Min: 10.02 Med: 16.37 Max: 18.89
Current: 10.35
AEOJF's Pretax Margin % is ranked worse than 65.29% of 533
companies
in the Credit Services industry
Industry Median: 20.02
vs AEOJF: 10.35
AEON Financial Service Co (OTCPK:AEOJF) 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.
AEON Financial Service Co Pretax Margin % Related Terms
AEON Financial Service Co Pretax Margin % Historical Data
* 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.
For the Credit Services subindustry, AEON Financial Service Co'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.
AEON Financial Service Co Pretax Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, AEON Financial Service Co's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where AEON Financial Service Co'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.
AEON Financial Service Co (AEOJF) has a Pretax Margin % of 14.32% as of Feb. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on AEON Financial Service Co and its competitors. This is 13% below median its historical median of 16.37. Over the past decade, AEON Financial Service Co's Pretax Margin % has ranged from 10.02 to 18.89. According to the industry distribution chart, AEON Financial Service Co ranks #348 out of 533 companies in the Credit Services industry, placing it in the top 65.3%.
Is AEON Financial Service Co's Pretax Margin % too high?
AEON Financial Service Co's current Pretax Margin % of 14.32% is 13% below median its 10-year median of 16.37. Over the past 10 years, this metric has ranged from a low of 10.02 to a high of 18.89. The Credit Services industry median Pretax Margin % is 20.02. AEON Financial Service Co's value of 14.32% is 28.5% below this industry median. Based on the distribution chart, AEON Financial Service Co ranks #348 out of 533 companies in the Credit Services industry, which is below the industry midpoint. Overall, AEON Financial Service Co has a GF Score™ of 72/100, reflecting its overall financial health beyond just this single metric.
How does AEON Financial Service Co's Pretax Margin % compare to V and MA?
According to the Credit Services industry distribution chart, AEON Financial Service Co ranks #348 out of 533 companies for Pretax Margin %. This places AEON Financial Service Co in the lower half of its industry. The industry median Pretax Margin % is 20.02. AEON Financial Service Co's value of 14.32% is 28.5% below this benchmark. Historically, AEON Financial Service Co's own Pretax Margin % has ranged from 10.02 to 18.89 over the past decade. While the company's 10-year median is 16.37 vs. the industry median of 20.02, AEON Financial Service Co 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 Credit Services company?
The median Pretax Margin % among Credit Services companies is 20.02, based on 533 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. AEON Financial Service Co's current Pretax Margin % of 14.32% is 28.5% 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 AEON Financial Service Co and its competitors. For the Credit Services industry, the median Pretax Margin % is 20.02 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AEON Financial Service Co's current Pretax Margin % is 14.32%, which is 13% below median its own 10-year median of 16.37. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is AEON Financial Service Co stock overvalued right now?
AEON Financial Service Co (AEOJF) has a current Pretax Margin % of 14.32%. The stock's GF Value™ is $9.49, compared to a current price of $8.57 — trading 9.7% below its estimated fair value. The current Pretax Margin % is 14.32%, which is 13% below median its 10-year median of 16.37 and 28.5% below the Credit Services industry median of 20.02. AEON Financial Service Co's overall GF Score™ is 72/100 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 AEON Financial Service Co (AEOJF), the current Pretax Margin % is 14.32% as of Feb. 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 AEON Financial Service Co (AEOJF) Overvalued in 2026?
Based on GuruFocus' analysis, AEON Financial Service Co stock appears to be undervalued.
The current stock price of $8.57 is trading 9.7% below its estimated GF Value™ of $9.49.
Key valuation signals for AEOJF:
Pretax Margin %: 14.32% (13% below median its 10-year median of 16.37)
GF Value™: $9.49 vs. price of $8.57 (9.7% below fair value)
Industry Position: 28.5% below the Credit Services median (#348 of 533)
No single metric tells the full story. See the AEOJF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
AEON Financial Service Co Ltd is a comprehensive financial group consisting of a bank holding company and its subsidiaries, which grew out of Aeon Group's retail operations. It currently operates a network of hundreds of sales bases throughout Asia, particularly in Japan, China, Thailand, and Malaysia. The bank provides various financial services, payment services, housing loans, deposits, installment sales, and overseas services to customers through points of sale closely linked to community lifestyles. These include shopping centers and retail malls, convenience stores, and specialty stores, among others. Net fee and commission income is the company's main source of net revenue.
72GF Score
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