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.
Credit Intelligence Pretax Margin % Related Terms
Credit Intelligence Pretax Margin % Historical Data
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The historical data trend for Credit Intelligence'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.
ASX:CI1 vs CTAS, CPRT, GPN: Pretax Margin % Comparison
For the Specialty Business Services subindustry, Credit Intelligence'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.
Credit Intelligence Pretax Margin % vs Business Services Industry
For the Business Services industry and Industrials sector, Credit Intelligence's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Credit Intelligence'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.
Credit Intelligence (ASX:CI1) has a Pretax Margin % of 31.94% as of Jun. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Credit Intelligence and its competitors. This is 693% above median its historical median of 4.03.
Is Credit Intelligence's Pretax Margin % too high?
Credit Intelligence's current Pretax Margin % of 31.94% is 693% above median its 10-year median of 4.03. The Business Services industry median Pretax Margin % is 5.33. Credit Intelligence's value of 31.94% is 499.8% above this industry median. Overall, Credit Intelligence has a GF Score™ of 43/100, reflecting its overall financial health beyond just this single metric.
How does Credit Intelligence's Pretax Margin % compare to CTAS and CPRT?
Credit Intelligence's Pretax Margin % of 31.94% can be compared against companies in the Business Services industry. The industry median Pretax Margin % is 5.33. Credit Intelligence's value of 31.94% is 499.8% above this benchmark. While the company's 10-year median is 4.03 vs. the industry median of 5.33, Credit Intelligence 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 a Business Services company?
The median Pretax Margin % among Business Services companies is 5.33, based on 1,074 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. Credit Intelligence's current Pretax Margin % of 31.94% is 499.8% 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 Credit Intelligence and its competitors. For the Business Services industry, the median Pretax Margin % is 5.33 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Credit Intelligence's current Pretax Margin % is 31.94%, which is 693% above median its own 10-year median of 4.03. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Credit Intelligence stock overvalued right now?
Credit Intelligence (ASX:CI1) has a current Pretax Margin % of 31.94%. The stock's GF Value™ is A$0.17, compared to a current price of A$0.11 — trading 35.3% below its estimated fair value. The current Pretax Margin % is 31.94%, which is 693% above median its 10-year median of 4.03 and 499.8% above the Business Services industry median of 5.33. Credit Intelligence's overall GF Score™ is 43/100 with 6 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 Credit Intelligence (ASX:CI1), the current Pretax Margin % is 31.94% as of Jun. 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 Credit Intelligence (ASX:CI1) Overvalued in 2026?
Based on GuruFocus' analysis, Credit Intelligence stock appears to be undervalued.
The current stock price of A$0.11 is trading 35.3% below its estimated GF Value™ of A$0.17.
Key valuation signals for ASX:CI1:
Pretax Margin %: 31.94% (693% above median its 10-year median of 4.03)
GF Value™: A$0.17 vs. price of A$0.11 (35.3% below fair value)
Industry Position: 499.8% above the Business Services median
No single metric tells the full story. See the ASX:CI1 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Credit Intelligence Ltd provides financial services in Australia and Singapore. The Group has two reportable segments, namely BNPL finance service and credit financing. It derives the majority of the revenue from the credit financing segment.
43GF Score
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