EarlyPayASX:EPY -4.00%28 Pretax Margin % is 0.57% as of Dec. 2025, which is 96% below its 10-year median of 13.30. GuruFocus rates ASX:EPY with a GF Score™ of 28/100 and a GF Value™ of A$0.45 (Possible Value Trap). The stock has 4 warning signs investors should review. Among 534 Credit Services companies, EarlyPay ranks worse than 68.91% on this metric.
Pre-Tax margin is calculated as Pre-Tax Income divided by its Revenue. EarlyPay's Pre-Tax Income for the
six
months ended in Dec. 2025 was A$0.11 Mil. EarlyPay's Revenue for the
six
months ended in Dec. 2025 was A$18.73 Mil. Therefore, EarlyPay's pretax margin for the quarter that ended in Dec. 2025 was 0.57%.
The historical rank and industry rank for EarlyPay's Pretax Margin % or its related term are showing as below:
ASX:EPY'
s Pretax Margin % Range Over the Past 10 Years
Min: -40.62 Med: 13.3 Max: 58.9
Current: 7.86
ASX:EPY's Pretax Margin % is ranked worse than 68.91% of 534
companies
in the Credit Services industry
Industry Median: 19.865
vs ASX:EPY: 7.86
EarlyPay (ASX:EPY) 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.
EarlyPay Pretax Margin % Related Terms
EarlyPay Pretax Margin % Historical Data
* Premium members only.
The historical data trend for EarlyPay'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.
For the Credit Services subindustry, EarlyPay'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.
EarlyPay Pretax Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, EarlyPay's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where EarlyPay'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.
EarlyPay (ASX:EPY) has a Pretax Margin % of 0.57% as of Dec. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on EarlyPay and its competitors. This is 96% below median its historical median of 13.30. According to the industry distribution chart, EarlyPay ranks #368 out of 534 companies in the Credit Services industry, placing it in the top 68.9%.
Is EarlyPay's Pretax Margin % too high?
EarlyPay's current Pretax Margin % of 0.57% is 96% below median its 10-year median of 13.30. The Credit Services industry median Pretax Margin % is 19.87. EarlyPay's value of 0.57% is 97.1% below this industry median. Based on the distribution chart, EarlyPay ranks #368 out of 534 companies in the Credit Services industry, which is below the industry midpoint. Overall, EarlyPay has a GF Score™ of 28/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does EarlyPay's Pretax Margin % compare to V and MA?
According to the Credit Services industry distribution chart, EarlyPay ranks #368 out of 534 companies for Pretax Margin %. This places EarlyPay in the lower half of its industry. The industry median Pretax Margin % is 19.87. EarlyPay's value of 0.57% is 97.1% below this benchmark. While the company's 10-year median is 13.30 vs. the industry median of 19.87, EarlyPay 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 19.87, based on 534 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. EarlyPay's current Pretax Margin % of 0.57% is 97.1% 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 EarlyPay and its competitors. For the Credit Services industry, the median Pretax Margin % is 19.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. EarlyPay's current Pretax Margin % is 0.57%, which is 96% below median its own 10-year median of 13.30. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is EarlyPay stock overvalued right now?
Based on GuruFocus' analysis, EarlyPay (ASX:EPY) is currently considered Possible Value Trap. The stock's GF Value™ is A$0.45, compared to a current price of A$0.12 — trading 73.3% below its estimated fair value. The current Pretax Margin % is 0.57%, which is 96% below median its 10-year median of 13.30 and 97.1% below the Credit Services industry median of 19.87. EarlyPay's overall GF Score™ is 28/100 with 4 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 EarlyPay (ASX:EPY), the current Pretax Margin % is 0.57% 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 EarlyPay (ASX:EPY) Overvalued in 2026?
Based on GuruFocus' analysis, EarlyPay stock appears to be undervalued.
The current stock price of A$0.12 is trading 73.3% below its estimated GF Value™ of A$0.45.
GuruFocus considers EarlyPay to be Possible Value Trap.
Key valuation signals for ASX:EPY:
Pretax Margin %: 0.57% (96% below median its 10-year median of 13.30)
GF Value™: A$0.45 vs. price of A$0.12 (73.3% below fair value)
Industry Position: 97.1% below the Credit Services median (#368 of 534)
No single metric tells the full story. See the ASX:EPY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
EarlyPay Ltd is engaged in providing tailored financing solutions to businesses of all shapes and sizes. It is a line of credit financing for businesses in Australia. It is involved in various business activities namely Invoice Finance, and Equipment Finance. It generates the majority of its revenue from the Invoice finance segment.
28GF Score
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