SG Capital PCLBKK:SGC +2.00%48 Pretax Margin % is 29.79% as of Mar. 2026, which is 18% above its 10-year median of 25.14. GuruFocus rates BKK:SGC with a GF Score™ of 48/100 and a GF Value™ of ฿0.94 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 533 Credit Services companies, SG Capital PCL ranks better than 57.04% on this metric.
The historical rank and industry rank for SG Capital PCL's Pretax Margin % or its related term are showing as below:
BKK:SGC'
s Pretax Margin % Range Over the Past 10 Years
Min: -135.67 Med: 25.14 Max: 41.79
Current: 23.77
BKK:SGC's Pretax Margin % is ranked better than 57.04% of 533
companies
in the Credit Services industry
Industry Median: 20.02
vs BKK:SGC: 23.77
SG Capital PCL (BKK:SGC) 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.
SG Capital PCL Pretax Margin % Related Terms
SG Capital PCL Pretax Margin % Historical Data
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The historical data trend for SG Capital PCL'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, SG Capital PCL'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.
SG Capital PCL Pretax Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, SG Capital PCL's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where SG Capital PCL'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.
SG Capital PCL (BKK:SGC) has a Pretax Margin % of 29.79% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on SG Capital PCL and its competitors. This is 18% above median its historical median of 25.14. According to the industry distribution chart, SG Capital PCL ranks #229 out of 533 companies in the Credit Services industry, placing it in the top 43%.
Is SG Capital PCL's Pretax Margin % too high?
SG Capital PCL's current Pretax Margin % of 29.79% is 18% above median its 10-year median of 25.14. The Credit Services industry median Pretax Margin % is 20.02. SG Capital PCL's value of 29.79% is 48.8% above this industry median. Based on the distribution chart, SG Capital PCL ranks #229 out of 533 companies in the Credit Services industry, which is above the industry midpoint. Overall, SG Capital PCL has a GF Score™ of 48/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does SG Capital PCL's Pretax Margin % compare to V and MA?
According to the Credit Services industry distribution chart, SG Capital PCL ranks #229 out of 533 companies for Pretax Margin %. This puts SG Capital PCL in the upper half of its industry. The industry median Pretax Margin % is 20.02. SG Capital PCL's value of 29.79% is 48.8% above this benchmark. While the company's 10-year median is 25.14 vs. the industry median of 20.02, SG Capital PCL 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 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. SG Capital PCL's current Pretax Margin % of 29.79% is 48.8% 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 SG Capital PCL 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. SG Capital PCL's current Pretax Margin % is 29.79%, which is 18% above median its own 10-year median of 25.14. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SG Capital PCL stock overvalued right now?
Based on GuruFocus' analysis, SG Capital PCL (BKK:SGC) is currently considered Significantly Overvalued. The stock's GF Value™ is ฿0.94, compared to a current price of ฿1.53 — trading 62.8% above its estimated fair value. The current Pretax Margin % is 29.79%, which is 18% above median its 10-year median of 25.14 and 48.8% above the Credit Services industry median of 20.02. SG Capital PCL's overall GF Score™ is 48/100 with 7 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 SG Capital PCL (BKK:SGC), the current Pretax Margin % is 29.79% 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 SG Capital PCL (BKK:SGC) Overvalued in 2026?
Based on GuruFocus' analysis, SG Capital PCL stock appears to be overvalued.
The current stock price of ฿1.53 is trading 62.8% above its estimated GF Value™ of ฿0.94.
GuruFocus considers SG Capital PCL to be Significantly Overvalued.
Key valuation signals for BKK:SGC:
Pretax Margin %: 29.79% (18% above median its 10-year median of 25.14)
GF Value™: ฿0.94 vs. price of ฿1.53 (62.8% above fair value)
Industry Position: 48.8% above the Credit Services median (#229 of 533)
No single metric tells the full story. See the BKK:SGC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
SG Capital PCL is engaged in providing financial services to non-financial institutions. It involves sales by hire purchase contracts of electrical appliances, commercial product, mobile phones and vehicles, and loan receivables and others. The company offers various services such as hire-purchase of electrical appliances and household appliances, commercial appliances and machinery (Captive Finance); and loans with vehicle registration as collateral (trucks, passenger cars, commercial vehicles), debt consolidation welfare loans, and gold installment loans (Click2Gold) under the name SG Capital. The Company is managed and operates principally in Thailand.
48GF Score
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