LIC Housing FinanceBOM:500253 +1.87%77 Pretax Margin % is 81.85% as of Mar. 2026, which is 12% above its 10-year median of 72.78. GuruFocus rates BOM:500253 with a GF Score™ of 77/100 and a GF Value™ of ₹608.54 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 1,530 Banks companies, LIC Housing Finance ranks better than 98.5% on this metric.
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.
LIC Housing Finance Pretax Margin % Related Terms
LIC Housing Finance Pretax Margin % Historical Data
* Premium members only.
The historical data trend for LIC Housing Finance'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.
BOM:500253 vs RKT, FNMA, PFSI: Pretax Margin % Comparison
For the Mortgage Finance subindustry, LIC Housing Finance'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.
LIC Housing Finance Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, LIC Housing Finance's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where LIC Housing Finance'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.
LIC Housing Finance (BOM:500253) has a Pretax Margin % of 81.85% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on LIC Housing Finance and its competitors. This is 12% above median its historical median of 72.78. Over the past decade, LIC Housing Finance's Pretax Margin % has ranged from 49.19 to 81.60. According to the industry distribution chart, LIC Housing Finance ranks #23 out of 1530 companies in the Banks industry, placing it in the top 1.5%.
Is LIC Housing Finance's Pretax Margin % too high?
LIC Housing Finance's current Pretax Margin % of 81.85% is 12% above median its 10-year median of 72.78. Over the past 10 years, this metric has ranged from a low of 49.19 to a high of 81.60. The Banks industry median Pretax Margin % is 34.66. LIC Housing Finance's value of 81.85% is 136.2% above this industry median. Based on the distribution chart, LIC Housing Finance ranks #23 out of 1530 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, LIC Housing Finance has a GF Score™ of 77/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does LIC Housing Finance's Pretax Margin % compare to RKT and FNMA?
According to the Banks industry distribution chart, LIC Housing Finance ranks #23 out of 1530 companies for Pretax Margin %. This places LIC Housing Finance in the top 2% of its industry — outperforming the majority of peers. The industry median Pretax Margin % is 34.66. LIC Housing Finance's value of 81.85% is 136.2% above this benchmark. Historically, LIC Housing Finance's own Pretax Margin % has ranged from 49.19 to 81.60 over the past decade. While the company's 10-year median is 72.78 vs. the industry median of 34.66, LIC Housing Finance 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 Banks company?
The median Pretax Margin % among Banks companies is 34.66, based on 1,530 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. LIC Housing Finance's current Pretax Margin % of 81.85% is 136.2% 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 LIC Housing Finance and its competitors. For the Banks industry, the median Pretax Margin % is 34.66 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. LIC Housing Finance's current Pretax Margin % is 81.85%, which is 12% above median its own 10-year median of 72.78. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is LIC Housing Finance stock overvalued right now?
Based on GuruFocus' analysis, LIC Housing Finance (BOM:500253) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹608.54, compared to a current price of ₹549.90 — trading 9.6% below its estimated fair value. The current Pretax Margin % is 81.85%, which is 12% above median its 10-year median of 72.78 and 136.2% above the Banks industry median of 34.66. LIC Housing Finance's overall GF Score™ is 77/100 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 LIC Housing Finance (BOM:500253), the current Pretax Margin % is 81.85% 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 LIC Housing Finance (BOM:500253) Overvalued in 2026?
Based on GuruFocus' analysis, LIC Housing Finance stock appears to be undervalued.
The current stock price of ₹549.90 is trading 9.6% below its estimated GF Value™ of ₹608.54.
GuruFocus considers LIC Housing Finance to be Modestly Undervalued.
Key valuation signals for BOM:500253:
Pretax Margin %: 81.85% (12% above median its 10-year median of 72.78)
GF Value™: ₹608.54 vs. price of ₹549.90 (9.6% below fair value)
Industry Position: 136.2% above the Banks median (#23 of 1530)
No single metric tells the full story. See the BOM:500253 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
LIC Housing Finance Ltd is a housing finance company that provides loans in India. Its main objective is to provides long-term finance to individuals for the purchase or construction of houses/flats for residential purposes. also provides finance on existing property for business/ personal needs and also gives loans to professionals for the purchase/ construction of clinics, nursing homes, diagnostic centres, office spaces, and equipment. The company also provides finance to builders and developers engaged in the business of construction of houses or flats for residential purposes and to be sold by them.
77GF Score
Get the complete analysis for BOM:500253
Pretax Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
BOM:500253 has been successfully added to your 
