Sahara HousingfinaBOM:511533 +3.24%68 Pretax Margin % is 4.37% as of Mar. 2026, which is 79% below its 10-year median of 20.85. GuruFocus rates BOM:511533 with a GF Score™ of 68/100 and a GF Value™ of ₹35.99 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,530 Banks companies, Sahara Housingfina ranks worse than 93.66% 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.
Sahara Housingfina Pretax Margin % Related Terms
Sahara Housingfina Pretax Margin % Historical Data
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The historical data trend for Sahara Housingfina'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:511533 vs RKT, FNMA, PFSI: Pretax Margin % Comparison
For the Mortgage Finance subindustry, Sahara Housingfina'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.
Sahara Housingfina Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Sahara Housingfina's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Sahara Housingfina'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.
Sahara Housingfina (BOM:511533) has a Pretax Margin % of 4.37% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Sahara Housingfina and its competitors. This is 79% below median its historical median of 20.85. Over the past decade, Sahara Housingfina's Pretax Margin % has ranged from 5.58 to 27.22. According to the industry distribution chart, Sahara Housingfina ranks #1433 out of 1530 companies in the Banks industry, placing it in the top 93.7%.
Is Sahara Housingfina's Pretax Margin % too high?
Sahara Housingfina's current Pretax Margin % of 4.37% is 79% below median its 10-year median of 20.85. Over the past 10 years, this metric has ranged from a low of 5.58 to a high of 27.22. The Banks industry median Pretax Margin % is 34.66. Sahara Housingfina's value of 4.37% is 87.4% below this industry median. Based on the distribution chart, Sahara Housingfina ranks #1433 out of 1530 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Sahara Housingfina has a GF Score™ of 68/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Sahara Housingfina's Pretax Margin % compare to RKT and FNMA?
According to the Banks industry distribution chart, Sahara Housingfina ranks #1433 out of 1530 companies for Pretax Margin %. This places Sahara Housingfina in the lower half of its industry. The industry median Pretax Margin % is 34.66. Sahara Housingfina's value of 4.37% is 87.4% below this benchmark. Historically, Sahara Housingfina's own Pretax Margin % has ranged from 5.58 to 27.22 over the past decade. While the company's 10-year median is 20.85 vs. the industry median of 34.66, Sahara Housingfina 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 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. Sahara Housingfina's current Pretax Margin % of 4.37% is 87.4% 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 Sahara Housingfina 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. Sahara Housingfina's current Pretax Margin % is 4.37%, which is 79% below median its own 10-year median of 20.85. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sahara Housingfina stock overvalued right now?
Based on GuruFocus' analysis, Sahara Housingfina (BOM:511533) is currently considered Modestly Overvalued. The stock's GF Value™ is ₹35.99, compared to a current price of ₹41.43 — trading 15.1% above its estimated fair value. The current Pretax Margin % is 4.37%, which is 79% below median its 10-year median of 20.85 and 87.4% below the Banks industry median of 34.66. Sahara Housingfina's overall GF Score™ is 68/100 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 Sahara Housingfina (BOM:511533), the current Pretax Margin % is 4.37% 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 Sahara Housingfina (BOM:511533) Overvalued in 2026?
Based on GuruFocus' analysis, Sahara Housingfina stock appears to be overvalued.
The current stock price of ₹41.43 is trading 15.1% above its estimated GF Value™ of ₹35.99.
GuruFocus considers Sahara Housingfina to be Modestly Overvalued.
Key valuation signals for BOM:511533:
Pretax Margin %: 4.37% (79% below median its 10-year median of 20.85)
GF Value™: ₹35.99 vs. price of ₹41.43 (15.1% above fair value)
Industry Position: 87.4% below the Banks median (#1433 of 1530)
No single metric tells the full story. See the BOM:511533 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Sahara Housingfina Corp Ltd is an Indian company engaged in carrying out activities of housing finance companies (Housing Loans and Non-Housing Loans). Its product portfolio includes Individual Housing Loans, Home Improvement Loans, Home Extension loans, Land Loans, Home Loan Plus, Mortgage Loans, Non-Residential Property Loans, Home Loan Enhancement, and Loan Take Over / Balance Transfer. The company is exclusively engaged in the Housing Finance business, and revenues are mainly derived from this activity. The company generates the majority of its revenue from Interest Income.
68GF Score
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