Shalibhadra FinanceBOM:511754 -0.29%62 Pretax Margin % is 64.18% as of Mar. 2026, which is 56% above its 10-year median of 41.16. GuruFocus rates BOM:511754 with a GF Score™ of 62/100 and a GF Value™ of ₹144.39 (Possible Value Trap). The stock has 4 warning signs investors should review. Among 533 Credit Services companies, Shalibhadra Finance ranks better than 87.43% 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.
Shalibhadra Finance Pretax Margin % Related Terms
Shalibhadra Finance Pretax Margin % Historical Data
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The historical data trend for Shalibhadra 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:511754 vs V, MA, AXP: Pretax Margin % Comparison
For the Credit Services subindustry, Shalibhadra 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.
Shalibhadra Finance Pretax Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Shalibhadra Finance's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Shalibhadra 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.
Shalibhadra Finance (BOM:511754) has a Pretax Margin % of 64.18% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Shalibhadra Finance and its competitors. This is 56% above median its historical median of 41.16. Over the past decade, Shalibhadra Finance's Pretax Margin % has ranged from 24.21 to 62.34. According to the industry distribution chart, Shalibhadra Finance ranks #67 out of 533 companies in the Credit Services industry, placing it in the top 12.6%.
Is Shalibhadra Finance's Pretax Margin % too high?
Shalibhadra Finance's current Pretax Margin % of 64.18% is 56% above median its 10-year median of 41.16. Over the past 10 years, this metric has ranged from a low of 24.21 to a high of 62.34. The Credit Services industry median Pretax Margin % is 20.02. Shalibhadra Finance's value of 64.18% is 220.6% above this industry median. Based on the distribution chart, Shalibhadra Finance ranks #67 out of 533 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Shalibhadra Finance has a GF Score™ of 62/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Shalibhadra Finance's Pretax Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Shalibhadra Finance ranks #67 out of 533 companies for Pretax Margin %. This places Shalibhadra Finance in the top 13% of its industry — outperforming the majority of peers. The industry median Pretax Margin % is 20.02. Shalibhadra Finance's value of 64.18% is 220.6% above this benchmark. Historically, Shalibhadra Finance's own Pretax Margin % has ranged from 24.21 to 62.34 over the past decade. While the company's 10-year median is 41.16 vs. the industry median of 20.02, Shalibhadra 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 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. Shalibhadra Finance's current Pretax Margin % of 64.18% is 220.6% 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 Shalibhadra Finance 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. Shalibhadra Finance's current Pretax Margin % is 64.18%, which is 56% above median its own 10-year median of 41.16. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Shalibhadra Finance stock overvalued right now?
Based on GuruFocus' analysis, Shalibhadra Finance (BOM:511754) is currently considered Possible Value Trap. The stock's GF Value™ is ₹144.39, compared to a current price of ₹79.78 — trading 44.7% below its estimated fair value. The current Pretax Margin % is 64.18%, which is 56% above median its 10-year median of 41.16 and 220.6% above the Credit Services industry median of 20.02. Shalibhadra Finance's overall GF Score™ is 62/100 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 Shalibhadra Finance (BOM:511754), the current Pretax Margin % is 64.18% 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 Shalibhadra Finance (BOM:511754) Overvalued in 2026?
Based on GuruFocus' analysis, Shalibhadra Finance stock appears to be undervalued.
The current stock price of ₹79.78 is trading 44.7% below its estimated GF Value™ of ₹144.39.
GuruFocus considers Shalibhadra Finance to be Possible Value Trap.
Key valuation signals for BOM:511754:
Pretax Margin %: 64.18% (56% above median its 10-year median of 41.16)
GF Value™: ₹144.39 vs. price of ₹79.78 (44.7% below fair value)
Industry Position: 220.6% above the Credit Services median (#67 of 533)
No single metric tells the full story. See the BOM:511754 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Shalibhadra Finance Ltd is an Indian asset finance company engaged in financing and investment activities. The firm is focused on rural, semi-urban and other underbanked geographies in Gujarat, Maharashtra and Madhya Pradesh, India. It offers a wide range of customized retail products such as financing two-wheelers, auto rickshaw, cars, and consumer durables.
62GF Score
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