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India Home LoanBOM:530979 +1.63%59 Pretax Margin % is 0.91% as of Mar. 2026, which is 87% below its 10-year median of 6.97. GuruFocus rates BOM:530979 with a GF Score™ of 59/100 and a GF Value™ of ₹35.40 (Modestly Undervalued). The stock has 5 warning signs investors should review. Among 1,526 Banks companies, India Home Loan ranks worse than 95.67% on this metric.
The historical rank and industry rank for India Home Loan's Pretax Margin % or its related term are showing as below:
BOM:530979'
s Pretax Margin % Range Over the Past 10 Years
Min: -28.28 Med: 6.97 Max: 25.37
Current: 1.17
BOM:530979's Pretax Margin % is ranked worse than 95.67% of 1526
companies
in the Banks industry
Industry Median: 35.25
vs BOM:530979: 1.17
India Home Loan (BOM:530979) 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.
India Home Loan Pretax Margin % Related Terms
India Home Loan Pretax Margin % Historical Data
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The historical data trend for India Home Loan'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:530979 vs RKT, FNMA, PFSI: Pretax Margin % Comparison
For the Mortgage Finance subindustry, India Home Loan'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.
India Home Loan Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, India Home Loan's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where India Home Loan'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.
India Home Loan (BOM:530979) has a Pretax Margin % of 0.91% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on India Home Loan and its competitors. This is 87% below median its historical median of 6.97. According to the industry distribution chart, India Home Loan ranks #1460 out of 1526 companies in the Banks industry, placing it in the top 95.7%.
Is India Home Loan's Pretax Margin % too high?
India Home Loan's current Pretax Margin % of 0.91% is 87% below median its 10-year median of 6.97. The Banks industry median Pretax Margin % is 35.25. India Home Loan's value of 0.91% is 97.4% below this industry median. Based on the distribution chart, India Home Loan ranks #1460 out of 1526 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, India Home Loan has a GF Score™ of 59/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does India Home Loan's Pretax Margin % compare to RKT and FNMA?
According to the Banks industry distribution chart, India Home Loan ranks #1460 out of 1526 companies for Pretax Margin %. This places India Home Loan in the lower half of its industry. The industry median Pretax Margin % is 35.25. India Home Loan's value of 0.91% is 97.4% below this benchmark. While the company's 10-year median is 6.97 vs. the industry median of 35.25, India Home Loan 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 35.25, based on 1,526 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. India Home Loan's current Pretax Margin % of 0.91% is 97.4% 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 India Home Loan and its competitors. For the Banks industry, the median Pretax Margin % is 35.25 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. India Home Loan's current Pretax Margin % is 0.91%, which is 87% below median its own 10-year median of 6.97. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is India Home Loan stock overvalued right now?
Based on GuruFocus' analysis, India Home Loan (BOM:530979) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹35.40, compared to a current price of ₹30.50 — trading 13.8% below its estimated fair value. The current Pretax Margin % is 0.91%, which is 87% below median its 10-year median of 6.97 and 97.4% below the Banks industry median of 35.25. India Home Loan's overall GF Score™ is 59/100 with 5 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 India Home Loan (BOM:530979), the current Pretax Margin % is 0.91% 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 India Home Loan (BOM:530979) Overvalued in 2026?
Based on GuruFocus' analysis, India Home Loan stock appears to be undervalued.
The current stock price of ₹30.50 is trading 13.8% below its estimated GF Value™ of ₹35.40.
GuruFocus considers India Home Loan to be Modestly Undervalued.
Key valuation signals for BOM:530979:
Pretax Margin %: 0.91% (87% below median its 10-year median of 6.97)
GF Value™: ₹35.40 vs. price of ₹30.50 (13.8% below fair value)
Industry Position: 97.4% below the Banks median (#1460 of 1526)
No single metric tells the full story. See the BOM:530979 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
India Home Loan Ltd is a Non-deposit accepting Housing Finance Company. The company offers retail home loan products for affordable housing segments. Under this product, loans are offered to the customers for Purchase of home, home improvement, home extension and for construction of a dwelling unit on an owned plot of land. It specializes on loans to families in the self-employed category where formal income proofs aren't easily available and their repayment capacity is appraised based on their cash flows.
59GF Score
Get the complete analysis for BOM:530979
Pretax Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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