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United CreditBOM:531091 -3.63%69 Pretax Margin % is 34.00% as of Mar. 2026, which is 15% below its 10-year median of 40.03. GuruFocus rates BOM:531091 with a GF Score™ of 69/100 and a GF Value™ of ₹27.49 (Fairly Valued). The stock has 5 warning signs investors should review. Among 536 Credit Services companies, United Credit ranks better than 68.47% on this metric.
Pre-Tax margin is calculated as Pre-Tax Income divided by its Revenue. United Credit's Pre-Tax Income for the
three
months ended in Mar. 2026 was ₹2.77 Mil. United Credit's Revenue for the
three
months ended in Mar. 2026 was ₹8.14 Mil. Therefore, United Credit's pretax margin for the quarter that ended in Mar. 2026 was 34.00%.
The historical rank and industry rank for United Credit's Pretax Margin % or its related term are showing as below:
BOM:531091'
s Pretax Margin % Range Over the Past 10 Years
Min: -21391.07 Med: 40.03 Max: 62.09
Current: 35.75
BOM:531091's Pretax Margin % is ranked better than 68.47% of 536
companies
in the Credit Services industry
Industry Median: 20.22
vs BOM:531091: 35.75
United Credit (BOM:531091) 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.
United Credit Pretax Margin % Related Terms
United Credit Pretax Margin % Historical Data
* Premium members only.
The historical data trend for United Credit'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:531091 vs V, MA, AXP: Pretax Margin % Comparison
For the Credit Services subindustry, United Credit'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.
United Credit Pretax Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, United Credit's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where United Credit'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.
United Credit (BOM:531091) has a Pretax Margin % of 34.00% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on United Credit and its competitors. This is 15% below median its historical median of 40.03. According to the industry distribution chart, United Credit ranks #169 out of 536 companies in the Credit Services industry, placing it in the top 31.5%.
Is United Credit's Pretax Margin % too high?
United Credit's current Pretax Margin % of 34.00% is 15% below median its 10-year median of 40.03. The Credit Services industry median Pretax Margin % is 20.22. United Credit's value of 34.00% is 68.2% above this industry median. Based on the distribution chart, United Credit ranks #169 out of 536 companies in the Credit Services industry, which is above the industry midpoint. Overall, United Credit has a GF Score™ of 69/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does United Credit's Pretax Margin % compare to V and MA?
According to the Credit Services industry distribution chart, United Credit ranks #169 out of 536 companies for Pretax Margin %. This puts United Credit in the upper half of its industry. The industry median Pretax Margin % is 20.22. United Credit's value of 34.00% is 68.2% above this benchmark. While the company's 10-year median is 40.03 vs. the industry median of 20.22, United Credit 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 20.22, based on 536 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. United Credit's current Pretax Margin % of 34.00% is 68.2% 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 United Credit and its competitors. For the Credit Services industry, the median Pretax Margin % is 20.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. United Credit's current Pretax Margin % is 34.00%, which is 15% below median its own 10-year median of 40.03. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is United Credit stock overvalued right now?
Based on GuruFocus' analysis, United Credit (BOM:531091) is currently considered Fairly Valued. The stock's GF Value™ is ₹27.49, compared to a current price of ₹26.01 — trading 5.4% below its estimated fair value. The current Pretax Margin % is 34.00%, which is 15% below median its 10-year median of 40.03 and 68.2% above the Credit Services industry median of 20.22. United Credit's overall GF Score™ is 69/100 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 United Credit (BOM:531091), the current Pretax Margin % is 34.00% 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 United Credit (BOM:531091) Overvalued in 2026?
Based on GuruFocus' analysis, United Credit stock appears to be undervalued.
The current stock price of ₹26.01 is trading 5.4% below its estimated GF Value™ of ₹27.49.
GuruFocus considers United Credit to be Fairly Valued.
Key valuation signals for BOM:531091:
Pretax Margin %: 34.00% (15% below median its 10-year median of 40.03)
GF Value™: ₹27.49 vs. price of ₹26.01 (5.4% below fair value)
Industry Position: 68.2% above the Credit Services median (#169 of 536)
No single metric tells the full story. See the BOM:531091 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
United Credit Ltd is an Indian (NBFC) non-banking financial company. The business is engaged in the lease, hire purchase, consumer financing, investment, and capital market operations. The company's operating segments include: Financing activity and Renting activity. The company derives substantial revenue from the Financing Activity.
69GF Score
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Pretax Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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