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Nalin Lease FinanceBOM:531212 +2.01%68 Pretax Margin % is 71.73% as of Jun. 2026, which is 15% above its 10-year median of 62.57. GuruFocus rates BOM:531212 with a GF Score™ of 68/100 and a GF Value™ of ₹52.56 (Modestly Undervalued). The stock has 6 warning signs investors should review. Among 535 Credit Services companies, Nalin Lease Finance ranks better than 85.42% 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.
Nalin Lease Finance Pretax Margin % Related Terms
Nalin Lease Finance Pretax Margin % Historical Data
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The historical data trend for Nalin Lease 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:531212 vs V, MA, AXP: Pretax Margin % Comparison
For the Credit Services subindustry, Nalin Lease 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.
Nalin Lease Finance Pretax Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Nalin Lease Finance's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Nalin Lease 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.
Nalin Lease Finance (BOM:531212) has a Pretax Margin % of 71.73% as of Jun. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Nalin Lease Finance and its competitors. This is 15% above median its historical median of 62.57. Over the past decade, Nalin Lease Finance's Pretax Margin % has ranged from 39.98 to 83.24. According to the industry distribution chart, Nalin Lease Finance ranks #78 out of 535 companies in the Credit Services industry, placing it in the top 14.6%.
Is Nalin Lease Finance's Pretax Margin % too high?
Nalin Lease Finance's current Pretax Margin % of 71.73% is 15% above median its 10-year median of 62.57. Over the past 10 years, this metric has ranged from a low of 39.98 to a high of 83.24. The Credit Services industry median Pretax Margin % is 20.19. Nalin Lease Finance's value of 71.73% is 255.3% above this industry median. Based on the distribution chart, Nalin Lease Finance ranks #78 out of 535 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Nalin Lease Finance has a GF Score™ of 68/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Nalin Lease Finance's Pretax Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Nalin Lease Finance ranks #78 out of 535 companies for Pretax Margin %. This places Nalin Lease Finance in the top 15% of its industry — outperforming the majority of peers. The industry median Pretax Margin % is 20.19. Nalin Lease Finance's value of 71.73% is 255.3% above this benchmark. Historically, Nalin Lease Finance's own Pretax Margin % has ranged from 39.98 to 83.24 over the past decade. While the company's 10-year median is 62.57 vs. the industry median of 20.19, Nalin Lease 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 20.19, based on 535 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. Nalin Lease Finance's current Pretax Margin % of 71.73% is 255.3% 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 Nalin Lease Finance and its competitors. For the Credit Services industry, the median Pretax Margin % is 20.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Nalin Lease Finance's current Pretax Margin % is 71.73%, which is 15% above median its own 10-year median of 62.57. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Nalin Lease Finance stock overvalued right now?
Based on GuruFocus' analysis, Nalin Lease Finance (BOM:531212) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹52.56, compared to a current price of ₹40.16 — trading 23.6% below its estimated fair value. The current Pretax Margin % is 71.73%, which is 15% above median its 10-year median of 62.57 and 255.3% above the Credit Services industry median of 20.19. Nalin Lease Finance's overall GF Score™ is 68/100 with 6 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 Nalin Lease Finance (BOM:531212), the current Pretax Margin % is 71.73% as of Jun. 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 Nalin Lease Finance (BOM:531212) Overvalued in 2026?
Based on GuruFocus' analysis, Nalin Lease Finance stock appears to be undervalued.
The current stock price of ₹40.16 is trading 23.6% below its estimated GF Value™ of ₹52.56.
GuruFocus considers Nalin Lease Finance to be Modestly Undervalued.
Key valuation signals for BOM:531212:
Pretax Margin %: 71.73% (15% above median its 10-year median of 62.57)
GF Value™: ₹52.56 vs. price of ₹40.16 (23.6% below fair value)
Industry Position: 255.3% above the Credit Services median (#78 of 535)
No single metric tells the full story. See the BOM:531212 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Nalin Lease Finance Ltd is engaged in providing a wide range of fund-based services, including vehicle loans, lease finance, hire purchase, business loans, and many more. It is also engaged in the gold loan business, offering loans against gold ornaments. The company operates under a single segment, financial services.
68GF Score
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