Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Available FinanceBOM:531310 +1.20%72 Pretax Margin % is 56.73% as of Mar. 2026, which is 7% above its 10-year median of 52.98. GuruFocus rates BOM:531310 with a GF Score™ of 72/100 and a GF Value™ of ₹200.97 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 534 Credit Services companies, Available Finance ranks better than 81.27% on this metric.
The historical rank and industry rank for Available Finance's Pretax Margin % or its related term are showing as below:
BOM:531310'
s Pretax Margin % Range Over the Past 10 Years
Min: -147.08 Med: 52.98 Max: 89.4
Current: 51.45
BOM:531310's Pretax Margin % is ranked better than 81.27% of 534
companies
in the Credit Services industry
Industry Median: 20.22
vs BOM:531310: 51.45
Available Finance (BOM:531310) 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.
Available Finance Pretax Margin % Related Terms
Available Finance Pretax Margin % Historical Data
* Premium members only.
The historical data trend for Available 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:531310 vs V, MA, AXP: Pretax Margin % Comparison
For the Credit Services subindustry, Available 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.
Available Finance Pretax Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Available Finance's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Available 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.
Available Finance (BOM:531310) has a Pretax Margin % of 56.73% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Available Finance and its competitors. This is near median its historical median of 52.98. According to the industry distribution chart, Available Finance ranks #100 out of 534 companies in the Credit Services industry, placing it in the top 18.7%.
Is Available Finance's Pretax Margin % too high?
Available Finance's current Pretax Margin % of 56.73% is near median its 10-year median of 52.98. The Credit Services industry median Pretax Margin % is 20.22. Available Finance's value of 56.73% is 180.6% above this industry median. Based on the distribution chart, Available Finance ranks #100 out of 534 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Available Finance has a GF Score™ of 72/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Available Finance's Pretax Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Available Finance ranks #100 out of 534 companies for Pretax Margin %. This places Available Finance in the top 19% of its industry — outperforming the majority of peers. The industry median Pretax Margin % is 20.22. Available Finance's value of 56.73% is 180.6% above this benchmark. While the company's 10-year median is 52.98 vs. the industry median of 20.22, Available 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 20.22, based on 534 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. Available Finance's current Pretax Margin % of 56.73% is 180.6% 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 Available Finance 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. Available Finance's current Pretax Margin % is 56.73%, which is near median its own 10-year median of 52.98. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Available Finance stock overvalued right now?
Based on GuruFocus' analysis, Available Finance (BOM:531310) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹200.97, compared to a current price of ₹152.20 — trading 24.3% below its estimated fair value. The current Pretax Margin % is 56.73%, which is near median its 10-year median of 52.98 and 180.6% above the Credit Services industry median of 20.22. Available Finance's overall GF Score™ is 72/100 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 Available Finance (BOM:531310), the current Pretax Margin % is 56.73% 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 Available Finance (BOM:531310) Overvalued in 2026?
Based on GuruFocus' analysis, Available Finance stock appears to be undervalued.
The current stock price of ₹152.20 is trading 24.3% below its estimated GF Value™ of ₹200.97.
GuruFocus considers Available Finance to be Modestly Undervalued.
Key valuation signals for BOM:531310:
Pretax Margin %: 56.73% (near median its 10-year median of 52.98)
GF Value™: ₹200.97 vs. price of ₹152.20 (24.3% below fair value)
Industry Position: 180.6% above the Credit Services median (#100 of 534)
No single metric tells the full story. See the BOM:531310 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Available Finance Ltd operates as a non-banking financial company focused on lending and investment services. The company offers finance for acquiring, holding, selling, and buying shares, stocks, debentures, bonds, mortgages, and other securities. While the company was registered under the Reserve Bank of India as a non-banking finance company, it has since transitioned to functioning as an unregistered core investment company as per RBI guidelines. Its revenue comes from lending, investment activities, and leasing services. The company serves its clients mainly through its presence in Indore and across India.
72GF Score
Get the complete analysis for BOM:531310
Pretax Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
BOM:531310 has been successfully added to your 
