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Bajaj FinservBOM:532978 -2.21%80 Pretax Margin % is 20.69% as of Mar. 2026, which is 4% above its 10-year median of 19.99. GuruFocus rates BOM:532978 with a GF Score™ of 80/100 and a GF Value™ of ₹2,499.86 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 110 Diversified Financial Services companies, Bajaj Finserv ranks better than 62.73% on this metric.
Pre-Tax margin is calculated as Pre-Tax Income divided by its Revenue. Bajaj Finserv's Pre-Tax Income for the
three
months ended in Mar. 2026 was ₹69,281 Mil. Bajaj Finserv's Revenue for the
three
months ended in Mar. 2026 was ₹334,826 Mil. Therefore, Bajaj Finserv's pretax margin for the quarter that ended in Mar. 2026 was 20.69%.
The historical rank and industry rank for Bajaj Finserv's Pretax Margin % or its related term are showing as below:
BOM:532978'
s Pretax Margin % Range Over the Past 10 Years
Min: 16.78 Med: 19.99 Max: 22.77
Current: 21.02
BOM:532978's Pretax Margin % is ranked better than 62.73% of 110
companies
in the Diversified Financial Services industry
Industry Median: 11.115
vs BOM:532978: 21.02
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.
Bajaj Finserv Pretax Margin % Related Terms
Bajaj Finserv Pretax Margin % Historical Data
* Premium members only.
The historical data trend for Bajaj Finserv'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:532978 vs VOYA, FRHC: Pretax Margin % Comparison
For the Financial Conglomerates subindustry, Bajaj Finserv'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.
Bajaj Finserv Pretax Margin % vs Diversified Financial Services Industry
For the Diversified Financial Services industry and Financial Services sector, Bajaj Finserv's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Bajaj Finserv'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.
Bajaj Finserv (BOM:532978) has a Pretax Margin % of 20.69% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Bajaj Finserv and its competitors. This is near median its historical median of 19.99. Over the past decade, Bajaj Finserv's Pretax Margin % has ranged from 16.78 to 22.77. According to the industry distribution chart, Bajaj Finserv ranks #41 out of 110 companies in the Diversified Financial Services industry, placing it in the top 37.3%.
Is Bajaj Finserv's Pretax Margin % too high?
Bajaj Finserv's current Pretax Margin % of 20.69% is near median its 10-year median of 19.99. Over the past 10 years, this metric has ranged from a low of 16.78 to a high of 22.77. The Diversified Financial Services industry median Pretax Margin % is 11.12. Bajaj Finserv's value of 20.69% is 86.1% above this industry median. Based on the distribution chart, Bajaj Finserv ranks #41 out of 110 companies in the Diversified Financial Services industry, which is above the industry midpoint. Overall, Bajaj Finserv has a GF Score™ of 80/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Bajaj Finserv's Pretax Margin % compare to VOYA and FRHC?
According to the Diversified Financial Services industry distribution chart, Bajaj Finserv ranks #41 out of 110 companies for Pretax Margin %. This puts Bajaj Finserv in the upper half of its industry. The industry median Pretax Margin % is 11.12. Bajaj Finserv's value of 20.69% is 86.1% above this benchmark. Historically, Bajaj Finserv's own Pretax Margin % has ranged from 16.78 to 22.77 over the past decade. While the company's 10-year median is 19.99 vs. the industry median of 11.12, Bajaj Finserv 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 Diversified Financial Services company?
The median Pretax Margin % among Diversified Financial Services companies is 11.12, based on 110 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. Bajaj Finserv's current Pretax Margin % of 20.69% is 86.1% 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 Bajaj Finserv and its competitors. For the Diversified Financial Services industry, the median Pretax Margin % is 11.12 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bajaj Finserv's current Pretax Margin % is 20.69%, which is near median its own 10-year median of 19.99. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bajaj Finserv stock overvalued right now?
Based on GuruFocus' analysis, Bajaj Finserv (BOM:532978) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹2,499.86, compared to a current price of ₹1,868.25 — trading 25.3% below its estimated fair value. The current Pretax Margin % is 20.69%, which is near median its 10-year median of 19.99 and 86.1% above the Diversified Financial Services industry median of 11.12. Bajaj Finserv's overall GF Score™ is 80/100 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 Bajaj Finserv (BOM:532978), the current Pretax Margin % is 20.69% 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 Bajaj Finserv (BOM:532978) Overvalued in 2026?
Based on GuruFocus' analysis, Bajaj Finserv stock appears to be undervalued.
The current stock price of ₹1,868.25 is trading 25.3% below its estimated GF Value™ of ₹2,499.86.
GuruFocus considers Bajaj Finserv to be Modestly Undervalued.
Key valuation signals for BOM:532978:
Pretax Margin %: 20.69% (near median its 10-year median of 19.99)
GF Value™: ₹2,499.86 vs. price of ₹1,868.25 (25.3% below fair value)
Industry Position: 86.1% above the Diversified Financial Services median (#41 of 110)
No single metric tells the full story. See the BOM:532978 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bajaj Finserv Ltd is a non-banking financial services company headquartered in India that engages in lending activities. It services six lending verticals: consumer, small and midsize enterprises, commercial, rural, deposits, and partnerships and services. Bajaj's consumer and rural lending consists of funding solutions for consumer durables, such as vehicles and furniture, to personal loans. The commercial lending activities consist of funding for plant and machinery assets and term loans to SMEs. Its business segments include: Life Insurance, General Insurance, Windpower, Retail Finance, and Investment and Others. It derives maximum revenue from the Retail Finance segment. Geographically, the company derives all of its revenue from its operations in India.
80GF Score
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