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.
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.
Niyogin Fintech Pretax Margin % Related Terms
Niyogin Fintech Pretax Margin % Historical Data
* Premium members only.
The historical data trend for Niyogin Fintech'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:538772 vs V, MA, AXP: Pretax Margin % Comparison
For the Credit Services subindustry, Niyogin Fintech'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.
Niyogin Fintech Pretax Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Niyogin Fintech's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Niyogin Fintech'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.
Niyogin Fintech (BOM:538772) has a Pretax Margin % of 2.41% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Niyogin Fintech and its competitors. According to the industry distribution chart, Niyogin Fintech ranks #416 out of 535 companies in the Credit Services industry, placing it in the top 77.8%.
Is Niyogin Fintech's Pretax Margin % too high?
Niyogin Fintech's current Pretax Margin % is 2.41%. The Credit Services industry median Pretax Margin % is 20.25. Niyogin Fintech's value of 2.41% is 88.1% below this industry median. Based on the distribution chart, Niyogin Fintech ranks #416 out of 535 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Niyogin Fintech has a GF Score™ of 54/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Niyogin Fintech's Pretax Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Niyogin Fintech ranks #416 out of 535 companies for Pretax Margin %. This places Niyogin Fintech in the lower half of its industry. The industry median Pretax Margin % is 20.25. Niyogin Fintech's value of 2.41% is 88.1% below this benchmark. 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 20.25, 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. Niyogin Fintech's current Pretax Margin % of 2.41% is 88.1% 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 Niyogin Fintech and its competitors. For the Credit Services industry, the median Pretax Margin % is 20.25 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Niyogin Fintech's current Pretax Margin % is 2.41%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Niyogin Fintech stock overvalued right now?
Based on GuruFocus' analysis, Niyogin Fintech (BOM:538772) is currently considered Significantly Undervalued. The stock's GF Value™ is ₹76.13, compared to a current price of ₹42.08 — trading 44.7% below its estimated fair value. The current Pretax Margin % is 2.41% and 88.1% below the Credit Services industry median of 20.25. Niyogin Fintech's overall GF Score™ is 54/100 with 3 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 Niyogin Fintech (BOM:538772), the current Pretax Margin % is 2.41% 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 Niyogin Fintech (BOM:538772) Overvalued in 2026?
Based on GuruFocus' analysis, Niyogin Fintech stock appears to be undervalued.
The current stock price of ₹42.08 is trading 44.7% below its estimated GF Value™ of ₹76.13.
GuruFocus considers Niyogin Fintech to be Significantly Undervalued.
Key valuation signals for BOM:538772:
Pretax Margin %: 2.41%
GF Value™: ₹76.13 vs. price of ₹42.08 (44.7% below fair value)
Industry Position: 88.1% below the Credit Services median (#416 of 535)
No single metric tells the full story. See the BOM:538772 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Niyogin Fintech Ltd is an Indian non-banking finance company. It is engaged in providing lending facilities and credit services to small and medium business. Geographically, it operates only in India. The company generates its revenue in the form of interest income, processing fees, Bounce charges, and other finance charges.
54GF Score
Get the complete analysis for BOM:538772
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:538772 has been successfully added to your 
