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Scintilla Commercial & CreditBOM:538857 38 Pretax Margin % is 48.47% as of Mar. 2026, which is 5168% above its 10-year median of 0.92. GuruFocus rates BOM:538857 with a GF Score™ of 38/100 and a GF Value™ of ₹5.67 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 537 Credit Services companies, Scintilla Commercial & Credit ranks worse than 87.52% 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.
Scintilla Commercial & Credit Pretax Margin % Related Terms
Scintilla Commercial & Credit Pretax Margin % Historical Data
* 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:538857 vs V, MA, AXP: Pretax Margin % Comparison
For the Credit Services subindustry, Scintilla Commercial & 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.
Scintilla Commercial & Credit Pretax Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Scintilla Commercial & Credit's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Scintilla Commercial & 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.
Scintilla Commercial & Credit (BOM:538857) has a Pretax Margin % of 48.47% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Scintilla Commercial & Credit and its competitors. This is 5168% above median its historical median of 0.92. According to the industry distribution chart, Scintilla Commercial & Credit ranks #470 out of 537 companies in the Credit Services industry, placing it in the top 87.5%.
Is Scintilla Commercial & Credit's Pretax Margin % too high?
Scintilla Commercial & Credit's current Pretax Margin % of 48.47% is 5168% above median its 10-year median of 0.92. The Credit Services industry median Pretax Margin % is 20.37. Scintilla Commercial & Credit's value of 48.47% is 137.9% above this industry median. Based on the distribution chart, Scintilla Commercial & Credit ranks #470 out of 537 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Scintilla Commercial & Credit has a GF Score™ of 38/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Scintilla Commercial & Credit's Pretax Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Scintilla Commercial & Credit ranks #470 out of 537 companies for Pretax Margin %. This places Scintilla Commercial & Credit in the lower half of its industry. The industry median Pretax Margin % is 20.37. Scintilla Commercial & Credit's value of 48.47% is 137.9% above this benchmark. While the company's 10-year median is 0.92 vs. the industry median of 20.37, Scintilla Commercial & 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 20.37, based on 537 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. Scintilla Commercial & Credit's current Pretax Margin % of 48.47% is 137.9% 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 Scintilla Commercial & Credit and its competitors. For the Credit Services industry, the median Pretax Margin % is 20.37 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Scintilla Commercial & Credit's current Pretax Margin % is 48.47%, which is 5168% above median its own 10-year median of 0.92. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Scintilla Commercial & Credit stock overvalued right now?
Based on GuruFocus' analysis, Scintilla Commercial & Credit (BOM:538857) is currently considered Significantly Overvalued. The stock's GF Value™ is ₹5.67, compared to a current price of ₹12.20 — trading 115.2% above its estimated fair value. The current Pretax Margin % is 48.47%, which is 5168% above median its 10-year median of 0.92 and 137.9% above the Credit Services industry median of 20.37. Scintilla Commercial & Credit's overall GF Score™ is 38/100 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 Scintilla Commercial & Credit (BOM:538857), the current Pretax Margin % is 48.47% 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 Scintilla Commercial & Credit (BOM:538857) Overvalued in 2026?
Based on GuruFocus' analysis, Scintilla Commercial & Credit stock appears to be overvalued.
The current stock price of ₹12.20 is trading 115.2% above its estimated GF Value™ of ₹5.67.
GuruFocus considers Scintilla Commercial & Credit to be Significantly Overvalued.
Key valuation signals for BOM:538857:
Pretax Margin %: 48.47% (5168% above median its 10-year median of 0.92)
GF Value™: ₹5.67 vs. price of ₹12.20 (115.2% above fair value)
Industry Position: 137.9% above the Credit Services median (#470 of 537)
No single metric tells the full story. See the BOM:538857 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Scintilla Commercial & Credit Ltd is a non-banking financial company. The company is engaged in the business of providing loans and advances and investment in shares of other companies. The company generates revenue from Interest income.
38GF Score
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