Emerald FinanceBOM:538882 +2.82%82 Pretax Margin % is 60.96% as of Mar. 2026, which is 64% above its 10-year median of 37.11. GuruFocus rates BOM:538882 with a GF Score™ of 82/100 and a GF Value™ of ₹95.35 (Possible Value Trap). The stock has 2 warning signs investors should review. Among 534 Credit Services companies, Emerald Finance ranks better than 88.39% on this metric.
The historical rank and industry rank for Emerald Finance's Pretax Margin % or its related term are showing as below:
BOM:538882'
s Pretax Margin % Range Over the Past 10 Years
Min: 15.83 Med: 37.11 Max: 65.34
Current: 65.34
BOM:538882's Pretax Margin % is ranked better than 88.39% of 534
companies
in the Credit Services industry
Industry Median: 20.105
vs BOM:538882: 65.34
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.
Emerald Finance Pretax Margin % Related Terms
Emerald Finance Pretax Margin % Historical Data
* Premium members only.
The historical data trend for Emerald 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:538882 vs V, MA, AXP: Pretax Margin % Comparison
For the Credit Services subindustry, Emerald 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.
Emerald Finance Pretax Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Emerald Finance's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Emerald 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.
Emerald Finance (BOM:538882) has a Pretax Margin % of 60.96% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Emerald Finance and its competitors. This is 64% above median its historical median of 37.11. Over the past decade, Emerald Finance's Pretax Margin % has ranged from 15.83 to 65.34. According to the industry distribution chart, Emerald Finance ranks #62 out of 534 companies in the Credit Services industry, placing it in the top 11.6%.
Is Emerald Finance's Pretax Margin % too high?
Emerald Finance's current Pretax Margin % of 60.96% is 64% above median its 10-year median of 37.11. Over the past 10 years, this metric has ranged from a low of 15.83 to a high of 65.34. The Credit Services industry median Pretax Margin % is 20.11. Emerald Finance's value of 60.96% is 203.2% above this industry median. Based on the distribution chart, Emerald Finance ranks #62 out of 534 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Emerald Finance has a GF Score™ of 82/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Emerald Finance's Pretax Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Emerald Finance ranks #62 out of 534 companies for Pretax Margin %. This places Emerald Finance in the top 12% of its industry — outperforming the majority of peers. The industry median Pretax Margin % is 20.11. Emerald Finance's value of 60.96% is 203.2% above this benchmark. Historically, Emerald Finance's own Pretax Margin % has ranged from 15.83 to 65.34 over the past decade. While the company's 10-year median is 37.11 vs. the industry median of 20.11, Emerald 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 20.11, 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. Emerald Finance's current Pretax Margin % of 60.96% is 203.2% 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 Emerald Finance and its competitors. For the Credit Services industry, the median Pretax Margin % is 20.11 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Emerald Finance's current Pretax Margin % is 60.96%, which is 64% above median its own 10-year median of 37.11. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Emerald Finance stock overvalued right now?
Based on GuruFocus' analysis, Emerald Finance (BOM:538882) is currently considered Possible Value Trap. The stock's GF Value™ is ₹95.35, compared to a current price of ₹56.88 — trading 40.3% below its estimated fair value. The current Pretax Margin % is 60.96%, which is 64% above median its 10-year median of 37.11 and 203.2% above the Credit Services industry median of 20.11. Emerald Finance's overall GF Score™ is 82/100 with 2 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 Emerald Finance (BOM:538882), the current Pretax Margin % is 60.96% 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 Emerald Finance (BOM:538882) Overvalued in 2026?
Based on GuruFocus' analysis, Emerald Finance stock appears to be undervalued.
The current stock price of ₹56.88 is trading 40.3% below its estimated GF Value™ of ₹95.35.
GuruFocus considers Emerald Finance to be Possible Value Trap.
Key valuation signals for BOM:538882:
Pretax Margin %: 60.96% (64% above median its 10-year median of 37.11)
GF Value™: ₹95.35 vs. price of ₹56.88 (40.3% below fair value)
Industry Position: 203.2% above the Credit Services median (#62 of 534)
No single metric tells the full story. See the BOM:538882 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Emerald Finance Ltd operates as a non-banking financial company focused on retail and micro, small, and medium enterprise (MSME) lending. The company acts as a loan origination platform for multiple financial institutions, providing a broad range of financial products including personal loans, business loans, home loans, and early wage access through digital channels. It serves customers mainly in northern and western regions of India, leveraging partnerships with banks and fintech platforms to reach diverse client segments. Revenue is generated from loan disbursements, interest income, and brokerage fees earned by facilitating lending through its network and technology-driven platforms.
82GF Score
Get the complete analysis for BOM:538882
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:538882 has been successfully added to your 
