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CreditAccess GrameenBOM:541770 -2.25%88 Pretax Margin % is 37.75% as of Jun. 2026, which is 61% above its 10-year median of 23.50. GuruFocus rates BOM:541770 with a GF Score™ of 88/100 and a GF Value™ of ₹1,442.03 (Fairly Valued). The stock has 6 warning signs investors should review. Among 537 Credit Services companies, CreditAccess Grameen ranks better than 57.73% 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.
CreditAccess Grameen Pretax Margin % Related Terms
CreditAccess Grameen Pretax Margin % Historical Data
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The historical data trend for CreditAccess Grameen'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:541770 vs V, MA, AXP: Pretax Margin % Comparison
For the Credit Services subindustry, CreditAccess Grameen'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.
CreditAccess Grameen Pretax Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, CreditAccess Grameen's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where CreditAccess Grameen'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.
CreditAccess Grameen (BOM:541770) has a Pretax Margin % of 37.75% as of Jun. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on CreditAccess Grameen and its competitors. This is 61% above median its historical median of 23.50. Over the past decade, CreditAccess Grameen's Pretax Margin % has ranged from 7.89 to 41.04. According to the industry distribution chart, CreditAccess Grameen ranks #227 out of 537 companies in the Credit Services industry, placing it in the top 42.3%.
Is CreditAccess Grameen's Pretax Margin % too high?
CreditAccess Grameen's current Pretax Margin % of 37.75% is 61% above median its 10-year median of 23.50. Over the past 10 years, this metric has ranged from a low of 7.89 to a high of 41.04. The Credit Services industry median Pretax Margin % is 20.37. CreditAccess Grameen's value of 37.75% is 85.3% above this industry median. Based on the distribution chart, CreditAccess Grameen ranks #227 out of 537 companies in the Credit Services industry, which is above the industry midpoint. Overall, CreditAccess Grameen has a GF Score™ of 88/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does CreditAccess Grameen's Pretax Margin % compare to V and MA?
According to the Credit Services industry distribution chart, CreditAccess Grameen ranks #227 out of 537 companies for Pretax Margin %. This puts CreditAccess Grameen in the upper half of its industry. The industry median Pretax Margin % is 20.37. CreditAccess Grameen's value of 37.75% is 85.3% above this benchmark. Historically, CreditAccess Grameen's own Pretax Margin % has ranged from 7.89 to 41.04 over the past decade. While the company's 10-year median is 23.50 vs. the industry median of 20.37, CreditAccess Grameen 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. CreditAccess Grameen's current Pretax Margin % of 37.75% is 85.3% 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 CreditAccess Grameen 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. CreditAccess Grameen's current Pretax Margin % is 37.75%, which is 61% above median its own 10-year median of 23.50. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CreditAccess Grameen stock overvalued right now?
Based on GuruFocus' analysis, CreditAccess Grameen (BOM:541770) is currently considered Fairly Valued. The stock's GF Value™ is ₹1,442.03, compared to a current price of ₹1,556.90 — trading 8% above its estimated fair value. The current Pretax Margin % is 37.75%, which is 61% above median its 10-year median of 23.50 and 85.3% above the Credit Services industry median of 20.37. CreditAccess Grameen's overall GF Score™ is 88/100 with 6 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 CreditAccess Grameen (BOM:541770), the current Pretax Margin % is 37.75% as of Jun. 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 CreditAccess Grameen (BOM:541770) Overvalued in 2026?
Based on GuruFocus' analysis, CreditAccess Grameen stock appears to be overvalued.
The current stock price of ₹1,556.90 is trading 8% above its estimated GF Value™ of ₹1,442.03.
GuruFocus considers CreditAccess Grameen to be Fairly Valued.
Key valuation signals for BOM:541770:
Pretax Margin %: 37.75% (61% above median its 10-year median of 23.50)
GF Value™: ₹1,442.03 vs. price of ₹1,556.90 (8% above fair value)
Industry Position: 85.3% above the Credit Services median (#227 of 537)
No single metric tells the full story. See the BOM:541770 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
CreditAccess Grameen Ltd is focused on providing financial support to women from low-income households engaged in economic activity with limited access to financial services. The Company predominantly offers collateral-free loans to women from low-income households willing to borrow in a group and agree to take joint liability. The wide range of lending products addresses the critical needs of customers throughout their lifecycle and includes income generation, home improvement, children's education, sanitation and personal emergency loans. The key stakeholders of the Company are customers, local communities in the operating regions, shareholders, lenders, investors, regulators, credit rating agencies and other business partners. It operates in India and outside India.
88GF Score
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