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The historical rank and industry rank for Ujjivan Small Finance Bank's Pretax Margin % or its related term are showing as below:
BOM:542904'
s Pretax Margin % Range Over the Past 10 Years
Min: -25.77 Med: 20.44 Max: 44.63
Current: 18.3
BOM:542904's Pretax Margin % is ranked worse than 83.08% of 1525
companies
in the Banks industry
Industry Median: 34.96
vs BOM:542904: 18.30
Ujjivan Small Finance Bank (BOM:542904) Pretax Margin % Explanation
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.
Ujjivan Small Finance Bank Pretax Margin % Related Terms
Ujjivan Small Finance Bank 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.
Ujjivan Small Finance Bank Pretax Margin % Competitor Comparison
For the Banks - Regional subindustry, Ujjivan Small Finance Bank'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.
Ujjivan Small Finance Bank Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Ujjivan Small Finance Bank's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Ujjivan Small Finance Bank'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.
Ujjivan Small Finance Bank (BOM:542904) has a Pretax Margin % of 26.49% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Ujjivan Small Finance Bank and its competitors. This is 30% above median its historical median of 20.44. According to the industry distribution chart, Ujjivan Small Finance Bank ranks #1267 out of 1525 companies in the Banks industry, placing it in the top 83.1%.
Is Ujjivan Small Finance Bank's Pretax Margin % too high?
Ujjivan Small Finance Bank's current Pretax Margin % of 26.49% is 30% above median its 10-year median of 20.44. The Banks industry median Pretax Margin % is 34.96. Ujjivan Small Finance Bank's value of 26.49% is 24.2% below this industry median. Based on the distribution chart, Ujjivan Small Finance Bank ranks #1267 out of 1525 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Ujjivan Small Finance Bank has a GF Score™ of 72/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Ujjivan Small Finance Bank's Pretax Margin % compare to competitors?
According to the Banks industry distribution chart, Ujjivan Small Finance Bank ranks #1267 out of 1525 companies for Pretax Margin %. This places Ujjivan Small Finance Bank in the lower half of its industry. The industry median Pretax Margin % is 34.96. Ujjivan Small Finance Bank's value of 26.49% is 24.2% below this benchmark. While the company's 10-year median is 20.44 vs. the industry median of 34.96, Ujjivan Small Finance Bank has consistently been below 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 Banks company?
The median Pretax Margin % among Banks companies is 34.96, based on 1,525 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. Ujjivan Small Finance Bank's current Pretax Margin % of 26.49% is 24.2% 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 Ujjivan Small Finance Bank and its competitors. For the Banks industry, the median Pretax Margin % is 34.96 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ujjivan Small Finance Bank's current Pretax Margin % is 26.49%, which is 30% above median its own 10-year median of 20.44. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Ujjivan Small Finance Bank stock overvalued right now?
Based on GuruFocus' analysis, Ujjivan Small Finance Bank (BOM:542904) is currently considered Modestly Overvalued. The stock's GF Value™ is ₹56.59, compared to a current price of ₹65.74 — trading 16.2% above its estimated fair value. The current Pretax Margin % is 26.49%, which is 30% above median its 10-year median of 20.44 and 24.2% below the Banks industry median of 34.96. Ujjivan Small Finance Bank's overall GF Score™ is 72/100 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 Ujjivan Small Finance Bank (BOM:542904), the current Pretax Margin % is 26.49% 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 Ujjivan Small Finance Bank (BOM:542904) Overvalued in 2026?
Based on GuruFocus' analysis, Ujjivan Small Finance Bank stock appears to be overvalued.
The current stock price of ₹65.74 is trading 16.2% above its estimated GF Value™ of ₹56.59.
GuruFocus considers Ujjivan Small Finance Bank to be Modestly Overvalued.
Key valuation signals for BOM:542904:
Pretax Margin %: 26.49% (30% above median its 10-year median of 20.44)
GF Value™: ₹56.59 vs. price of ₹65.74 (16.2% above fair value)
Industry Position: 24.2% below the Banks median (#1267 of 1525)
No single metric tells the full story. See the BOM:542904 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Ujjivan Small Finance Bank Ltd is a mass-market-focused SFB in India, catering to unserved and underserved segments and committed to building financial inclusion in the country. Its segments are Treasury; Retail Banking; and Corporate/Wholesale Banking. The company's asset products comprise loans to its micro banking customers that include group loans and individual loans, agriculture and allied loans, MSE loans, affordable housing loans, financial institutions group loans, personal loans, and vehicle loans. It also offers savings accounts, current accounts, and a variety of deposit accounts. In addition, the company also provides non-credit offerings comprising ATM-cum-debit cards, Aadhaar enrolment services, distribution of third-party insurance products, and point-of-sales terminals.
72GF Score
Get the complete analysis for BOM:542904
Pretax Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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