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.
India Shelter FinanceBOM:544044 -0.12%38 Pretax Margin % is 48.62% as of Mar. 2026, which is 6% above its 10-year median of 45.87. GuruFocus rates BOM:544044 with a GF Score™ of 38/100. The stock has 5 warning signs investors should review. Among 1,525 Banks companies, India Shelter Finance ranks better than 79.34% on this metric.
The historical rank and industry rank for India Shelter Finance's Pretax Margin % or its related term are showing as below:
BOM:544044'
s Pretax Margin % Range Over the Past 10 Years
Min: 40.66 Med: 45.87 Max: 50.24
Current: 47.56
BOM:544044's Pretax Margin % is ranked better than 79.34% of 1525
companies
in the Banks industry
Industry Median: 34.94
vs BOM:544044: 47.56
India Shelter Finance (BOM:544044) 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.
India Shelter Finance Pretax Margin % Related Terms
India Shelter Finance Pretax Margin % Historical Data
* Premium members only.
The historical data trend for India Shelter 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:544044 vs RKT, FNMA, PFSI: Pretax Margin % Comparison
For the Mortgage Finance subindustry, India Shelter 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.
India Shelter Finance Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, India Shelter Finance's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where India Shelter 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.
India Shelter Finance (BOM:544044) has a Pretax Margin % of 48.62% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on India Shelter Finance and its competitors. This is near median its historical median of 45.87. Over the past decade, India Shelter Finance's Pretax Margin % has ranged from 40.66 to 50.24. According to the industry distribution chart, India Shelter Finance ranks #315 out of 1525 companies in the Banks industry, placing it in the top 20.7%.
Is India Shelter Finance's Pretax Margin % too high?
India Shelter Finance's current Pretax Margin % of 48.62% is near median its 10-year median of 45.87. Over the past 10 years, this metric has ranged from a low of 40.66 to a high of 50.24. The Banks industry median Pretax Margin % is 34.94. India Shelter Finance's value of 48.62% is 39.2% above this industry median. Based on the distribution chart, India Shelter Finance ranks #315 out of 1525 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, India Shelter Finance has a GF Score™ of 38/100, reflecting its overall financial health beyond just this single metric.
How does India Shelter Finance's Pretax Margin % compare to RKT and FNMA?
According to the Banks industry distribution chart, India Shelter Finance ranks #315 out of 1525 companies for Pretax Margin %. This places India Shelter Finance in the top 21% of its industry — outperforming the majority of peers. The industry median Pretax Margin % is 34.94. India Shelter Finance's value of 48.62% is 39.2% above this benchmark. Historically, India Shelter Finance's own Pretax Margin % has ranged from 40.66 to 50.24 over the past decade. While the company's 10-year median is 45.87 vs. the industry median of 34.94, India Shelter 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 Banks company?
The median Pretax Margin % among Banks companies is 34.94, 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. India Shelter Finance's current Pretax Margin % of 48.62% is 39.2% 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 India Shelter Finance and its competitors. For the Banks industry, the median Pretax Margin % is 34.94 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. India Shelter Finance's current Pretax Margin % is 48.62%, which is near median its own 10-year median of 45.87. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is India Shelter Finance stock overvalued right now?
India Shelter Finance (BOM:544044) has a current Pretax Margin % of 48.62%. The current Pretax Margin % is 48.62%, which is near median its 10-year median of 45.87 and 39.2% above the Banks industry median of 34.94. India Shelter Finance's overall GF Score™ is 38/100 with 5 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 India Shelter Finance (BOM:544044), the current Pretax Margin % is 48.62% 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.
India Shelter Finance Corporation Ltd caters to the housing needs of the self-employed, informal segment of customers, belonging to the middle income, predominantly from semi-urban and rural markets. It is engaged in providing secured retail home loans, home equity loans, and loans against property to borrowers for a period of up to twenty years. These loans are mainly to be used by borrowers for home purchase, home improvements, home extension, and the construction of dwelling units on plots owned by borrowers. Geographically, the company's operations are spread across different regions in India.
38GF Score
Get the complete analysis for BOM:544044
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:544044 has been successfully added to your 
