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Creditison CoCSASF 86 Pretax Margin % is 21.53% as of Dec. 2025, which is 36% above its 10-year median of 15.81. GuruFocus rates CSASF with a GF Score™ of 86/100 and a GF Value™ of $22.96. The stock has 7 warning signs investors should review. Among 537 Credit Services companies, Creditison Co ranks worse than 56.24% on this metric.
Pre-Tax margin is calculated as Pre-Tax Income divided by its Revenue. Creditison Co's Pre-Tax Income for the
three
months ended in Dec. 2025 was $205 Mil. Creditison Co's Revenue for the
three
months ended in Dec. 2025 was $954 Mil. Therefore, Creditison Co's pretax margin for the quarter that ended in Dec. 2025 was 21.53%.
The historical rank and industry rank for Creditison Co's Pretax Margin % or its related term are showing as below:
CSASF'
s Pretax Margin % Range Over the Past 10 Years
Min: 6.91 Med: 15.81 Max: 23.3
Current: 16.69
CSASF's Pretax Margin % is ranked worse than 56.24% of 537
companies
in the Credit Services industry
Industry Median: 20.37
vs CSASF: 16.69
Creditison Co (OTCPK:CSASF) 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.
Creditison Co Pretax Margin % Related Terms
Creditison Co Pretax Margin % Historical Data
* Premium members only.
The historical data trend for Creditison Co'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.
For the Credit Services subindustry, Creditison Co'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.
Creditison Co Pretax Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Creditison Co's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Creditison Co'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.
Creditison Co (CSASF) has a Pretax Margin % of 21.53% as of Dec. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Creditison Co and its competitors. This is 36% above median its historical median of 15.81. Over the past decade, Creditison Co's Pretax Margin % has ranged from 6.91 to 23.30. According to the industry distribution chart, Creditison Co ranks #302 out of 537 companies in the Credit Services industry, placing it in the top 56.2%.
Is Creditison Co's Pretax Margin % too high?
Creditison Co's current Pretax Margin % of 21.53% is 36% above median its 10-year median of 15.81. Over the past 10 years, this metric has ranged from a low of 6.91 to a high of 23.30. The Credit Services industry median Pretax Margin % is 20.37. Creditison Co's value of 21.53% is 5.7% above this industry median. Based on the distribution chart, Creditison Co ranks #302 out of 537 companies in the Credit Services industry, which is below the industry midpoint. Overall, Creditison Co has a GF Score™ of 86/100, reflecting its overall financial health beyond just this single metric.
How does Creditison Co's Pretax Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Creditison Co ranks #302 out of 537 companies for Pretax Margin %. This places Creditison Co in the lower half of its industry. The industry median Pretax Margin % is 20.37. Creditison Co's value of 21.53% is 5.7% above this benchmark. Historically, Creditison Co's own Pretax Margin % has ranged from 6.91 to 23.30 over the past decade. While the company's 10-year median is 15.81 vs. the industry median of 20.37, Creditison Co 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. Creditison Co's current Pretax Margin % of 21.53% is 5.7% 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 Creditison Co 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. Creditison Co's current Pretax Margin % is 21.53%, which is 36% above median its own 10-year median of 15.81. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Creditison Co stock overvalued right now?
Creditison Co (CSASF) has a current Pretax Margin % of 21.53%. The stock's GF Value™ is $22.96, compared to a current price of $23.61 — trading 2.8% above its estimated fair value. The current Pretax Margin % is 21.53%, which is 36% above median its 10-year median of 15.81 and 5.7% above the Credit Services industry median of 20.37. Creditison Co's overall GF Score™ is 86/100 with 7 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 Creditison Co (CSASF), the current Pretax Margin % is 21.53% as of Dec. 2025. 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 Creditison Co (CSASF) Overvalued in 2026?
Based on GuruFocus' analysis, Creditison Co stock appears to be overvalued.
The current stock price of $23.61 is trading 2.8% above its estimated GF Value™ of $22.96.
Key valuation signals for CSASF:
Pretax Margin %: 21.53% (36% above median its 10-year median of 15.81)
GF Value™: $22.96 vs. price of $23.61 (2.8% above fair value)
Industry Position: 5.7% above the Credit Services median (#302 of 537)
No single metric tells the full story. See the CSASF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Credit Saison Co Ltd is a Japan-based financial services company. The company operates its business through six segments. The Entertainment segment runs amusement parks. The Finance segment covers credit guarantees and related services. The Global segment engages in lending and investments. The Leasing segment focuses on office equipment. The Payment segment centers on credit cards and related services, and the Real Estate segment includes property development and leasing activities. It generates the majority of its revenue from the Payment business segment.
86GF Score
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