DBH FinanceDHA:DBH -1.21%68 Pretax Margin % is 53.83% as of Mar. 2026, which is 27% below its 10-year median of 73.28. GuruFocus rates DHA:DBH with a GF Score™ of 68/100 and a GF Value™ of BDT41.64 (Fairly Valued). The stock has 5 warning signs investors should review. Among 533 Credit Services companies, DBH Finance ranks better than 88.18% on this metric.
Pre-Tax margin is calculated as Pre-Tax Income divided by its Revenue. DBH Finance's Pre-Tax Income for the
three
months ended in Mar. 2026 was BDT385 Mil. DBH Finance's Revenue for the
three
months ended in Mar. 2026 was BDT716 Mil. Therefore, DBH Finance's pretax margin for the quarter that ended in Mar. 2026 was 53.83%.
The historical rank and industry rank for DBH Finance's Pretax Margin % or its related term are showing as below:
DHA:DBH'
s Pretax Margin % Range Over the Past 10 Years
Min: 63.38 Med: 73.28 Max: 82.15
Current: 64.29
DHA:DBH's Pretax Margin % is ranked better than 88.18% of 533
companies
in the Credit Services industry
Industry Median: 20.02
vs DHA:DBH: 64.29
DBH Finance (DHA:DBH) 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.
DBH Finance Pretax Margin % Related Terms
DBH Finance Pretax Margin % Historical Data
* Premium members only.
The historical data trend for DBH 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.
For the Credit Services subindustry, DBH 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.
DBH Finance Pretax Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, DBH Finance's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where DBH 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.
DBH Finance (DHA:DBH) has a Pretax Margin % of 53.83% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on DBH Finance and its competitors. This is 27% below median its historical median of 73.28. Over the past decade, DBH Finance's Pretax Margin % has ranged from 63.38 to 82.15. According to the industry distribution chart, DBH Finance ranks #63 out of 533 companies in the Credit Services industry, placing it in the top 11.8%.
Is DBH Finance's Pretax Margin % too high?
DBH Finance's current Pretax Margin % of 53.83% is 27% below median its 10-year median of 73.28. Over the past 10 years, this metric has ranged from a low of 63.38 to a high of 82.15. The Credit Services industry median Pretax Margin % is 20.02. DBH Finance's value of 53.83% is 168.9% above this industry median. Based on the distribution chart, DBH Finance ranks #63 out of 533 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, DBH Finance has a GF Score™ of 68/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does DBH Finance's Pretax Margin % compare to V and MA?
According to the Credit Services industry distribution chart, DBH Finance ranks #63 out of 533 companies for Pretax Margin %. This places DBH Finance in the top 12% of its industry — outperforming the majority of peers. The industry median Pretax Margin % is 20.02. DBH Finance's value of 53.83% is 168.9% above this benchmark. Historically, DBH Finance's own Pretax Margin % has ranged from 63.38 to 82.15 over the past decade. While the company's 10-year median is 73.28 vs. the industry median of 20.02, DBH 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 20.02, based on 533 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. DBH Finance's current Pretax Margin % of 53.83% is 168.9% 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 DBH Finance and its competitors. For the Credit Services industry, the median Pretax Margin % is 20.02 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. DBH Finance's current Pretax Margin % is 53.83%, which is 27% below median its own 10-year median of 73.28. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is DBH Finance stock overvalued right now?
Based on GuruFocus' analysis, DBH Finance (DHA:DBH) is currently considered Fairly Valued. The stock's GF Value™ is BDT41.64, compared to a current price of BDT40.70 — trading 2.3% below its estimated fair value. The current Pretax Margin % is 53.83%, which is 27% below median its 10-year median of 73.28 and 168.9% above the Credit Services industry median of 20.02. DBH Finance's overall GF Score™ is 68/100 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 DBH Finance (DHA:DBH), the current Pretax Margin % is 53.83% 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 DBH Finance (DHA:DBH) Overvalued in 2026?
Based on GuruFocus' analysis, DBH Finance stock appears to be undervalued.
The current stock price of BDT40.70 is trading 2.3% below its estimated GF Value™ of BDT41.64.
GuruFocus considers DBH Finance to be Fairly Valued.
Key valuation signals for DHA:DBH:
Pretax Margin %: 53.83% (27% below median its 10-year median of 73.28)
GF Value™: BDT41.64 vs. price of BDT40.70 (2.3% below fair value)
Industry Position: 168.9% above the Credit Services median (#63 of 533)
No single metric tells the full story. See the DHA:DBH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
DBH Finance PLC is engaged in providing loans for construction of houses, purchases of flats or houses, extensions and improvements of existing houses or flats and purchase of housing plots. It has also various investment and financing products like term deposit scheme, cumulative deposit, triple money deposit, double money deposit, annual income deposit, quarterly income deposit, monthly income deposit, easy way deposit etc. for its individual and corporate clients. Its segments consist of Conventional Products & Services that offers a diverse array of conventional financial solutions developed to meet both housing and personal financial needs; and Islamic Products and services. The majority of revenue is derived from Conventional Products & Services segment.
68GF Score
Get the complete analysis for DHA:DBH
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
DHA:DBH has been successfully added to your 
