IDLC FinanceDHA:IDLC +0.25%85 Pretax Margin % is 50.65% as of Mar. 2026, which is 1% below its 10-year median of 51.22. GuruFocus rates DHA:IDLC with a GF Score™ of 85/100 and a GF Value™ of BDT44.91 (Fairly Valued). The stock has 5 warning signs investors should review. Among 534 Credit Services companies, IDLC Finance ranks better than 82.21% on this metric.
Pre-Tax margin is calculated as Pre-Tax Income divided by its Revenue. IDLC Finance's Pre-Tax Income for the
three
months ended in Mar. 2026 was BDT1,217 Mil. IDLC Finance's Revenue for the
three
months ended in Mar. 2026 was BDT2,402 Mil. Therefore, IDLC Finance's pretax margin for the quarter that ended in Mar. 2026 was 50.65%.
The historical rank and industry rank for IDLC Finance's Pretax Margin % or its related term are showing as below:
DHA:IDLC'
s Pretax Margin % Range Over the Past 10 Years
Min: 38.65 Med: 51.22 Max: 60.02
Current: 53.11
DHA:IDLC's Pretax Margin % is ranked better than 82.21% of 534
companies
in the Credit Services industry
Industry Median: 19.865
vs DHA:IDLC: 53.11
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.
IDLC Finance Pretax Margin % Related Terms
IDLC Finance Pretax Margin % Historical Data
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The historical data trend for IDLC 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.
DHA:IDLC vs V, MA, AXP: Pretax Margin % Comparison
For the Credit Services subindustry, IDLC 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.
IDLC Finance Pretax Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, IDLC Finance's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where IDLC 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.
IDLC Finance (DHA:IDLC) has a Pretax Margin % of 50.65% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on IDLC Finance and its competitors. This is near median its historical median of 51.22. Over the past decade, IDLC Finance's Pretax Margin % has ranged from 38.65 to 60.02. According to the industry distribution chart, IDLC Finance ranks #95 out of 534 companies in the Credit Services industry, placing it in the top 17.8%.
Is IDLC Finance's Pretax Margin % too high?
IDLC Finance's current Pretax Margin % of 50.65% is near median its 10-year median of 51.22. Over the past 10 years, this metric has ranged from a low of 38.65 to a high of 60.02. The Credit Services industry median Pretax Margin % is 19.87. IDLC Finance's value of 50.65% is 155% above this industry median. Based on the distribution chart, IDLC Finance ranks #95 out of 534 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, IDLC Finance has a GF Score™ of 85/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does IDLC Finance's Pretax Margin % compare to V and MA?
According to the Credit Services industry distribution chart, IDLC Finance ranks #95 out of 534 companies for Pretax Margin %. This places IDLC Finance in the top 18% of its industry — outperforming the majority of peers. The industry median Pretax Margin % is 19.87. IDLC Finance's value of 50.65% is 155% above this benchmark. Historically, IDLC Finance's own Pretax Margin % has ranged from 38.65 to 60.02 over the past decade. While the company's 10-year median is 51.22 vs. the industry median of 19.87, IDLC 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 19.87, based on 534 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. IDLC Finance's current Pretax Margin % of 50.65% is 155% 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 IDLC Finance and its competitors. For the Credit Services industry, the median Pretax Margin % is 19.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. IDLC Finance's current Pretax Margin % is 50.65%, which is near median its own 10-year median of 51.22. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is IDLC Finance stock overvalued right now?
Based on GuruFocus' analysis, IDLC Finance (DHA:IDLC) is currently considered Fairly Valued. The stock's GF Value™ is BDT44.91, compared to a current price of BDT40.80 — trading 9.2% below its estimated fair value. The current Pretax Margin % is 50.65%, which is near median its 10-year median of 51.22 and 155% above the Credit Services industry median of 19.87. IDLC Finance's overall GF Score™ is 85/100 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 IDLC Finance (DHA:IDLC), the current Pretax Margin % is 50.65% 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 IDLC Finance (DHA:IDLC) Overvalued in 2026?
Based on GuruFocus' analysis, IDLC Finance stock appears to be undervalued.
The current stock price of BDT40.80 is trading 9.2% below its estimated GF Value™ of BDT44.91.
GuruFocus considers IDLC Finance to be Fairly Valued.
Key valuation signals for DHA:IDLC:
Pretax Margin %: 50.65% (near median its 10-year median of 51.22)
GF Value™: BDT44.91 vs. price of BDT40.80 (9.2% below fair value)
Industry Position: 155% above the Credit Services median (#95 of 534)
No single metric tells the full story. See the DHA:IDLC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
IDLC Finance PLC is a multiproduct financial institution with its presence in Corporate, SME, and Retail segments. The group provides diversified loan products to small businesses and women entrepreneurs, home loans, and loan solutions to corporate clients, including providing a green banking solution. Along with its subsidiaries, the company operates in the following segments: Core financing, Investment banking, Brokerage, and Asset Management businesses. The majority of its revenue is generated from the Core financing business segment. Geographically, it operates in Bangladesh.
85GF Score
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