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.
Pioneer Credit Pretax Margin % Related Terms
Pioneer Credit Pretax Margin % Historical Data
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The historical data trend for Pioneer Credit'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, Pioneer Credit'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.
Pioneer Credit Pretax Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Pioneer Credit's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Pioneer Credit'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.
Pioneer Credit (FRA:0PI) has a Pretax Margin % of -1,631.64% as of Dec. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Pioneer Credit and its competitors. According to the industry distribution chart, Pioneer Credit ranks #292 out of 533 companies in the Credit Services industry, placing it in the top 54.8%.
Is Pioneer Credit's Pretax Margin % too high?
Pioneer Credit's current Pretax Margin % is -1,631.64%. Based on the distribution chart, Pioneer Credit ranks #292 out of 533 companies in the Credit Services industry, which is below the industry midpoint. Overall, Pioneer Credit has a GF Score™ of 33/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Pioneer Credit's Pretax Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Pioneer Credit ranks #292 out of 533 companies for Pretax Margin %. This places Pioneer Credit in the lower half of its industry. The industry median Pretax Margin % is 20.02. 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. 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 Pioneer Credit 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. Pioneer Credit's current Pretax Margin % is -1,631.64%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Pioneer Credit stock overvalued right now?
Based on GuruFocus' analysis, Pioneer Credit (FRA:0PI) is currently considered Modestly Overvalued. The stock's GF Value™ is €0.31, compared to a current price of €0.40 — trading 27.4% above its estimated fair value. The current Pretax Margin % is -1,631.64%. Pioneer Credit's overall GF Score™ is 33/100 with 10 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 Pioneer Credit (FRA:0PI), the current Pretax Margin % is -1,631.64% 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 Pioneer Credit (FRA:0PI) Overvalued in 2026?
Based on GuruFocus' analysis, Pioneer Credit stock appears to be overvalued.
The current stock price of €0.40 is trading 27.4% above its estimated GF Value™ of €0.31.
GuruFocus considers Pioneer Credit to be Modestly Overvalued.
Key valuation signals for FRA:0PI:
Pretax Margin %: -1,631.64%
GF Value™: €0.31 vs. price of €0.40 (27.4% above fair value)
No single metric tells the full story. See the FRA:0PI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Pioneer Credit Ltd provides financial services in Australia. Its primary business involves the acquisition and servicing of Purchased Debt Portfolios (PDPs). The company has launched its app, called Pioneer Path, which is a personal finance and budget management app that helps customers spend less, save more, and reduce debt.
33GF Score
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