Foris AGHAM:FRS +2.72%63 Pretax Margin % is 3.12% as of Dec. 2025, which is 20% above its 10-year median of 2.59. GuruFocus rates HAM:FRS with a GF Score™ of 63/100 and a GF Value™ of €2.54. The stock has 3 warning signs investors should review. Among 533 Credit Services companies, Foris AG ranks worse than 79.36% on this metric.
Pre-Tax margin is calculated as Pre-Tax Income divided by its Revenue. Foris AG's Pre-Tax Income for the
six
months ended in Dec. 2025 was €0.41 Mil. Foris AG's Revenue for the
six
months ended in Dec. 2025 was €13.20 Mil. Therefore, Foris AG's pretax margin for the quarter that ended in Dec. 2025 was 3.12%.
The historical rank and industry rank for Foris AG's Pretax Margin % or its related term are showing as below:
HAM:FRS'
s Pretax Margin % Range Over the Past 10 Years
Min: -8.57 Med: 2.59 Max: 9.89
Current: -0.93
HAM:FRS's Pretax Margin % is ranked worse than 79.36% of 533
companies
in the Credit Services industry
Industry Median: 20.02
vs HAM:FRS: -0.93
Foris AG (HAM:FRS) 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.
Foris AG Pretax Margin % Related Terms
Foris AG Pretax Margin % Historical Data
* Premium members only.
The historical data trend for Foris AG'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, Foris AG'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.
Foris AG Pretax Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Foris AG's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Foris AG'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.
Foris AG (HAM:FRS) has a Pretax Margin % of 3.12% as of Dec. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Foris AG and its competitors. This is 20% above median its historical median of 2.59. According to the industry distribution chart, Foris AG ranks #423 out of 533 companies in the Credit Services industry, placing it in the top 79.4%.
Is Foris AG's Pretax Margin % too high?
Foris AG's current Pretax Margin % of 3.12% is 20% above median its 10-year median of 2.59. The Credit Services industry median Pretax Margin % is 20.02. Foris AG's value of 3.12% is 84.4% below this industry median. Based on the distribution chart, Foris AG ranks #423 out of 533 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Foris AG has a GF Score™ of 63/100, reflecting its overall financial health beyond just this single metric.
How does Foris AG's Pretax Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Foris AG ranks #423 out of 533 companies for Pretax Margin %. This places Foris AG in the lower half of its industry. The industry median Pretax Margin % is 20.02. Foris AG's value of 3.12% is 84.4% below this benchmark. While the company's 10-year median is 2.59 vs. the industry median of 20.02, Foris AG has consistently been below 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. Foris AG's current Pretax Margin % of 3.12% is 84.4% below 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 Foris AG 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. Foris AG's current Pretax Margin % is 3.12%, which is 20% above median its own 10-year median of 2.59. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Foris AG stock overvalued right now?
Foris AG (HAM:FRS) has a current Pretax Margin % of 3.12%. The stock's GF Value™ is €2.54, compared to a current price of €3.02 — trading 18.9% above its estimated fair value. The current Pretax Margin % is 3.12%, which is 20% above median its 10-year median of 2.59 and 84.4% below the Credit Services industry median of 20.02. Foris AG's overall GF Score™ is 63/100 with 3 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 Foris AG (HAM:FRS), the current Pretax Margin % is 3.12% 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 Foris AG (HAM:FRS) Overvalued in 2026?
Based on GuruFocus' analysis, Foris AG stock appears to be overvalued.
The current stock price of €3.02 is trading 18.9% above its estimated GF Value™ of €2.54.
Key valuation signals for HAM:FRS:
Pretax Margin %: 3.12% (20% above median its 10-year median of 2.59)
GF Value™: €2.54 vs. price of €3.02 (18.9% above fair value)
Industry Position: 84.4% below the Credit Services median (#423 of 533)
No single metric tells the full story. See the HAM:FRS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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