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The historical rank and industry rank for Aeon Credit Service (Asia) Co's Pretax Margin % or its related term are showing as below:
HKSE:00900'
s Pretax Margin % Range Over the Past 10 Years
Min: 28.65 Med: 35.39 Max: 42.09
Current: 33.57
HKSE:00900's Pretax Margin % is ranked better than 66.29% of 537
companies
in the Credit Services industry
Industry Median: 20.37
vs HKSE:00900: 33.57
Aeon Credit Service (Asia) Co (HKSE:00900) 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.
Aeon Credit Service (Asia) Co Pretax Margin % Related Terms
Aeon Credit Service (Asia) Co Pretax Margin % Historical Data
* 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.
Aeon Credit Service (Asia) Co Pretax Margin % Chart
HKSE:00900 vs V, MA, AXP: Pretax Margin % Comparison
For the Credit Services subindustry, Aeon Credit Service (Asia) 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.
Aeon Credit Service (Asia) Co Pretax Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Aeon Credit Service (Asia) Co's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Aeon Credit Service (Asia) 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.
Aeon Credit Service (Asia) Co (HKSE:00900) has a Pretax Margin % of 36.23% as of May. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Aeon Credit Service (Asia) Co and its competitors. This is near median its historical median of 35.39. Over the past decade, Aeon Credit Service (Asia) Co's Pretax Margin % has ranged from 28.65 to 42.09. According to the industry distribution chart, Aeon Credit Service (Asia) Co ranks #181 out of 537 companies in the Credit Services industry, placing it in the top 33.7%.
Is Aeon Credit Service (Asia) Co's Pretax Margin % too high?
Aeon Credit Service (Asia) Co's current Pretax Margin % of 36.23% is near median its 10-year median of 35.39. Over the past 10 years, this metric has ranged from a low of 28.65 to a high of 42.09. The Credit Services industry median Pretax Margin % is 20.37. Aeon Credit Service (Asia) Co's value of 36.23% is 77.9% above this industry median. Based on the distribution chart, Aeon Credit Service (Asia) Co ranks #181 out of 537 companies in the Credit Services industry, which is above the industry midpoint. Overall, Aeon Credit Service (Asia) Co has a GF Score™ of 77/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Aeon Credit Service (Asia) Co's Pretax Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Aeon Credit Service (Asia) Co ranks #181 out of 537 companies for Pretax Margin %. This puts Aeon Credit Service (Asia) Co in the upper half of its industry. The industry median Pretax Margin % is 20.37. Aeon Credit Service (Asia) Co's value of 36.23% is 77.9% above this benchmark. Historically, Aeon Credit Service (Asia) Co's own Pretax Margin % has ranged from 28.65 to 42.09 over the past decade. While the company's 10-year median is 35.39 vs. the industry median of 20.37, Aeon Credit Service (Asia) 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. Aeon Credit Service (Asia) Co's current Pretax Margin % of 36.23% is 77.9% 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 Aeon Credit Service (Asia) 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. Aeon Credit Service (Asia) Co's current Pretax Margin % is 36.23%, which is near median its own 10-year median of 35.39. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Aeon Credit Service (Asia) Co stock overvalued right now?
Based on GuruFocus' analysis, Aeon Credit Service (Asia) Co (HKSE:00900) is currently considered Modestly Overvalued. The stock's GF Value™ is HK$7.87, compared to a current price of HK$8.76 — trading 11.3% above its estimated fair value. The current Pretax Margin % is 36.23%, which is near median its 10-year median of 35.39 and 77.9% above the Credit Services industry median of 20.37. Aeon Credit Service (Asia) Co's overall GF Score™ is 77/100 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 Aeon Credit Service (Asia) Co (HKSE:00900), the current Pretax Margin % is 36.23% as of May. 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 Aeon Credit Service (Asia) Co (HKSE:00900) Overvalued in 2026?
Based on GuruFocus' analysis, Aeon Credit Service (Asia) Co stock appears to be overvalued.
The current stock price of HK$8.76 is trading 11.3% above its estimated GF Value™ of HK$7.87.
GuruFocus considers Aeon Credit Service (Asia) Co to be Modestly Overvalued.
Key valuation signals for HKSE:00900:
Pretax Margin %: 36.23% (near median its 10-year median of 35.39)
GF Value™: HK$7.87 vs. price of HK$8.76 (11.3% above fair value)
Industry Position: 77.9% above the Credit Services median (#181 of 537)
No single metric tells the full story. See the HKSE:00900 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Aeon Credit Service (Asia) Co Business Description
Aeon Credit Service (Asia) Co Ltd is engaged in the consumer finance business, which includes the issuance of credit cards and the provision of personal loan financing, card payment processing services, insurance intermediary business and microfinance business. The Group is principally engaged in the provision of financial services, which includes the issuance of credit cards and the provision of personal loan financing, payment processing services, insurance intermediary business, and microfinance business. The Group operates across three primary segments: credit cards, personal loans, and insurance intermediary services. The company generates majority of revenue from Credit cards. The company has presence in Hong Kong, Chinese Mainland.
77GF Score
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