Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Quanzhou Huixin Micro-credit CoHKSE:01577 45 Pretax Margin % is 75.58% as of Dec. 2025, which is 3% above its 10-year median of 73.54. GuruFocus rates HKSE:01577 with a GF Score™ of 45/100 and a GF Value™ of HK$0.90 (Modestly Overvalued). The stock has 1 warning sign investors should review. Among 537 Credit Services companies, Quanzhou Huixin Micro-credit Co ranks better than 90.88% on this metric.
Quanzhou Huixin Micro-credit Co (HKSE:01577) 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.
Quanzhou Huixin Micro-credit Co Pretax Margin % Related Terms
Quanzhou Huixin Micro-credit 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.
Quanzhou Huixin Micro-credit Co Pretax Margin % Chart
HKSE:01577 vs V, MA, AXP: Pretax Margin % Comparison
For the Credit Services subindustry, Quanzhou Huixin Micro-credit 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.
Quanzhou Huixin Micro-credit Co Pretax Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Quanzhou Huixin Micro-credit Co's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Quanzhou Huixin Micro-credit 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.
Quanzhou Huixin Micro-credit Co (HKSE:01577) has a Pretax Margin % of 75.58% as of Dec. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Quanzhou Huixin Micro-credit Co and its competitors. This is near median its historical median of 73.54. Over the past decade, Quanzhou Huixin Micro-credit Co's Pretax Margin % has ranged from 42.48 to 87.35. According to the industry distribution chart, Quanzhou Huixin Micro-credit Co ranks #49 out of 537 companies in the Credit Services industry, placing it in the top 9.1%.
Is Quanzhou Huixin Micro-credit Co's Pretax Margin % too high?
Quanzhou Huixin Micro-credit Co's current Pretax Margin % of 75.58% is near median its 10-year median of 73.54. Over the past 10 years, this metric has ranged from a low of 42.48 to a high of 87.35. The Credit Services industry median Pretax Margin % is 20.37. Quanzhou Huixin Micro-credit Co's value of 75.58% is 271% above this industry median. Based on the distribution chart, Quanzhou Huixin Micro-credit Co ranks #49 out of 537 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Quanzhou Huixin Micro-credit Co has a GF Score™ of 45/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Quanzhou Huixin Micro-credit Co's Pretax Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Quanzhou Huixin Micro-credit Co ranks #49 out of 537 companies for Pretax Margin %. This places Quanzhou Huixin Micro-credit Co in the top 9% of its industry — outperforming the majority of peers. The industry median Pretax Margin % is 20.37. Quanzhou Huixin Micro-credit Co's value of 75.58% is 271% above this benchmark. Historically, Quanzhou Huixin Micro-credit Co's own Pretax Margin % has ranged from 42.48 to 87.35 over the past decade. While the company's 10-year median is 73.54 vs. the industry median of 20.37, Quanzhou Huixin Micro-credit 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. Quanzhou Huixin Micro-credit Co's current Pretax Margin % of 75.58% is 271% 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 Quanzhou Huixin Micro-credit 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. Quanzhou Huixin Micro-credit Co's current Pretax Margin % is 75.58%, which is near median its own 10-year median of 73.54. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Quanzhou Huixin Micro-credit Co stock overvalued right now?
Based on GuruFocus' analysis, Quanzhou Huixin Micro-credit Co (HKSE:01577) is currently considered Modestly Overvalued. The stock's GF Value™ is HK$0.90, compared to a current price of HK$1.03 — trading 14.4% above its estimated fair value. The current Pretax Margin % is 75.58%, which is near median its 10-year median of 73.54 and 271% above the Credit Services industry median of 20.37. Quanzhou Huixin Micro-credit Co's overall GF Score™ is 45/100 with 1 warning sign 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 Quanzhou Huixin Micro-credit Co (HKSE:01577), the current Pretax Margin % is 75.58% 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 Quanzhou Huixin Micro-credit Co (HKSE:01577) Overvalued in 2026?
Based on GuruFocus' analysis, Quanzhou Huixin Micro-credit Co stock appears to be overvalued.
The current stock price of HK$1.03 is trading 14.4% above its estimated GF Value™ of HK$0.90.
GuruFocus considers Quanzhou Huixin Micro-credit Co to be Modestly Overvalued.
Key valuation signals for HKSE:01577:
Pretax Margin %: 75.58% (near median its 10-year median of 73.54)
GF Value™: HK$0.90 vs. price of HK$1.03 (14.4% above fair value)
Industry Position: 271% above the Credit Services median (#49 of 537)
No single metric tells the full story. See the HKSE:01577 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Quanzhou Huixin Micro-credit Co Ltd provides local entrepreneurs, SMEs and microenterprises with practical and flexible short-term financing solutions to support their continued development and address their ongoing liquidity needs. All of the group's revenue was generated from the micro-credit business in Quanzhou, Fujian Province in the PRC.
45GF Score
Get the complete analysis for HKSE:01577
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
HKSE:01577 has been successfully added to your 
