VietCredit Finance JSCHSTC:TIN -1.62%29 Pretax Margin % is 48.49% as of Mar. 2026, which is 194% above its 10-year median of 16.48. GuruFocus rates HSTC:TIN with a GF Score™ of 29/100. The stock has 1 warning sign investors should review. Among 1,528 Banks companies, VietCredit Finance JSC ranks better than 82.33% on this metric.
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.
VietCredit Finance JSC Pretax Margin % Related Terms
VietCredit Finance JSC Pretax Margin % Historical Data
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The historical data trend for VietCredit Finance JSC'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 Banks - Regional subindustry, VietCredit Finance JSC'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.
VietCredit Finance JSC Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, VietCredit Finance JSC's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where VietCredit Finance JSC'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.
VietCredit Finance JSC (HSTC:TIN) has a Pretax Margin % of 48.49% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on VietCredit Finance JSC and its competitors. This is 194% above median its historical median of 16.48. According to the industry distribution chart, VietCredit Finance JSC ranks #270 out of 1528 companies in the Banks industry, placing it in the top 17.7%.
Is VietCredit Finance JSC's Pretax Margin % too high?
VietCredit Finance JSC's current Pretax Margin % of 48.49% is 194% above median its 10-year median of 16.48. The Banks industry median Pretax Margin % is 34.72. VietCredit Finance JSC's value of 48.49% is 39.7% above this industry median. Based on the distribution chart, VietCredit Finance JSC ranks #270 out of 1528 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, VietCredit Finance JSC has a GF Score™ of 29/100, reflecting its overall financial health beyond just this single metric.
How does VietCredit Finance JSC's Pretax Margin % compare to competitors?
According to the Banks industry distribution chart, VietCredit Finance JSC ranks #270 out of 1528 companies for Pretax Margin %. This places VietCredit Finance JSC in the top 18% of its industry — outperforming the majority of peers. The industry median Pretax Margin % is 34.72. VietCredit Finance JSC's value of 48.49% is 39.7% above this benchmark. While the company's 10-year median is 16.48 vs. the industry median of 34.72, VietCredit Finance JSC 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 Banks company?
The median Pretax Margin % among Banks companies is 34.72, based on 1,528 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. VietCredit Finance JSC's current Pretax Margin % of 48.49% is 39.7% 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 VietCredit Finance JSC and its competitors. For the Banks industry, the median Pretax Margin % is 34.72 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. VietCredit Finance JSC's current Pretax Margin % is 48.49%, which is 194% above median its own 10-year median of 16.48. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is VietCredit Finance JSC stock overvalued right now?
VietCredit Finance JSC (HSTC:TIN) has a current Pretax Margin % of 48.49%. The current Pretax Margin % is 48.49%, which is 194% above median its 10-year median of 16.48 and 39.7% above the Banks industry median of 34.72. VietCredit Finance JSC's overall GF Score™ is 29/100 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 VietCredit Finance JSC (HSTC:TIN), the current Pretax Margin % is 48.49% 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.
VietCredit Finance JSC is engaged in providing financial services under its Establishment and Operation License, including mobilising and receiving term deposits from organisations, granting short, medium, and long-term loans and consumption loans to organisations and individuals based on its capital sources, and conducting foreign currency trading, treasury services, and other cash services as approved by the SBV. Its products include credit cards, certificates of deposit, and small business loans.
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