Is Finansal Kiralama ASIST:ISFIN -1.29%39 Pretax Margin % is 59.79% as of Mar. 2026, which is 9% below its 10-year median of 65.92. GuruFocus rates IST:ISFIN with a GF Score™ of 39/100 and a GF Value™ of ₺25.67 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 533 Credit Services companies, Is Finansal Kiralama AS ranks better than 90.62% on this metric.
The historical rank and industry rank for Is Finansal Kiralama AS's Pretax Margin % or its related term are showing as below:
IST:ISFIN'
s Pretax Margin % Range Over the Past 10 Years
Min: 20.91 Med: 65.92 Max: 75.7
Current: 73.23
IST:ISFIN's Pretax Margin % is ranked better than 90.62% of 533
companies
in the Credit Services industry
Industry Median: 20.02
vs IST:ISFIN: 73.23
Is Finansal Kiralama AS (IST:ISFIN) 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.
Is Finansal Kiralama AS Pretax Margin % Related Terms
Is Finansal Kiralama AS 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.
IST:ISFIN vs V, MA, AXP: Pretax Margin % Comparison
For the Credit Services subindustry, Is Finansal Kiralama AS'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.
Is Finansal Kiralama AS Pretax Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Is Finansal Kiralama AS's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Is Finansal Kiralama AS'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.
Is Finansal Kiralama AS (IST:ISFIN) has a Pretax Margin % of 59.79% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Is Finansal Kiralama AS and its competitors. This is near median its historical median of 65.92. Over the past decade, Is Finansal Kiralama AS's Pretax Margin % has ranged from 20.91 to 75.70. According to the industry distribution chart, Is Finansal Kiralama AS ranks #50 out of 533 companies in the Credit Services industry, placing it in the top 9.4%.
Is Is Finansal Kiralama AS's Pretax Margin % too high?
Is Finansal Kiralama AS's current Pretax Margin % of 59.79% is near median its 10-year median of 65.92. Over the past 10 years, this metric has ranged from a low of 20.91 to a high of 75.70. The Credit Services industry median Pretax Margin % is 20.02. Is Finansal Kiralama AS's value of 59.79% is 198.7% above this industry median. Based on the distribution chart, Is Finansal Kiralama AS ranks #50 out of 533 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Is Finansal Kiralama AS has a GF Score™ of 39/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Is Finansal Kiralama AS's Pretax Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Is Finansal Kiralama AS ranks #50 out of 533 companies for Pretax Margin %. This places Is Finansal Kiralama AS in the top 9% of its industry — outperforming the majority of peers. The industry median Pretax Margin % is 20.02. Is Finansal Kiralama AS's value of 59.79% is 198.7% above this benchmark. Historically, Is Finansal Kiralama AS's own Pretax Margin % has ranged from 20.91 to 75.70 over the past decade. While the company's 10-year median is 65.92 vs. the industry median of 20.02, Is Finansal Kiralama AS 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 20.02, 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. Is Finansal Kiralama AS's current Pretax Margin % of 59.79% is 198.7% 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 Is Finansal Kiralama AS 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. Is Finansal Kiralama AS's current Pretax Margin % is 59.79%, which is near median its own 10-year median of 65.92. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Is Finansal Kiralama AS stock overvalued right now?
Based on GuruFocus' analysis, Is Finansal Kiralama AS (IST:ISFIN) is currently considered Modestly Undervalued. The stock's GF Value™ is ₺25.67, compared to a current price of ₺19.90 — trading 22.5% below its estimated fair value. The current Pretax Margin % is 59.79%, which is near median its 10-year median of 65.92 and 198.7% above the Credit Services industry median of 20.02. Is Finansal Kiralama AS's overall GF Score™ is 39/100 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 Is Finansal Kiralama AS (IST:ISFIN), the current Pretax Margin % is 59.79% 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.
Is Is Finansal Kiralama AS (IST:ISFIN) Overvalued in 2026?
Based on GuruFocus' analysis, Is Finansal Kiralama AS stock appears to be undervalued.
The current stock price of ₺19.90 is trading 22.5% below its estimated GF Value™ of ₺25.67.
GuruFocus considers Is Finansal Kiralama AS to be Modestly Undervalued.
Key valuation signals for IST:ISFIN:
Pretax Margin %: 59.79% (near median its 10-year median of 65.92)
GF Value™: ₺25.67 vs. price of ₺19.90 (22.5% below fair value)
Industry Position: 198.7% above the Credit Services median (#50 of 533)
No single metric tells the full story. See the IST:ISFIN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Is Finansal Kiralama AS is a Turkey-based company, engaged in proving leasing and factoring service in domestic and internationally. The Company has two different operating segments, leasing and factoring. Leasing Includes the Group's finance lease activities, Factoring operations Includes the Group's factoring activities. The company undertakes the leasing of machinery and equipment, real estate, tourism equipment, road transport vehicles, office equipment and textile machinery and others. It provides leasing services such as pre-sale services and after-sale services. Also, the group has a range of leasing products like Sale and Lease Back; Software leasing; Operational Leasing.
39GF Score
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