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PT KDB Tifa Finance TbkISX:TIFA -3.91%74 Pretax Margin % is 56.49% as of Jun. 2026, which is 85% above its 10-year median of 30.55. GuruFocus rates ISX:TIFA with a GF Score™ of 74/100 and a GF Value™ of Rp525.03 (Possible Value Trap). The stock has 6 warning signs investors should review. Among 539 Credit Services companies, PT KDB Tifa Finance Tbk ranks better than 76.07% 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.
PT KDB Tifa Finance Tbk Pretax Margin % Related Terms
PT KDB Tifa Finance Tbk 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.
ISX:TIFA vs V, MA, AXP: Pretax Margin % Comparison
For the Credit Services subindustry, PT KDB Tifa Finance Tbk'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.
PT KDB Tifa Finance Tbk Pretax Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, PT KDB Tifa Finance Tbk's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where PT KDB Tifa Finance Tbk'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.
PT KDB Tifa Finance Tbk (ISX:TIFA) has a Pretax Margin % of 56.49% as of Jun. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on PT KDB Tifa Finance Tbk and its competitors. This is 85% above median its historical median of 30.55. Over the past decade, PT KDB Tifa Finance Tbk's Pretax Margin % has ranged from 14.01 to 48.17. According to the industry distribution chart, PT KDB Tifa Finance Tbk ranks #129 out of 539 companies in the Credit Services industry, placing it in the top 23.9%.
Is PT KDB Tifa Finance Tbk's Pretax Margin % too high?
PT KDB Tifa Finance Tbk's current Pretax Margin % of 56.49% is 85% above median its 10-year median of 30.55. Over the past 10 years, this metric has ranged from a low of 14.01 to a high of 48.17. The Credit Services industry median Pretax Margin % is 20.64. PT KDB Tifa Finance Tbk's value of 56.49% is 173.7% above this industry median. Based on the distribution chart, PT KDB Tifa Finance Tbk ranks #129 out of 539 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, PT KDB Tifa Finance Tbk has a GF Score™ of 74/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does PT KDB Tifa Finance Tbk's Pretax Margin % compare to V and MA?
According to the Credit Services industry distribution chart, PT KDB Tifa Finance Tbk ranks #129 out of 539 companies for Pretax Margin %. This places PT KDB Tifa Finance Tbk in the top 24% of its industry — outperforming the majority of peers. The industry median Pretax Margin % is 20.64. PT KDB Tifa Finance Tbk's value of 56.49% is 173.7% above this benchmark. Historically, PT KDB Tifa Finance Tbk's own Pretax Margin % has ranged from 14.01 to 48.17 over the past decade. While the company's 10-year median is 30.55 vs. the industry median of 20.64, PT KDB Tifa Finance Tbk 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 20.64, based on 539 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. PT KDB Tifa Finance Tbk's current Pretax Margin % of 56.49% is 173.7% 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 PT KDB Tifa Finance Tbk and its competitors. For the Credit Services industry, the median Pretax Margin % is 20.64 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PT KDB Tifa Finance Tbk's current Pretax Margin % is 56.49%, which is 85% above median its own 10-year median of 30.55. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PT KDB Tifa Finance Tbk stock overvalued right now?
Based on GuruFocus' analysis, PT KDB Tifa Finance Tbk (ISX:TIFA) is currently considered Possible Value Trap. The stock's GF Value™ is Rp525.03, compared to a current price of Rp344.00 — trading 34.5% below its estimated fair value. The current Pretax Margin % is 56.49%, which is 85% above median its 10-year median of 30.55 and 173.7% above the Credit Services industry median of 20.64. PT KDB Tifa Finance Tbk's overall GF Score™ is 74/100 with 6 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 PT KDB Tifa Finance Tbk (ISX:TIFA), the current Pretax Margin % is 56.49% as of Jun. 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 PT KDB Tifa Finance Tbk (ISX:TIFA) Overvalued in 2026?
Based on GuruFocus' analysis, PT KDB Tifa Finance Tbk stock appears to be undervalued.
The current stock price of Rp344.00 is trading 34.5% below its estimated GF Value™ of Rp525.03.
GuruFocus considers PT KDB Tifa Finance Tbk to be Possible Value Trap.
Key valuation signals for ISX:TIFA:
Pretax Margin %: 56.49% (85% above median its 10-year median of 30.55)
GF Value™: Rp525.03 vs. price of Rp344.00 (34.5% below fair value)
Industry Position: 173.7% above the Credit Services median (#129 of 539)
No single metric tells the full story. See the ISX:TIFA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
PT KDB Tifa Finance Tbk is a financial service company. Its activities comprise investment financing, sharia financing, working capital financing, multipurpose financing, other financing business activities based on approval of OJK, operating lease, and/or fee-based activities to the extent not inconsistent with legislation. The Company has four segments, including finance lease, multipurpose financing, sharia financing, and treasury. It generates maximum revenue from the Finance Lease segment.
74GF Score
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