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J and Friends HoldingsJF +1.09%24 Pretax Margin % is -19.67% as of Dec. 2025. GuruFocus rates JF with a GF Score™ of 24/100. The stock has 5 warning signs investors should review. Among 534 Credit Services companies, J and Friends Holdings ranks worse than 91.39% on this metric.
J and Friends Holdings (NAS:JF) 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.
J and Friends Holdings Pretax Margin % Related Terms
J and Friends Holdings Pretax Margin % Historical Data
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The historical data trend for J and Friends Holdings'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.
JF vs STQN, AIJTY, SPST: Pretax Margin % Comparison
For the Credit Services subindustry, J and Friends Holdings'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.
J and Friends Holdings Pretax Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, J and Friends Holdings's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where J and Friends Holdings'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.
J and Friends Holdings (JF) has a Pretax Margin % of -19.67% as of Dec. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on J and Friends Holdings and its competitors. According to the industry distribution chart, J and Friends Holdings ranks #488 out of 534 companies in the Credit Services industry, placing it in the top 91.4%.
Is J and Friends Holdings' Pretax Margin % too high?
J and Friends Holdings' current Pretax Margin % is -19.67%. Based on the distribution chart, J and Friends Holdings ranks #488 out of 534 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, J and Friends Holdings has a GF Score™ of 24/100, reflecting its overall financial health beyond just this single metric.
How does J and Friends Holdings' Pretax Margin % compare to STQN and AIJTY?
According to the Credit Services industry distribution chart, J and Friends Holdings ranks #488 out of 534 companies for Pretax Margin %. This places J and Friends Holdings in the lower half of its industry. The industry median Pretax Margin % is 21.61. 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 21.61, based on 534 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. 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 J and Friends Holdings and its competitors. For the Credit Services industry, the median Pretax Margin % is 21.61 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. J and Friends Holdings's current Pretax Margin % is -19.67%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is J and Friends Holdings stock overvalued right now?
J and Friends Holdings (JF) has a current Pretax Margin % of -19.67%. The current Pretax Margin % is -19.67%. J and Friends Holdings' overall GF Score™ is 24/100 with 5 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 J and Friends Holdings (JF), the current Pretax Margin % is -19.67% 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.
J and Friends Holdings Ltd providing merchant digitalization and commerce-enablement solutions to small and medium enterprises (SME). Its solutions feature critical functionality that SMEs need to engage with consumers, manage their operations, accept payments, and grow their business. Such solutions empower single- and multi-location retailers, restaurants, and other SMEs to compete successfully in an omni-channel market environment by engaging with consumers across online, mobile, and physical channels. The group conducts all of its current operations in Australia and generates revenues from continuing operations are derived from within Australia.
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