Krungthai Card PCLKGTHY 69 Pretax Margin % is 49.09% as of Mar. 2026, which is 19% above its 10-year median of 41.19. GuruFocus rates KGTHY with a GF Score™ of 69/100 and a GF Value™ of $15.04 (Significantly Undervalued). The stock has 5 warning signs investors should review. Among 533 Credit Services companies, Krungthai Card PCL ranks better than 79.74% 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.
Krungthai Card PCL Pretax Margin % Related Terms
Krungthai Card PCL Pretax Margin % Historical Data
* Premium members only.
The historical data trend for Krungthai Card PCL'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 Credit Services subindustry, Krungthai Card PCL'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.
Krungthai Card PCL Pretax Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Krungthai Card PCL's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Krungthai Card PCL'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.
Krungthai Card PCL (KGTHY) has a Pretax Margin % of 49.09% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Krungthai Card PCL and its competitors. This is 19% above median its historical median of 41.19. Over the past decade, Krungthai Card PCL's Pretax Margin % has ranged from 22.82 to 48.75. According to the industry distribution chart, Krungthai Card PCL ranks #108 out of 533 companies in the Credit Services industry, placing it in the top 20.3%.
Is Krungthai Card PCL's Pretax Margin % too high?
Krungthai Card PCL's current Pretax Margin % of 49.09% is 19% above median its 10-year median of 41.19. Over the past 10 years, this metric has ranged from a low of 22.82 to a high of 48.75. The Credit Services industry median Pretax Margin % is 20.02. Krungthai Card PCL's value of 49.09% is 145.2% above this industry median. Based on the distribution chart, Krungthai Card PCL ranks #108 out of 533 companies in the Credit Services industry, which is in the top quartile — a strong position relative to peers. Overall, Krungthai Card PCL has a GF Score™ of 69/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Krungthai Card PCL's Pretax Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Krungthai Card PCL ranks #108 out of 533 companies for Pretax Margin %. This places Krungthai Card PCL in the top 20% of its industry — outperforming the majority of peers. The industry median Pretax Margin % is 20.02. Krungthai Card PCL's value of 49.09% is 145.2% above this benchmark. Historically, Krungthai Card PCL's own Pretax Margin % has ranged from 22.82 to 48.75 over the past decade. While the company's 10-year median is 41.19 vs. the industry median of 20.02, Krungthai Card PCL 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. Krungthai Card PCL's current Pretax Margin % of 49.09% is 145.2% 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 Krungthai Card PCL 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. Krungthai Card PCL's current Pretax Margin % is 49.09%, which is 19% above median its own 10-year median of 41.19. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Krungthai Card PCL stock overvalued right now?
Based on GuruFocus' analysis, Krungthai Card PCL (KGTHY) is currently considered Significantly Undervalued. The stock's GF Value™ is $15.04, compared to a current price of $9.38 — trading 37.6% below its estimated fair value. The current Pretax Margin % is 49.09%, which is 19% above median its 10-year median of 41.19 and 145.2% above the Credit Services industry median of 20.02. Krungthai Card PCL's overall GF Score™ is 69/100 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 Krungthai Card PCL (KGTHY), the current Pretax Margin % is 49.09% 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 Krungthai Card PCL (KGTHY) Overvalued in 2026?
Based on GuruFocus' analysis, Krungthai Card PCL stock appears to be undervalued.
The current stock price of $9.38 is trading 37.6% below its estimated GF Value™ of $15.04.
GuruFocus considers Krungthai Card PCL to be Significantly Undervalued.
Key valuation signals for KGTHY:
Pretax Margin %: 49.09% (19% above median its 10-year median of 41.19)
GF Value™: $15.04 vs. price of $9.38 (37.6% below fair value)
Industry Position: 145.2% above the Credit Services median (#108 of 533)
No single metric tells the full story. See the KGTHY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Krungthai Card PCL engaged in credit cards, personal loans and other related businesses. The Company provides services such as Credit Cards, Personal Loans, KTC Brother Boom Money, MAAI by KTC, Shop business and many. The company operations relate to a single business segment which is the financial services business and are carried out in a single geographic area which is Thailand.
69GF Score
Get the complete analysis for KGTHY
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
KGTHY has been successfully added to your 
