Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Qfin HoldingsMEX:QFINN +1.05%37 Pretax Margin % is 41.86% as of Jun. 2026, which is 1% above its 10-year median of 41.61. GuruFocus rates MEX:QFINN with a GF Score™ of 37/100 and a GF Value™ of MXN452.11 (Significantly Undervalued). The stock has 2 warning signs investors should review. Among 538 Credit Services companies, Qfin Holdings ranks better than 72.49% on this metric.
Pre-Tax margin is calculated as Pre-Tax Income divided by its Revenue. Qfin Holdings's Pre-Tax Income for the
three
months ended in Jun. 2026 was MXN2,813 Mil. Qfin Holdings's Revenue for the
three
months ended in Jun. 2026 was MXN6,721 Mil. Therefore, Qfin Holdings's pretax margin for the quarter that ended in Jun. 2026 was 41.86%.
The historical rank and industry rank for Qfin Holdings's Pretax Margin % or its related term are showing as below:
MEX:QFINN'
s Pretax Margin % Range Over the Past 10 Years
Min: 32.56 Med: 41.61 Max: 56.22
Current: 41.63
MEX:QFINN's Pretax Margin % is ranked better than 72.49% of 538
companies
in the Credit Services industry
Industry Median: 21.525
vs MEX:QFINN: 41.63
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.
Qfin Holdings Pretax Margin % Related Terms
Qfin Holdings Pretax Margin % Historical Data
* Premium members only.
The historical data trend for Qfin 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.
MEX:QFINN vs ATLC, EZPW, ECPG: Pretax Margin % Comparison
For the Credit Services subindustry, Qfin 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.
Qfin Holdings Pretax Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Qfin Holdings's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Qfin 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.
Qfin Holdings (MEX:QFINN) has a Pretax Margin % of 41.86% as of Jun. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Qfin Holdings and its competitors. This is near median its historical median of 41.61. Over the past decade, Qfin Holdings' Pretax Margin % has ranged from 32.56 to 56.22. According to the industry distribution chart, Qfin Holdings ranks #148 out of 538 companies in the Credit Services industry, placing it in the top 27.5%.
Is Qfin Holdings' Pretax Margin % too high?
Qfin Holdings' current Pretax Margin % of 41.86% is near median its 10-year median of 41.61. Over the past 10 years, this metric has ranged from a low of 32.56 to a high of 56.22. The Credit Services industry median Pretax Margin % is 21.53. Qfin Holdings' value of 41.86% is 94.5% above this industry median. Based on the distribution chart, Qfin Holdings ranks #148 out of 538 companies in the Credit Services industry, which is above the industry midpoint. Overall, Qfin Holdings has a GF Score™ of 37/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Qfin Holdings' Pretax Margin % compare to ATLC and EZPW?
According to the Credit Services industry distribution chart, Qfin Holdings ranks #148 out of 538 companies for Pretax Margin %. This puts Qfin Holdings in the upper half of its industry. The industry median Pretax Margin % is 21.53. Qfin Holdings' value of 41.86% is 94.5% above this benchmark. Historically, Qfin Holdings' own Pretax Margin % has ranged from 32.56 to 56.22 over the past decade. While the company's 10-year median is 41.61 vs. the industry median of 21.53, Qfin Holdings 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 21.53, based on 538 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. Qfin Holdings's current Pretax Margin % of 41.86% is 94.5% 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 Qfin Holdings and its competitors. For the Credit Services industry, the median Pretax Margin % is 21.53 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Qfin Holdings's current Pretax Margin % is 41.86%, which is near median its own 10-year median of 41.61. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Qfin Holdings stock overvalued right now?
Based on GuruFocus' analysis, Qfin Holdings (MEX:QFINN) is currently considered Significantly Undervalued. The stock's GF Value™ is MXN452.11, compared to a current price of MXN192.00 — trading 57.5% below its estimated fair value. The current Pretax Margin % is 41.86%, which is near median its 10-year median of 41.61 and 94.5% above the Credit Services industry median of 21.53. Qfin Holdings' overall GF Score™ is 37/100 with 2 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 Qfin Holdings (MEX:QFINN), the current Pretax Margin % is 41.86% 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 Qfin Holdings (MEX:QFINN) Overvalued in 2026?
Based on GuruFocus' analysis, Qfin Holdings stock appears to be undervalued.
The current stock price of MXN192.00 is trading 57.5% below its estimated GF Value™ of MXN452.11.
GuruFocus considers Qfin Holdings to be Significantly Undervalued.
Key valuation signals for MEX:QFINN:
Pretax Margin %: 41.86% (near median its 10-year median of 41.61)
GF Value™: MXN452.11 vs. price of MXN192.00 (57.5% below fair value)
Industry Position: 94.5% above the Credit Services median (#148 of 538)
No single metric tells the full story. See the MEX:QFINN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Qfin Holdings Inc is engaged in matching individual borrowers with credit demand to a diversified pool of financial institutions with credit to supply through a financial technology platform. It has released large-scale financial credit multimodal benchmark, building a critical bridge between credit AI research and real-world applications.
37GF Score
Get the complete analysis for MEX:QFINN
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
MEX:QFINN has been successfully added to your 
