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The historical rank and industry rank for Arman Financial Services's Pretax Margin % or its related term are showing as below:
NSE:ARMANFIN'
s Pretax Margin % Range Over the Past 10 Years
Min: 6.26 Med: 19.42 Max: 38.89
Current: 12.7
NSE:ARMANFIN's Pretax Margin % is ranked worse than 62.17% of 534
companies
in the Credit Services industry
Industry Median: 20.105
vs NSE:ARMANFIN: 12.70
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.
Arman Financial Services Pretax Margin % Related Terms
Arman Financial Services 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.
NSE:ARMANFIN vs V, MA, AXP: Pretax Margin % Comparison
For the Credit Services subindustry, Arman Financial Services'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.
Arman Financial Services Pretax Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Arman Financial Services's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Arman Financial Services'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.
Arman Financial Services (NSE:ARMANFIN) has a Pretax Margin % of 25.31% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Arman Financial Services and its competitors. This is 30% above median its historical median of 19.42. Over the past decade, Arman Financial Services' Pretax Margin % has ranged from 6.26 to 38.89. According to the industry distribution chart, Arman Financial Services ranks #332 out of 534 companies in the Credit Services industry, placing it in the top 62.2%.
Is Arman Financial Services' Pretax Margin % too high?
Arman Financial Services' current Pretax Margin % of 25.31% is 30% above median its 10-year median of 19.42. Over the past 10 years, this metric has ranged from a low of 6.26 to a high of 38.89. The Credit Services industry median Pretax Margin % is 20.11. Arman Financial Services' value of 25.31% is 25.9% above this industry median. Based on the distribution chart, Arman Financial Services ranks #332 out of 534 companies in the Credit Services industry, which is below the industry midpoint. Overall, Arman Financial Services has a GF Score™ of 84/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Arman Financial Services' Pretax Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Arman Financial Services ranks #332 out of 534 companies for Pretax Margin %. This places Arman Financial Services in the lower half of its industry. The industry median Pretax Margin % is 20.11. Arman Financial Services' value of 25.31% is 25.9% above this benchmark. Historically, Arman Financial Services' own Pretax Margin % has ranged from 6.26 to 38.89 over the past decade. While the company's 10-year median is 19.42 vs. the industry median of 20.11, Arman Financial Services 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 20.11, 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. Arman Financial Services's current Pretax Margin % of 25.31% is 25.9% 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 Arman Financial Services and its competitors. For the Credit Services industry, the median Pretax Margin % is 20.11 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Arman Financial Services's current Pretax Margin % is 25.31%, which is 30% above median its own 10-year median of 19.42. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Arman Financial Services stock overvalued right now?
Based on GuruFocus' analysis, Arman Financial Services (NSE:ARMANFIN) is currently considered Modestly Overvalued. The stock's GF Value™ is ₹1,685.16, compared to a current price of ₹1,965.80 — trading 16.7% above its estimated fair value. The current Pretax Margin % is 25.31%, which is 30% above median its 10-year median of 19.42 and 25.9% above the Credit Services industry median of 20.11. Arman Financial Services' overall GF Score™ is 84/100 with 7 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 Arman Financial Services (NSE:ARMANFIN), the current Pretax Margin % is 25.31% 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 Arman Financial Services (NSE:ARMANFIN) Overvalued in 2026?
Based on GuruFocus' analysis, Arman Financial Services stock appears to be overvalued.
The current stock price of ₹1,965.80 is trading 16.7% above its estimated GF Value™ of ₹1,685.16.
GuruFocus considers Arman Financial Services to be Modestly Overvalued.
Key valuation signals for NSE:ARMANFIN:
Pretax Margin %: 25.31% (30% above median its 10-year median of 19.42)
GF Value™: ₹1,685.16 vs. price of ₹1,965.80 (16.7% above fair value)
Industry Position: 25.9% above the Credit Services median (#332 of 534)
No single metric tells the full story. See the NSE:ARMANFIN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Arman Financial Services Ltd is a Non-Banking Financial Company (NBFC-AFC) registered with the RBI. It specialises in financing two-wheeler purchases to MSMEs and extends microfinance services through its subsidiary focusing on women entrepreneurs. The Company has a presence in several Indian states, strategically focusing on rural and semi-urban areas. It serves the underserved informal sector with small-scale retail loans. The company generates the majority of its revenue from Interest Income. All the operations of the company are in India.
84GF Score
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