Baid FinservNSE:BAIDFIN -0.50%81 Pretax Margin % is 8.66% as of Mar. 2026, which is 60% below its 10-year median of 21.51. GuruFocus rates NSE:BAIDFIN with a GF Score™ of 81/100 and a GF Value™ of ₹20.82 (Possible Value Trap). The stock has 4 warning signs investors should review. Among 533 Credit Services companies, Baid Finserv ranks better than 51.59% on this metric.
Pre-Tax margin is calculated as Pre-Tax Income divided by its Revenue. Baid Finserv's Pre-Tax Income for the
three
months ended in Mar. 2026 was ₹21.7 Mil. Baid Finserv's Revenue for the
three
months ended in Mar. 2026 was ₹250.1 Mil. Therefore, Baid Finserv's pretax margin for the quarter that ended in Mar. 2026 was 8.66%.
The historical rank and industry rank for Baid Finserv's Pretax Margin % or its related term are showing as below:
NSE:BAIDFIN'
s Pretax Margin % Range Over the Past 10 Years
Min: 17.3 Med: 21.51 Max: 28.82
Current: 20.64
NSE:BAIDFIN's Pretax Margin % is ranked better than 51.59% of 533
companies
in the Credit Services industry
Industry Median: 20.02
vs NSE:BAIDFIN: 20.64
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.
Baid Finserv Pretax Margin % Related Terms
Baid Finserv Pretax Margin % Historical Data
* Premium members only.
The historical data trend for Baid Finserv'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.
NSE:BAIDFIN vs V, MA, AXP: Pretax Margin % Comparison
For the Credit Services subindustry, Baid Finserv'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.
Baid Finserv Pretax Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Baid Finserv's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Baid Finserv'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.
Baid Finserv (NSE:BAIDFIN) has a Pretax Margin % of 8.66% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Baid Finserv and its competitors. This is 60% below median its historical median of 21.51. Over the past decade, Baid Finserv's Pretax Margin % has ranged from 17.30 to 28.82. According to the industry distribution chart, Baid Finserv ranks #258 out of 533 companies in the Credit Services industry, placing it in the top 48.4%.
Is Baid Finserv's Pretax Margin % too high?
Baid Finserv's current Pretax Margin % of 8.66% is 60% below median its 10-year median of 21.51. Over the past 10 years, this metric has ranged from a low of 17.30 to a high of 28.82. The Credit Services industry median Pretax Margin % is 20.02. Baid Finserv's value of 8.66% is 56.7% below this industry median. Based on the distribution chart, Baid Finserv ranks #258 out of 533 companies in the Credit Services industry, which is above the industry midpoint. Overall, Baid Finserv has a GF Score™ of 81/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Baid Finserv's Pretax Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Baid Finserv ranks #258 out of 533 companies for Pretax Margin %. This puts Baid Finserv in the upper half of its industry. The industry median Pretax Margin % is 20.02. Baid Finserv's value of 8.66% is 56.7% below this benchmark. Historically, Baid Finserv's own Pretax Margin % has ranged from 17.30 to 28.82 over the past decade. While the company's 10-year median is 21.51 vs. the industry median of 20.02, Baid Finserv has consistently been below 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. Baid Finserv's current Pretax Margin % of 8.66% is 56.7% below 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 Baid Finserv 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. Baid Finserv's current Pretax Margin % is 8.66%, which is 60% below median its own 10-year median of 21.51. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Baid Finserv stock overvalued right now?
Based on GuruFocus' analysis, Baid Finserv (NSE:BAIDFIN) is currently considered Possible Value Trap. The stock's GF Value™ is ₹20.82, compared to a current price of ₹9.94 — trading 52.3% below its estimated fair value. The current Pretax Margin % is 8.66%, which is 60% below median its 10-year median of 21.51 and 56.7% below the Credit Services industry median of 20.02. Baid Finserv's overall GF Score™ is 81/100 with 4 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 Baid Finserv (NSE:BAIDFIN), the current Pretax Margin % is 8.66% 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 Baid Finserv (NSE:BAIDFIN) Overvalued in 2026?
Based on GuruFocus' analysis, Baid Finserv stock appears to be undervalued.
The current stock price of ₹9.94 is trading 52.3% below its estimated GF Value™ of ₹20.82.
GuruFocus considers Baid Finserv to be Possible Value Trap.
Key valuation signals for NSE:BAIDFIN:
Pretax Margin %: 8.66% (60% below median its 10-year median of 21.51)
GF Value™: ₹20.82 vs. price of ₹9.94 (52.3% below fair value)
Industry Position: 56.7% below the Credit Services median (#258 of 533)
No single metric tells the full story. See the NSE:BAIDFIN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Baid Finserv Ltd is a non-banking financial company engaged in vehicle financing, loan against property, and SME lending, hire purchase services, leasing, securities investments, and trading negotiable instruments. The Company operates in a single reporting segment, which is financing. It also provides mortgage loans and top-up loans. The company mainly operates in India.
81GF Score
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