Fusion FinanceNSE:FUSION -3.65%73 Pretax Margin % is 10.05% as of Mar. 2026, which is 43% above its 10-year median of 7.05. GuruFocus rates NSE:FUSION with a GF Score™ of 73/100 and a GF Value™ of ₹140.38 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 533 Credit Services companies, Fusion Finance ranks worse than 81.24% 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.
Fusion Finance Pretax Margin % Related Terms
Fusion Finance Pretax Margin % Historical Data
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The historical data trend for Fusion Finance'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:FUSION vs V, MA, AXP: Pretax Margin % Comparison
For the Credit Services subindustry, Fusion Finance'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.
Fusion Finance Pretax Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Fusion Finance's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Fusion Finance'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.
Fusion Finance (NSE:FUSION) has a Pretax Margin % of 10.05% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Fusion Finance and its competitors. This is 43% above median its historical median of 7.05. According to the industry distribution chart, Fusion Finance ranks #433 out of 533 companies in the Credit Services industry, placing it in the top 81.2%.
Is Fusion Finance's Pretax Margin % too high?
Fusion Finance's current Pretax Margin % of 10.05% is 43% above median its 10-year median of 7.05. The Credit Services industry median Pretax Margin % is 20.02. Fusion Finance's value of 10.05% is 49.8% below this industry median. Based on the distribution chart, Fusion Finance ranks #433 out of 533 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Fusion Finance has a GF Score™ of 73/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Fusion Finance's Pretax Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Fusion Finance ranks #433 out of 533 companies for Pretax Margin %. This places Fusion Finance in the lower half of its industry. The industry median Pretax Margin % is 20.02. Fusion Finance's value of 10.05% is 49.8% below this benchmark. While the company's 10-year median is 7.05 vs. the industry median of 20.02, Fusion Finance 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. Fusion Finance's current Pretax Margin % of 10.05% is 49.8% 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 Fusion Finance 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. Fusion Finance's current Pretax Margin % is 10.05%, which is 43% above median its own 10-year median of 7.05. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Fusion Finance stock overvalued right now?
Based on GuruFocus' analysis, Fusion Finance (NSE:FUSION) is currently considered Significantly Overvalued. The stock's GF Value™ is ₹140.38, compared to a current price of ₹185.74 — trading 32.3% above its estimated fair value. The current Pretax Margin % is 10.05%, which is 43% above median its 10-year median of 7.05 and 49.8% below the Credit Services industry median of 20.02. Fusion Finance's overall GF Score™ is 73/100 with 6 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 Fusion Finance (NSE:FUSION), the current Pretax Margin % is 10.05% 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 Fusion Finance (NSE:FUSION) Overvalued in 2026?
Based on GuruFocus' analysis, Fusion Finance stock appears to be overvalued.
The current stock price of ₹185.74 is trading 32.3% above its estimated GF Value™ of ₹140.38.
GuruFocus considers Fusion Finance to be Significantly Overvalued.
Key valuation signals for NSE:FUSION:
Pretax Margin %: 10.05% (43% above median its 10-year median of 7.05)
GF Value™: ₹140.38 vs. price of ₹185.74 (32.3% above fair value)
Industry Position: 49.8% below the Credit Services median (#433 of 533)
No single metric tells the full story. See the NSE:FUSION stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Fusion Finance Ltd is engaged in microfinance lending activities, providing financial services to poor women in India who are organized as Joint Liability Groups (JLGs). Apart from microfinance lending, the company also has lending to MSME enterprises. It uses its distribution channel to provide other financial products and services to the members related to providing of loans to the members for the purchase of certain productivity-enhancing products such as mobile handsets, and bicycles.
73GF Score
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