IBL FinanceNSE:IBLFL 35 Pretax Margin % is 18.66% as of Mar. 2026, which is 7% below its 10-year median of 20.08. GuruFocus rates NSE:IBLFL with a GF Score™ of 35/100. The stock has 8 warning signs investors should review. Among 533 Credit Services companies, IBL Finance ranks worse than 52.35% on this metric.
Pre-Tax margin is calculated as Pre-Tax Income divided by its Revenue. IBL Finance's Pre-Tax Income for the
six
months ended in Mar. 2026 was ₹32.0 Mil. IBL Finance's Revenue for the
six
months ended in Mar. 2026 was ₹171.4 Mil. Therefore, IBL Finance's pretax margin for the quarter that ended in Mar. 2026 was 18.66%.
The historical rank and industry rank for IBL Finance's Pretax Margin % or its related term are showing as below:
NSE:IBLFL'
s Pretax Margin % Range Over the Past 10 Years
Min: -8.23 Med: 20.08 Max: 23.11
Current: 18.66
NSE:IBLFL's Pretax Margin % is ranked worse than 52.35% of 533
companies
in the Credit Services industry
Industry Median: 20.25
vs NSE:IBLFL: 18.66
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.
IBL Finance Pretax Margin % Related Terms
IBL Finance Pretax Margin % Historical Data
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The historical data trend for IBL 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:IBLFL vs V, MA, AXP: Pretax Margin % Comparison
For the Credit Services subindustry, IBL 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.
IBL Finance Pretax Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, IBL Finance's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where IBL 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.
IBL Finance (NSE:IBLFL) has a Pretax Margin % of 18.66% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on IBL Finance and its competitors. This is near median its historical median of 20.08. According to the industry distribution chart, IBL Finance ranks #279 out of 533 companies in the Credit Services industry, placing it in the top 52.3%.
Is IBL Finance's Pretax Margin % too high?
IBL Finance's current Pretax Margin % of 18.66% is near median its 10-year median of 20.08. The Credit Services industry median Pretax Margin % is 20.25. IBL Finance's value of 18.66% is 7.9% below this industry median. Based on the distribution chart, IBL Finance ranks #279 out of 533 companies in the Credit Services industry, which is below the industry midpoint. Overall, IBL Finance has a GF Score™ of 35/100, reflecting its overall financial health beyond just this single metric.
How does IBL Finance's Pretax Margin % compare to V and MA?
According to the Credit Services industry distribution chart, IBL Finance ranks #279 out of 533 companies for Pretax Margin %. This places IBL Finance in the lower half of its industry. The industry median Pretax Margin % is 20.25. IBL Finance's value of 18.66% is 7.9% below this benchmark. While the company's 10-year median is 20.08 vs. the industry median of 20.25, IBL 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 20.25, 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. IBL Finance's current Pretax Margin % of 18.66% is 7.9% 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 IBL Finance and its competitors. For the Credit Services industry, the median Pretax Margin % is 20.25 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. IBL Finance's current Pretax Margin % is 18.66%, which is near median its own 10-year median of 20.08. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is IBL Finance stock overvalued right now?
IBL Finance (NSE:IBLFL) has a current Pretax Margin % of 18.66%. The current Pretax Margin % is 18.66%, which is near median its 10-year median of 20.08 and 7.9% below the Credit Services industry median of 20.25. IBL Finance's overall GF Score™ is 35/100 with 8 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 IBL Finance (NSE:IBLFL), the current Pretax Margin % is 18.66% 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.
IBL Finance Ltd is a fintech-based financial services platform that leverages technology and data science to make lending quick and easy. It has a mobile application that provides instant personal loans which loan up to Rupees 50,000 with tenors of up to 12 months through an entirely digital mobile App-only process. The Company is engaged in one segment only i.e. Loan Segment. The company generates revenue from Interest Income on Loan Portfolio and Loan Processing Fees & Charges.
35GF Score
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