IDFC First BankNSE:IDFCFIRSTB -3.25%73 Pretax Margin % is 2.75% as of Mar. 2026, which is 59% below its 10-year median of 6.66. GuruFocus rates NSE:IDFCFIRSTB with a GF Score™ of 73/100 and a GF Value™ of ₹78.04 (Fairly Valued). The stock has 8 warning signs investors should review. Among 1,526 Banks companies, IDFC First Bank ranks worse than 93.38% on this metric.
The historical rank and industry rank for IDFC First Bank's Pretax Margin % or its related term are showing as below:
NSE:IDFCFIRSTB'
s Pretax Margin % Range Over the Past 10 Years
Min: -101.76 Med: 6.66 Max: 80.48
Current: 6.21
NSE:IDFCFIRSTB's Pretax Margin % is ranked worse than 93.38% of 1526
companies
in the Banks industry
Industry Median: 34.655
vs NSE:IDFCFIRSTB: 6.21
IDFC First Bank (NSE:IDFCFIRSTB) Pretax Margin % Explanation
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.
IDFC First Bank Pretax Margin % Related Terms
IDFC First Bank Pretax Margin % Historical Data
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The historical data trend for IDFC First Bank'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.
IDFC First Bank Pretax Margin % Competitor Comparison
For the Banks - Regional subindustry, IDFC First Bank'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.
IDFC First Bank Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, IDFC First Bank's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where IDFC First Bank'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.
IDFC First Bank (NSE:IDFCFIRSTB) has a Pretax Margin % of 2.75% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on IDFC First Bank and its competitors. This is 59% below median its historical median of 6.66. According to the industry distribution chart, IDFC First Bank ranks #1425 out of 1526 companies in the Banks industry, placing it in the top 93.4%.
Is IDFC First Bank's Pretax Margin % too high?
IDFC First Bank's current Pretax Margin % of 2.75% is 59% below median its 10-year median of 6.66. The Banks industry median Pretax Margin % is 34.66. IDFC First Bank's value of 2.75% is 92.1% below this industry median. Based on the distribution chart, IDFC First Bank ranks #1425 out of 1526 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, IDFC First Bank has a GF Score™ of 73/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does IDFC First Bank's Pretax Margin % compare to competitors?
According to the Banks industry distribution chart, IDFC First Bank ranks #1425 out of 1526 companies for Pretax Margin %. This places IDFC First Bank in the lower half of its industry. The industry median Pretax Margin % is 34.66. IDFC First Bank's value of 2.75% is 92.1% below this benchmark. While the company's 10-year median is 6.66 vs. the industry median of 34.66, IDFC First Bank 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 Banks company?
The median Pretax Margin % among Banks companies is 34.66, based on 1,526 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. IDFC First Bank's current Pretax Margin % of 2.75% is 92.1% 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 IDFC First Bank and its competitors. For the Banks industry, the median Pretax Margin % is 34.66 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. IDFC First Bank's current Pretax Margin % is 2.75%, which is 59% below median its own 10-year median of 6.66. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is IDFC First Bank stock overvalued right now?
Based on GuruFocus' analysis, IDFC First Bank (NSE:IDFCFIRSTB) is currently considered Fairly Valued. The stock's GF Value™ is ₹78.04, compared to a current price of ₹79.46 — trading 1.8% above its estimated fair value. The current Pretax Margin % is 2.75%, which is 59% below median its 10-year median of 6.66 and 92.1% below the Banks industry median of 34.66. IDFC First Bank's overall GF Score™ is 73/100 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 IDFC First Bank (NSE:IDFCFIRSTB), the current Pretax Margin % is 2.75% 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 IDFC First Bank (NSE:IDFCFIRSTB) Overvalued in 2026?
Based on GuruFocus' analysis, IDFC First Bank stock appears to be overvalued.
The current stock price of ₹79.46 is trading 1.8% above its estimated GF Value™ of ₹78.04.
GuruFocus considers IDFC First Bank to be Fairly Valued.
Key valuation signals for NSE:IDFCFIRSTB:
Pretax Margin %: 2.75% (59% below median its 10-year median of 6.66)
GF Value™: ₹78.04 vs. price of ₹79.46 (1.8% above fair value)
Industry Position: 92.1% below the Banks median (#1425 of 1526)
No single metric tells the full story. See the NSE:IDFCFIRSTB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
IDFC First Bank Ltd provides banking services including lending to individuals, providing loans, non-fund facilities, transaction services, corporate advisory, project appraisal placement, and syndication through the branch network and other delivery channels. The bank holds an investment portfolio, money market borrowing and lending, investment operations, and an entire foreign exchange and derivative portfolio. It organizes its business into four segments namely Treasury, Corporate and Wholesale, Retail, and Other Banking Business. The company generates maximum revenue from the Retail banking segment.
73GF Score
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