The historical rank and industry rank for SaveLend Group AB's Pretax Margin % or its related term are showing as below:
OSTO:YIELD'
s Pretax Margin % Range Over the Past 10 Years
Min: -30.96 Med: -21.01 Max: -11.75
Current: -11.75
OSTO:YIELD's Pretax Margin % is ranked worse than 83.86% of 533
companies
in the Credit Services industry
Industry Median: 20.02
vs OSTO:YIELD: -11.75
SaveLend Group AB (OSTO:YIELD) 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.
SaveLend Group AB Pretax Margin % Related Terms
SaveLend Group AB Pretax Margin % Historical Data
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The historical data trend for SaveLend Group AB'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.
OSTO:YIELD vs V, MA, AXP: Pretax Margin % Comparison
For the Credit Services subindustry, SaveLend Group AB'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.
SaveLend Group AB Pretax Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, SaveLend Group AB's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where SaveLend Group AB'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.
SaveLend Group AB (OSTO:YIELD) has a Pretax Margin % of -11.75% as of Dec. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on SaveLend Group AB and its competitors. According to the industry distribution chart, SaveLend Group AB ranks #447 out of 533 companies in the Credit Services industry, placing it in the top 83.9%.
Is SaveLend Group AB's Pretax Margin % too high?
SaveLend Group AB's current Pretax Margin % is -11.75%. Based on the distribution chart, SaveLend Group AB ranks #447 out of 533 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, SaveLend Group AB has a GF Score™ of 56/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does SaveLend Group AB's Pretax Margin % compare to V and MA?
According to the Credit Services industry distribution chart, SaveLend Group AB ranks #447 out of 533 companies for Pretax Margin %. This places SaveLend Group AB in the lower half of its industry. The industry median Pretax Margin % is 20.02. 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. 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 SaveLend Group AB 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. SaveLend Group AB's current Pretax Margin % is -11.75%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SaveLend Group AB stock overvalued right now?
Based on GuruFocus' analysis, SaveLend Group AB (OSTO:YIELD) is currently considered Fairly Valued. The stock's GF Value™ is kr1.70, compared to a current price of kr1.63 — trading 4.1% below its estimated fair value. The current Pretax Margin % is -11.75%. SaveLend Group AB's overall GF Score™ is 56/100 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 SaveLend Group AB (OSTO:YIELD), the current Pretax Margin % is -11.75% as of Dec. 2025. 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 SaveLend Group AB (OSTO:YIELD) Overvalued in 2026?
Based on GuruFocus' analysis, SaveLend Group AB stock appears to be undervalued.
The current stock price of kr1.63 is trading 4.1% below its estimated GF Value™ of kr1.70.
GuruFocus considers SaveLend Group AB to be Fairly Valued.
Key valuation signals for OSTO:YIELD:
Pretax Margin %: -11.75%
GF Value™: kr1.70 vs. price of kr1.63 (4.1% below fair value)
No single metric tells the full story. See the OSTO:YIELD stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
SaveLend Group AB is fintech company engaged in the peer-to-peer lending segment. The group has two operating segments. The Savings Platform encompasses all activities related to savers and intermediated loans. The Invoice Platform is the operating segment that includes all invoice service activities.
56GF Score
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Pretax Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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