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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.
Aeon Thana Sinsap (Thailand) PCL Pretax Margin % Related Terms
Aeon Thana Sinsap (Thailand) PCL Pretax Margin % Historical Data
* 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.
For the Credit Services subindustry, Aeon Thana Sinsap (Thailand) PCL'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.
Aeon Thana Sinsap (Thailand) PCL Pretax Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Aeon Thana Sinsap (Thailand) PCL's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Aeon Thana Sinsap (Thailand) PCL'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.
Aeon Thana Sinsap (Thailand) PCL (STU:AE3) has a Pretax Margin % of 24.20% as of May. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Aeon Thana Sinsap (Thailand) PCL and its competitors. This is near median its historical median of 24.17. Over the past decade, Aeon Thana Sinsap (Thailand) PCL's Pretax Margin % has ranged from 19.84 to 26.43. According to the industry distribution chart, Aeon Thana Sinsap (Thailand) PCL ranks #239 out of 534 companies in the Credit Services industry, placing it in the top 44.8%.
Is Aeon Thana Sinsap (Thailand) PCL's Pretax Margin % too high?
Aeon Thana Sinsap (Thailand) PCL's current Pretax Margin % of 24.20% is near median its 10-year median of 24.17. Over the past 10 years, this metric has ranged from a low of 19.84 to a high of 26.43. The Credit Services industry median Pretax Margin % is 20.22. Aeon Thana Sinsap (Thailand) PCL's value of 24.20% is 19.7% above this industry median. Based on the distribution chart, Aeon Thana Sinsap (Thailand) PCL ranks #239 out of 534 companies in the Credit Services industry, which is above the industry midpoint. Overall, Aeon Thana Sinsap (Thailand) PCL has a GF Score™ of 51/100, reflecting its overall financial health beyond just this single metric.
How does Aeon Thana Sinsap (Thailand) PCL's Pretax Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Aeon Thana Sinsap (Thailand) PCL ranks #239 out of 534 companies for Pretax Margin %. This puts Aeon Thana Sinsap (Thailand) PCL in the upper half of its industry. The industry median Pretax Margin % is 20.22. Aeon Thana Sinsap (Thailand) PCL's value of 24.20% is 19.7% above this benchmark. Historically, Aeon Thana Sinsap (Thailand) PCL's own Pretax Margin % has ranged from 19.84 to 26.43 over the past decade. While the company's 10-year median is 24.17 vs. the industry median of 20.22, Aeon Thana Sinsap (Thailand) PCL has consistently been above 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 20.22, based on 534 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. Aeon Thana Sinsap (Thailand) PCL's current Pretax Margin % of 24.20% is 19.7% above 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 Aeon Thana Sinsap (Thailand) PCL and its competitors. For the Credit Services industry, the median Pretax Margin % is 20.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Aeon Thana Sinsap (Thailand) PCL's current Pretax Margin % is 24.20%, which is near median its own 10-year median of 24.17. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Aeon Thana Sinsap (Thailand) PCL stock overvalued right now?
Aeon Thana Sinsap (Thailand) PCL (STU:AE3) has a current Pretax Margin % of 24.20%. The stock's GF Value™ is €2.44, compared to a current price of €2.30 — trading 5.7% below its estimated fair value. The current Pretax Margin % is 24.20%, which is near median its 10-year median of 24.17 and 19.7% above the Credit Services industry median of 20.22. Aeon Thana Sinsap (Thailand) PCL's overall GF Score™ is 51/100 with 5 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 Aeon Thana Sinsap (Thailand) PCL (STU:AE3), the current Pretax Margin % is 24.20% as of May. 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 Aeon Thana Sinsap (Thailand) PCL (STU:AE3) Overvalued in 2026?
Based on GuruFocus' analysis, Aeon Thana Sinsap (Thailand) PCL stock appears to be undervalued.
The current stock price of €2.30 is trading 5.7% below its estimated GF Value™ of €2.44.
Key valuation signals for STU:AE3:
Pretax Margin %: 24.20% (near median its 10-year median of 24.17)
GF Value™: €2.44 vs. price of €2.30 (5.7% below fair value)
Industry Position: 19.7% above the Credit Services median (#239 of 534)
No single metric tells the full story. See the STU:AE3 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Aeon Thana Sinsap (Thailand) PCL Business Description
Aeon Thana Sinsap (Thailand) PCL provides retail financial services including credit card issuance, hire-purchase loans, and other personal loans that collectively provide almost all the company's revenue. The company operates in two segments; Retail finance services and Other business. It generates maximum revenue from the Retail finance services segment which Consist of credit card, hire-purchase and personal loans and others.
51GF Score
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