SBI AruhiTSE:7198 -0.13%61 Pretax Margin % is 4.59% as of Mar. 2026, which is 81% below its 10-year median of 23.54. GuruFocus rates TSE:7198 with a GF Score™ of 61/100 and a GF Value™ of 円905.44 (Modestly Undervalued). The stock has 9 warning signs investors should review. Among 1,528 Banks companies, SBI Aruhi ranks worse than 89.79% on this metric.
Pre-Tax margin is calculated as Pre-Tax Income divided by its Revenue. SBI Aruhi's Pre-Tax Income for the
three
months ended in Mar. 2026 was 円280 Mil. SBI Aruhi's Revenue for the
three
months ended in Mar. 2026 was 円6,101 Mil. Therefore, SBI Aruhi's pretax margin for the quarter that ended in Mar. 2026 was 4.59%.
The historical rank and industry rank for SBI Aruhi's Pretax Margin % or its related term are showing as below:
TSE:7198'
s Pretax Margin % Range Over the Past 10 Years
Min: 10.89 Med: 23.54 Max: 28.88
Current: 11.08
TSE:7198's Pretax Margin % is ranked worse than 89.79% of 1528
companies
in the Banks industry
Industry Median: 34.665
vs TSE:7198: 11.08
SBI Aruhi (TSE:7198) 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.
SBI Aruhi Pretax Margin % Related Terms
SBI Aruhi Pretax Margin % Historical Data
* Premium members only.
The historical data trend for SBI Aruhi'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.
TSE:7198 vs RKT, FNMA, PFSI: Pretax Margin % Comparison
For the Mortgage Finance subindustry, SBI Aruhi'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.
SBI Aruhi Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, SBI Aruhi's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where SBI Aruhi'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.
SBI Aruhi (TSE:7198) has a Pretax Margin % of 4.59% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on SBI Aruhi and its competitors. This is 81% below median its historical median of 23.54. Over the past decade, SBI Aruhi's Pretax Margin % has ranged from 10.89 to 28.88. According to the industry distribution chart, SBI Aruhi ranks #1372 out of 1528 companies in the Banks industry, placing it in the top 89.8%.
Is SBI Aruhi's Pretax Margin % too high?
SBI Aruhi's current Pretax Margin % of 4.59% is 81% below median its 10-year median of 23.54. Over the past 10 years, this metric has ranged from a low of 10.89 to a high of 28.88. The Banks industry median Pretax Margin % is 34.67. SBI Aruhi's value of 4.59% is 86.8% below this industry median. Based on the distribution chart, SBI Aruhi ranks #1372 out of 1528 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, SBI Aruhi has a GF Score™ of 61/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does SBI Aruhi's Pretax Margin % compare to RKT and FNMA?
According to the Banks industry distribution chart, SBI Aruhi ranks #1372 out of 1528 companies for Pretax Margin %. This places SBI Aruhi in the lower half of its industry. The industry median Pretax Margin % is 34.67. SBI Aruhi's value of 4.59% is 86.8% below this benchmark. Historically, SBI Aruhi's own Pretax Margin % has ranged from 10.89 to 28.88 over the past decade. While the company's 10-year median is 23.54 vs. the industry median of 34.67, SBI Aruhi 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 34.67, based on 1,528 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. SBI Aruhi's current Pretax Margin % of 4.59% is 86.8% 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 SBI Aruhi and its competitors. For the Banks industry, the median Pretax Margin % is 34.67 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SBI Aruhi's current Pretax Margin % is 4.59%, which is 81% below median its own 10-year median of 23.54. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SBI Aruhi stock overvalued right now?
Based on GuruFocus' analysis, SBI Aruhi (TSE:7198) is currently considered Modestly Undervalued. The stock's GF Value™ is 円905.44, compared to a current price of 円790.00 — trading 12.7% below its estimated fair value. The current Pretax Margin % is 4.59%, which is 81% below median its 10-year median of 23.54 and 86.8% below the Banks industry median of 34.67. SBI Aruhi's overall GF Score™ is 61/100 with 9 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 SBI Aruhi (TSE:7198), the current Pretax Margin % is 4.59% 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 SBI Aruhi (TSE:7198) Overvalued in 2026?
Based on GuruFocus' analysis, SBI Aruhi stock appears to be undervalued.
The current stock price of 円790.00 is trading 12.7% below its estimated GF Value™ of 円905.44.
GuruFocus considers SBI Aruhi to be Modestly Undervalued.
Key valuation signals for TSE:7198:
Pretax Margin %: 4.59% (81% below median its 10-year median of 23.54)
GF Value™: 円905.44 vs. price of 円790.00 (12.7% below fair value)
Industry Position: 86.8% below the Banks median (#1372 of 1528)
No single metric tells the full story. See the TSE:7198 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
SBI Aruhi Corp is a Japan-based mortgage specialist financial institution. The company provides insurance brokerage, mortgage lending, bank agency and other services.
61GF 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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