CapiteaWAR:CAP -0.45%61 Pretax Margin % is 9.12% as of Mar. 2026, which is 83% below its 10-year median of 54.80. GuruFocus rates WAR:CAP with a GF Score™ of 61/100 and a GF Value™ of zł0.59 (Modestly Undervalued). The stock has 3 warning signs investors should review. Among 533 Credit Services companies, Capitea ranks worse than 61.35% on this metric.
Pre-Tax margin is calculated as Pre-Tax Income divided by its Revenue. Capitea's Pre-Tax Income for the
three
months ended in Mar. 2026 was zł2.1 Mil. Capitea's Revenue for the
three
months ended in Mar. 2026 was zł22.5 Mil. Therefore, Capitea's pretax margin for the quarter that ended in Mar. 2026 was 9.12%.
The historical rank and industry rank for Capitea's Pretax Margin % or its related term are showing as below:
WAR:CAP'
s Pretax Margin % Range Over the Past 10 Years
Min: -7930.55 Med: 54.8 Max: 254.96
Current: 13.16
WAR:CAP's Pretax Margin % is ranked worse than 61.35% of 533
companies
in the Credit Services industry
Industry Median: 20.02
vs WAR:CAP: 13.16
Capitea (WAR:CAP) 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.
Capitea Pretax Margin % Related Terms
Capitea Pretax Margin % Historical Data
* Premium members only.
The historical data trend for Capitea'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.
For the Credit Services subindustry, Capitea'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.
Capitea Pretax Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Capitea's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Capitea'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.
Capitea (WAR:CAP) has a Pretax Margin % of 9.12% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Capitea and its competitors. This is 83% below median its historical median of 54.80. According to the industry distribution chart, Capitea ranks #327 out of 533 companies in the Credit Services industry, placing it in the top 61.4%.
Is Capitea's Pretax Margin % too high?
Capitea's current Pretax Margin % of 9.12% is 83% below median its 10-year median of 54.80. The Credit Services industry median Pretax Margin % is 20.02. Capitea's value of 9.12% is 54.4% below this industry median. Based on the distribution chart, Capitea ranks #327 out of 533 companies in the Credit Services industry, which is below the industry midpoint. Overall, Capitea has a GF Score™ of 61/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Capitea's Pretax Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Capitea ranks #327 out of 533 companies for Pretax Margin %. This places Capitea in the lower half of its industry. The industry median Pretax Margin % is 20.02. Capitea's value of 9.12% is 54.4% below this benchmark. While the company's 10-year median is 54.80 vs. the industry median of 20.02, Capitea 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 20.02, 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. Capitea's current Pretax Margin % of 9.12% is 54.4% 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 Capitea 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. Capitea's current Pretax Margin % is 9.12%, which is 83% below median its own 10-year median of 54.80. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Capitea stock overvalued right now?
Based on GuruFocus' analysis, Capitea (WAR:CAP) is currently considered Modestly Undervalued. The stock's GF Value™ is zł0.59, compared to a current price of zł0.44 — trading 25.8% below its estimated fair value. The current Pretax Margin % is 9.12%, which is 83% below median its 10-year median of 54.80 and 54.4% below the Credit Services industry median of 20.02. Capitea's overall GF Score™ is 61/100 with 3 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 Capitea (WAR:CAP), the current Pretax Margin % is 9.12% 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 Capitea (WAR:CAP) Overvalued in 2026?
Based on GuruFocus' analysis, Capitea stock appears to be undervalued.
The current stock price of zł0.44 is trading 25.8% below its estimated GF Value™ of zł0.59.
GuruFocus considers Capitea to be Modestly Undervalued.
Key valuation signals for WAR:CAP:
Pretax Margin %: 9.12% (83% below median its 10-year median of 54.80)
GF Value™: zł0.59 vs. price of zł0.44 (25.8% below fair value)
Industry Position: 54.4% below the Credit Services median (#327 of 533)
No single metric tells the full story. See the WAR:CAP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Capitea SA, formerly Getback Spolka Akcyjna is an account receivable manager engaged in the recovery of acquired debts and management of debt portfolios in securitization funds, including restructuring and recovery of acquired debts.
61GF Score
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