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.
NMB Microfinance Bittiyanstha Pretax Margin % Related Terms
NMB Microfinance Bittiyanstha 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.
XNEP:NMBMF vs V, MA, AXP: Pretax Margin % Comparison
For the Credit Services subindustry, NMB Microfinance Bittiyanstha'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.
NMB Microfinance Bittiyanstha Pretax Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, NMB Microfinance Bittiyanstha's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where NMB Microfinance Bittiyanstha'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.
NMB Microfinance Bittiyanstha (XNEP:NMBMF) has a Pretax Margin % of 32.49% as of Apr. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on NMB Microfinance Bittiyanstha and its competitors. This is 24% above median its historical median of 26.21. According to the industry distribution chart, NMB Microfinance Bittiyanstha ranks #265 out of 533 companies in the Credit Services industry, placing it in the top 49.7%.
Is NMB Microfinance Bittiyanstha's Pretax Margin % too high?
NMB Microfinance Bittiyanstha's current Pretax Margin % of 32.49% is 24% above median its 10-year median of 26.21. The Credit Services industry median Pretax Margin % is 20.25. NMB Microfinance Bittiyanstha's value of 32.49% is 60.4% above this industry median. Based on the distribution chart, NMB Microfinance Bittiyanstha ranks #265 out of 533 companies in the Credit Services industry, which is above the industry midpoint. Overall, NMB Microfinance Bittiyanstha has a GF Score™ of 53/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does NMB Microfinance Bittiyanstha's Pretax Margin % compare to V and MA?
According to the Credit Services industry distribution chart, NMB Microfinance Bittiyanstha ranks #265 out of 533 companies for Pretax Margin %. This puts NMB Microfinance Bittiyanstha in the upper half of its industry. The industry median Pretax Margin % is 20.25. NMB Microfinance Bittiyanstha's value of 32.49% is 60.4% above this benchmark. While the company's 10-year median is 26.21 vs. the industry median of 20.25, NMB Microfinance Bittiyanstha 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 20.25, 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. NMB Microfinance Bittiyanstha's current Pretax Margin % of 32.49% is 60.4% 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 NMB Microfinance Bittiyanstha and its competitors. For the Credit Services industry, the median Pretax Margin % is 20.25 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. NMB Microfinance Bittiyanstha's current Pretax Margin % is 32.49%, which is 24% above median its own 10-year median of 26.21. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is NMB Microfinance Bittiyanstha stock overvalued right now?
Based on GuruFocus' analysis, NMB Microfinance Bittiyanstha (XNEP:NMBMF) is currently considered Possible Value Trap. The stock's GF Value™ is NPR2,184.30, compared to a current price of NPR608.00 — trading 72.2% below its estimated fair value. The current Pretax Margin % is 32.49%, which is 24% above median its 10-year median of 26.21 and 60.4% above the Credit Services industry median of 20.25. NMB Microfinance Bittiyanstha's overall GF Score™ is 53/100 with 2 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 NMB Microfinance Bittiyanstha (XNEP:NMBMF), the current Pretax Margin % is 32.49% as of Apr. 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 NMB Microfinance Bittiyanstha (XNEP:NMBMF) Overvalued in 2026?
Based on GuruFocus' analysis, NMB Microfinance Bittiyanstha stock appears to be undervalued.
The current stock price of NPR608.00 is trading 72.2% below its estimated GF Value™ of NPR2,184.30.
GuruFocus considers NMB Microfinance Bittiyanstha to be Possible Value Trap.
Key valuation signals for XNEP:NMBMF:
Pretax Margin %: 32.49% (24% above median its 10-year median of 26.21)
GF Value™: NPR2,184.30 vs. price of NPR608.00 (72.2% below fair value)
Industry Position: 60.4% above the Credit Services median (#265 of 533)
No single metric tells the full story. See the XNEP:NMBMF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
NMB Microfinance Bittiyanstha Business Description
NMB Microfinance Bittiya Sanstha Ltd is a Nepal-based financial institution engaged in providing microfinance services to low-income and underserved households across the Hilly, Mountain, and Terai regions of Nepal. The company mainly serves individuals in the informal sector, focusing on financial inclusion and income-generating activities. Its services include micro-lending, savings and deposit products, and microinsurance.
53GF Score
Get the complete analysis for XNEP:NMBMF
Pretax Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
XNEP:NMBMF has been successfully added to your 
