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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.
Payment Financial Technologies Pretax Margin % Related Terms
Payment Financial Technologies 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.
XTAE:PMNT vs MSFT, ORCL, PLTR: Pretax Margin % Comparison
For the Software - Infrastructure subindustry, Payment Financial Technologies'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.
Payment Financial Technologies Pretax Margin % vs Software Industry
For the Software industry and Technology sector, Payment Financial Technologies's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Payment Financial Technologies'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.
Payment Financial Technologies (XTAE:PMNT) has a Pretax Margin % of 43.42% as of Dec. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Payment Financial Technologies and its competitors. This is 100% above median its historical median of 21.69. According to the industry distribution chart, Payment Financial Technologies ranks #85 out of 2832 companies in the Software industry, placing it in the top 3%.
Is Payment Financial Technologies' Pretax Margin % too high?
Payment Financial Technologies' current Pretax Margin % of 43.42% is 100% above median its 10-year median of 21.69. The Software industry median Pretax Margin % is 3.61. Payment Financial Technologies' value of 43.42% is 1104.4% above this industry median. Based on the distribution chart, Payment Financial Technologies ranks #85 out of 2832 companies in the Software industry, which is in the top quartile — a strong position relative to peers. Overall, Payment Financial Technologies has a GF Score™ of 88/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Payment Financial Technologies' Pretax Margin % compare to MSFT and ORCL?
According to the Software industry distribution chart, Payment Financial Technologies ranks #85 out of 2832 companies for Pretax Margin %. This places Payment Financial Technologies in the top 3% of its industry — outperforming the majority of peers. The industry median Pretax Margin % is 3.61. Payment Financial Technologies' value of 43.42% is 1104.4% above this benchmark. While the company's 10-year median is 21.69 vs. the industry median of 3.61, Payment Financial Technologies 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 Software company?
The median Pretax Margin % among Software companies is 3.61, based on 2,832 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. Payment Financial Technologies's current Pretax Margin % of 43.42% is 1104.4% 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 Payment Financial Technologies and its competitors. For the Software industry, the median Pretax Margin % is 3.61 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Payment Financial Technologies's current Pretax Margin % is 43.42%, which is 100% above median its own 10-year median of 21.69. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Payment Financial Technologies stock overvalued right now?
Based on GuruFocus' analysis, Payment Financial Technologies (XTAE:PMNT) is currently considered Modestly Undervalued. The stock's GF Value™ is ₪6.55, compared to a current price of ₪5.76 — trading 12.1% below its estimated fair value. The current Pretax Margin % is 43.42%, which is 100% above median its 10-year median of 21.69 and 1104.4% above the Software industry median of 3.61. Payment Financial Technologies' overall GF Score™ is 88/100 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 Payment Financial Technologies (XTAE:PMNT), the current Pretax Margin % is 43.42% 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 Payment Financial Technologies (XTAE:PMNT) Overvalued in 2026?
Based on GuruFocus' analysis, Payment Financial Technologies stock appears to be undervalued.
The current stock price of ₪5.76 is trading 12.1% below its estimated GF Value™ of ₪6.55.
GuruFocus considers Payment Financial Technologies to be Modestly Undervalued.
Key valuation signals for XTAE:PMNT:
Pretax Margin %: 43.42% (100% above median its 10-year median of 21.69)
GF Value™: ₪6.55 vs. price of ₪5.76 (12.1% below fair value)
Industry Position: 1104.4% above the Software median (#85 of 2832)
No single metric tells the full story. See the XTAE:PMNT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Payment Financial Technologies Ltd owns the PaymenT brand which is a payment platform. It is a means of payment that allows businesses to offer financing to their customers easily, quickly, and conveniently and receive immediate payment for the products and services sold.
88GF Score
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