Business Segments · Pre-tax income margin (as a percent)
Financing — Pre-tax income margin (as a percent)
International Business Machines Financing — Pre-tax income margin (as a percent) increased by 50.3% to $0.54 in Q1 2026 compared to the prior quarter. Year-over-year, this metric grew by 50.3%, from $0.36 to $0.54. This is a positive signal — higher values indicate stronger performance for this metric.
Analysis
StatementSegment
CategoryProfitability
SignalHigher is better
VolatilityStable
First reportedQ1 2023
Last reportedQ1 2026
How to read this metric
Higher margins suggest efficient credit risk management and operational cost control, whereas lower margins may indicate increased credit losses or higher funding costs.
Detailed definition
Calculates the ratio of pre-tax income to total revenue for the financing segment. It highlights the efficiency of the s...
Peer comparison
Benchmarkable against other financial services or captive leasing divisions within large enterprise technology companies.
Metric ID:
ibm_segment_financing_pre_tax_income_margin_as_a_percentHistorical Data
8 periods
| Q1 '23 | Q2 '23 | Q3 '23 | Q1 '24 | Q2 '24 | Q3 '24 | Q1 '25 | Q1 '26 | |
|---|---|---|---|---|---|---|---|---|
| Value | 0.5 | 0.3 | 0.5 | 0.5 | 0.5 | 0.5 | 0.4 | 0.5 |
| QoQ Change | — | -32.0% | +41.4% | -3.0% | -5.0% | +4.9% | -24.6% | +50.3% |
| YoY Change | — | — | — | -6.8% | +30.2% | -3.5% | -24.9% | +50.3% |
Range0.3 – 0.5
CAGR+2.9%
Avg YoY Growth+9.0%
Median YoY Growth-3.5%
Similar Metrics at Other Companies
Frequently Asked Questions
- What is International Business Machines's financing — pre-tax income margin (as a percent)?
- International Business Machines (IBM) reported financing — pre-tax income margin (as a percent) of $0.54 in Q1 2026.
- How has International Business Machines's financing — pre-tax income margin (as a percent) changed year-over-year?
- International Business Machines's financing — pre-tax income margin (as a percent) increased by 50.3% year-over-year, from $0.36 to $0.54.
- What does financing — pre-tax income margin (as a percent) mean?
- The percentage of financing revenue that remains as profit before taxes.