International Business Machines (XBUL:IBM) Net Loan

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

XBUL:IBM International Business Machines Corp XBUL:IBM
72 GF Score
Price €202.60
GF Value €201.25
Valuation Fairly Valued
! 2 Warning Signs
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What is International Business Machines Net Loan?

Net Loan only applies to banks and insurance companies.

XBUL:IBM
72GF Score
International Business Machines Corp XBUL:IBM
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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Is International Business Machines (XBUL:IBM) Overvalued in 2026?

Based on GuruFocus' analysis, International Business Machines stock appears to be overvalued. The current stock price of €202.60 is trading 0.7% above its estimated GF Value™ of €201.25. GuruFocus considers International Business Machines to be Fairly Valued.

Key valuation signals for XBUL:IBM:

  • Net Loan:
  • GF Value™: €201.25 vs. price of €202.60 (0.7% above fair value)
  • GF Score™: 72/100 with 2 warning signs

No single metric tells the full story. See the XBUL:IBM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


International Business Machines Business Description

Address One New Orchard Road, Armonk, NY, USA, 10504
Incorporated in 1911, International Business Machines, or IBM, is one of the oldest technology companies in the world. It provides software, IT consulting services, and hardware to help business customers modernize their technology workflows. IBM operates in 175 countries and employs approximately 300,000 people. The company has a robust roster of business partners to service its clients, which includes 95% of all Fortune 500 companies. IBM's products, including Red Hat, watsonx, and mainframes, handle some of the world's most important data workloads in areas like finance and retail.
72GF Score

Get the complete analysis for XBUL:IBM

Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€202.60
Price
€201.25
GF Value