Net Interest Margin (Bank Only) % is a measure of the difference between the interest income generated by banks or other financial institutions and the amount of interest paid out to their lenders (for example, deposits), relative to the amount of their interest-earning assets. It is usually calculated as a percentage of what the financial institution earns on loans in a time period and other assets minus the interest paid on borrowed funds divided by the average amount of the assets on which it earned income in that time period (the average earning assets).
GuruFocus calculates Net Interest Margin (Bank Only) % as Net Interest Income (for Banks) divided by its average earning assets. Finance House PJSC's annualizedNet Interest Income (for Banks) for the quarter that ended in Jun. 2025 was د.إ119.4 Mil. Finance House PJSC's average earning assets for the quarter that ended in Jun. 2025 was د.إ1,991.6 Mil. Therefore, Finance House PJSC's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Jun. 2025 was 5.99%.
Finance House PJSC (ADX:FH) Net Interest Margin (Bank Only) % Explanation
The negative value of Net Interest Margin (Bank Only) % mean the firm pays more interest for its debt than the interest revenue generated from its investment.
Finance House PJSC Net Interest Margin (Bank Only) % Related Terms
Finance House PJSC Net Interest Margin (Bank Only) % Historical Data
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The historical data trend for Finance House PJSC's Net Interest Margin (Bank Only) % 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.
Finance House PJSC Net Interest Margin (Bank Only) % Chart
ADX:FH vs V, MA, AXP: Net Interest Margin (Bank Only) % Comparison
For the Credit Services subindustry, Finance House PJSC's Net Interest Margin (Bank Only) %, along with its competitors' market caps and Net Interest Margin (Bank Only) % 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.
Finance House PJSC Net Interest Margin (Bank Only) % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Finance House PJSC's Net Interest Margin (Bank Only) % distribution charts can be found below:
* The bar in red indicates where Finance House PJSC's Net Interest Margin (Bank Only) % falls into.
Finance House PJSC Net Interest Margin (Bank Only) % Calculation
Net Interest Margin (Bank Only) % (NIM) is a measure of the difference between the interest income generated by banks or other financial institutions and the amount of interest paid out to their lenders (for example, deposits), relative to the amount of their interest-earning assets. It is usually calculated as a percentage of what the financial institution earns on loans in a time period and other assets minus the interest paid on borrowed funds divided by the average amount of the assets on which it earned income in that time period (the average earning assets).
Finance House PJSC's annualized Net Interest Margin (Bank Only) % for the fiscal year that ended in Dec. 2024 is calculated as
* 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.
In the calculation of annual Net Interest Margin (Bank Only) %, the Net Interest Income (for Banks) of the last fiscal year and the average earning assets over the fiscal year are used. In calculating the quarterly data,
the Net Interest Income (for Banks) data used here is four times the quarterly (Jun. 2025) net interest income data.
Net Interest Margin (Bank Only) % is displayed in the 30-year financial page for Banks.
What does a Net Interest Margin (Bank Only) % of 5.99% mean?
Finance House PJSC (ADX:FH) has a Net Interest Margin (Bank Only) % of 5.99% as of Jun. 2025. Net interest margin is the ratio of a bank's net interest income to its average two-period earning assets. View historical data on Finance House PJSC and its competitors.
Is Finance House PJSC's Net Interest Margin (Bank Only) % too high?
Finance House PJSC's current Net Interest Margin (Bank Only) % is 5.99%. Overall, Finance House PJSC has a GF Score™ of 49/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Finance House PJSC's Net Interest Margin (Bank Only) % compare to V and MA?
Finance House PJSC's Net Interest Margin (Bank Only) % of 5.99% can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Interest Margin (Bank Only) % for a Credit Services company?
A good Net Interest Margin (Bank Only) % depends on the Credit Services industry context. However, Net Interest Margin (Bank Only) % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Interest Margin (Bank Only) % mean?
A high Net Interest Margin (Bank Only) % can signal that a stock is expensive relative to its fundamentals. Net interest margin is the ratio of a bank's net interest income to its average two-period earning assets. View historical data on Finance House PJSC and its competitors. Finance House PJSC's current Net Interest Margin (Bank Only) % is 5.99%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Finance House PJSC stock overvalued right now?
Based on GuruFocus' analysis, Finance House PJSC (ADX:FH) is currently considered Fairly Valued. The current Net Interest Margin (Bank Only) % is 5.99%. Finance House PJSC's overall GF Score™ is 49/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Interest Margin (Bank Only) % calculated?
Net Interest Margin (Bank Only) % is calculated from a company's financial statements. For Finance House PJSC (ADX:FH), the current Net Interest Margin (Bank Only) % is 5.99% as of Jun. 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.
Finance House PJSC is a provider of financial products and services. The group is organised into six major business segments: Commercial and Retail Financing, which provides loans and other credit facilities for institutional and individual customers; Investment, which involves the management of the investment portfolio and treasury activities; Islamic Financing and Investing, which provides investment, consumer and commercial financing; Insurance, which involves non-life insurance services; Construction, involves construction related activities; and Brokerage Services. The group primarily operates in the United Arab Emirates.
49GF Score
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