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. Allied Group's annualizedNet Interest Income (for Banks) for the quarter that ended in Dec. 2025 was $426 Mil. Allied Group's average earning assets for the quarter that ended in Dec. 2025 was $1,738 Mil. Therefore, Allied Group's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Dec. 2025 was 24.52%.
Allied Group (OTCPK:ALEDY) 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.
Allied Group Net Interest Margin (Bank Only) % Related Terms
Allied Group Net Interest Margin (Bank Only) % Historical Data
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The historical data trend for Allied Group'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.
Allied Group Net Interest Margin (Bank Only) % Chart
ALEDY vs V, MA, AXP: Net Interest Margin (Bank Only) % Comparison
For the Credit Services subindustry, Allied Group'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.
Allied Group Net Interest Margin (Bank Only) % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Allied Group's Net Interest Margin (Bank Only) % distribution charts can be found below:
* The bar in red indicates where Allied Group's Net Interest Margin (Bank Only) % falls into.
Allied Group 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).
Allied Group's annualized Net Interest Margin (Bank Only) % for the fiscal year that ended in Dec. 2025 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 two times the semi-annual (Dec. 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 24.52% mean?
Allied Group (ALEDY) has a Net Interest Margin (Bank Only) % of 24.52% as of Dec. 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 Allied Group and its competitors.
Is Allied Group's Net Interest Margin (Bank Only) % too high?
Allied Group's current Net Interest Margin (Bank Only) % is 24.52%. Overall, Allied Group has a GF Score™ of 66/100, reflecting its overall financial health beyond just this single metric.
How does Allied Group's Net Interest Margin (Bank Only) % compare to V and MA?
Allied Group's Net Interest Margin (Bank Only) % of 24.52% 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 Allied Group and its competitors. Allied Group's current Net Interest Margin (Bank Only) % is 24.52%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Allied Group stock overvalued right now?
Allied Group (ALEDY) has a current Net Interest Margin (Bank Only) % of 24.52%. The stock's GF Value™ is $8.57, compared to a current price of $5.00 — trading 41.7% below its estimated fair value. The current Net Interest Margin (Bank Only) % is 24.52%. Allied Group's overall GF Score™ is 66/100 with 3 warning signs to review. 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 Allied Group (ALEDY), the current Net Interest Margin (Bank Only) % is 24.52% 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 Allied Group (ALEDY) Overvalued in 2026?
Based on GuruFocus' analysis, Allied Group stock appears to be undervalued.
The current stock price of $5.00 is trading 41.7% below its estimated GF Value™ of $8.57.
Key valuation signals for ALEDY:
Net Interest Margin (Bank Only) %: 24.52%
GF Value™: $8.57 vs. price of $5.00 (41.7% below fair value)
No single metric tells the full story. See the ALEDY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Allied Group Ltd is a Hong Kong-based investment holding company. Its operating segments are Investment and finance which includes investment and provision of mortgage loan and term loan financing; the Consumer finance segment includes the provision of consumer, SME, and other financing; Property development includes the business of development of properties; Property investment includes property rental and hotel operations managed by third parties; Property management includes the provision of property management, cleaning and security guarding services; Elderly care services include the provision of elderly care services; Healthcare services consists of operation of hospitals; and the Corporate and other operations segment. Key revenue for the company is derived from PRC.
66GF Score
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