Netwealth Group (ASX:NWL) Net Interest Margin (Bank Only) %: 25.85% (As of Dec. 2025)


ASX:NWL Netwealth Group Ltd ASX:NWL
88 GF Score
Price A$22.15
GF Value A$35.28
Valuation Significantly Undervalued
! 2 Warning Signs
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What is Netwealth Group Net Interest Margin (Bank Only) %?

Netwealth Group ASX:NWL +7.73% 88 Net Interest Margin (Bank Only) % is 25.85% as of Dec. 2025. GuruFocus rates ASX:NWL with a GF Score™ of 88/100 and a GF Value™ of A$35.28 (Significantly Undervalued). The stock has 2 warning signs investors should review.

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. Netwealth Group's annualized Net Interest Income (for Banks) for the quarter that ended in Dec. 2025 was A$6.3 Mil. Netwealth Group's average earning assets for the quarter that ended in Dec. 2025 was A$24.4 Mil. Therefore, Netwealth Group's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Dec. 2025 was 25.85%.


Netwealth Group  (ASX:NWL) 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.


Netwealth Group Net Interest Margin (Bank Only) % Related Terms


Netwealth Group Net Interest Margin (Bank Only) % Historical Data

* Premium members only.

The historical data trend for Netwealth 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.

Netwealth Group Net Interest Margin (Bank Only) % Chart

Netwealth Group Annual Data
Trend Jun18 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24 Jun25
Net Interest Margin (Bank Only) %
Get a 7-Day Free Trial 15.24 -6.55 338.87 858.31 52.93

Netwealth Group Semi-Annual Data
Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
Net Interest Margin (Bank Only) % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 905.95 867.48 966.00 60.28 25.85

ASX:NWL vs UBER, SHOP, CRM: Net Interest Margin (Bank Only) % Comparison

For the Software - Application subindustry, Netwealth 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.


Netwealth Group Net Interest Margin (Bank Only) % vs Software Industry

For the Software industry and Technology sector, Netwealth Group's Net Interest Margin (Bank Only) % distribution charts can be found below:

* The bar in red indicates where Netwealth Group's Net Interest Margin (Bank Only) % falls into.


ASX:NWL
88GF Score
Netwealth Group Ltd ASX:NWL
Net Interest Margin (Bank Only) % is just one metric. See GF Score™, valuation, warning signs, and more.
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Netwealth 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).

Netwealth Group's annualized Net Interest Margin (Bank Only) % for the fiscal year that ended in Jun. 2025 is calculated as

Net Interest Margin (Bank Only) %(A: Jun. 2025 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (A: Jun. 2024 ) + Earning Assets (A: Jun. 2025 ))/ count )
=6.672/( (0.682 + 24.527)/ 2 )
=6.672/12.6045
=52.93 %

where

Earning Assets(A: Jun. 2024 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 0 + 0.682
=0.682

Earning Assets(A: Jun. 2025 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 0 + 24.527
=24.527

Netwealth Group's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Dec. 2025 is calculated as

Net Interest Margin (Bank Only) %(Q: Dec. 2025 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (Q: Jun. 2025 ) + Earning Assets (Q: Dec. 2025 ))/ count )
=6.306/( (24.527 + 24.259)/ 2 )
=6.306/24.393
=25.85 %

where

Earning Assets(Q: Jun. 2025 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 0 + 24.527
=24.527

Earning Assets(Q: Dec. 2025 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 0 + 24.259
=24.259

* 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.

Note: Interest Expense is the negative value.

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 25.85% mean?
Netwealth Group (ASX:NWL) has a Net Interest Margin (Bank Only) % of 25.85% 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 Netwealth Group and its competitors.
Is Netwealth Group's Net Interest Margin (Bank Only) % too high?
Netwealth Group's current Net Interest Margin (Bank Only) % is 25.85%. Overall, Netwealth Group has a GF Score™ of 88/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Netwealth Group's Net Interest Margin (Bank Only) % compare to UBER and SHOP?
Netwealth Group's Net Interest Margin (Bank Only) % of 25.85% can be compared against companies in the Software 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 Software company?
A good Net Interest Margin (Bank Only) % depends on the Software 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 Netwealth Group and its competitors. Netwealth Group's current Net Interest Margin (Bank Only) % is 25.85%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Netwealth Group stock overvalued right now?
Based on GuruFocus' analysis, Netwealth Group (ASX:NWL) is currently considered Significantly Undervalued. The stock's GF Value™ is A$35.28, compared to a current price of A$22.15 — trading 37.2% below its estimated fair value. The current Net Interest Margin (Bank Only) % is 25.85%. Netwealth Group's overall GF Score™ is 88/100 with 2 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 Netwealth Group (ASX:NWL), the current Net Interest Margin (Bank Only) % is 25.85% 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 Netwealth Group (ASX:NWL) Overvalued in 2026?

Based on GuruFocus' analysis, Netwealth Group stock appears to be undervalued. The current stock price of A$22.15 is trading 37.2% below its estimated GF Value™ of A$35.28. GuruFocus considers Netwealth Group to be Significantly Undervalued.

Key valuation signals for ASX:NWL:

  • Net Interest Margin (Bank Only) %: 25.85%
  • GF Value™: A$35.28 vs. price of A$22.15 (37.2% below fair value)
  • GF Score™: 88/100 with 2 warning signs

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


Netwealth Group Business Description

Address 180 Flinders Street, Level 6, Melbourne, VIC, AUS, 3000
Netwealth provides cloud-based investment administration software as a service in Australia via its proprietary platform. Netwealth's platform provides portfolio administration, investment management tools, and investment and managed account services to financial intermediaries and directly to clients. The company charges SaaS fees based on funds under administration and management on its platform. Netwealth also offers Netwealth-branded investment products on its platform, which are managed by third-party investment managers.
88GF Score

Get the complete analysis for ASX:NWL

Net Interest Margin (Bank Only) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

A$22.15
Price
A$35.28
GF Value