JD.com (BSP:JDCO34) Net Interest Margin (Bank Only) %

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.

BSP:JDCO34 JD.com Inc BSP:JDCO34
70 GF Score
Price R$25.21
GF Value R$32.30
Valuation Modestly Undervalued
! 4 Warning Signs
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What is JD.com Net Interest Margin (Bank Only) %?

Net Interest Margin (Bank Only) % only applies to banks.

BSP:JDCO34
70GF Score
JD.com Inc BSP:JDCO34
Net Interest Margin (Bank Only) % is just one metric. See GF Score™, valuation, warning signs, and more.
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Is JD.com (BSP:JDCO34) Overvalued in 2026?

Based on GuruFocus' analysis, JD.com stock appears to be undervalued. The current stock price of R$25.21 is trading 22% below its estimated GF Value™ of R$32.30. GuruFocus considers JD.com to be Modestly Undervalued.

Key valuation signals for BSP:JDCO34:

  • Net Interest Margin (Bank Only) %:
  • GF Value™: R$32.30 vs. price of R$25.21 (22% below fair value)
  • GF Score™: 70/100 with 4 warning signs

No single metric tells the full story. See the BSP:JDCO34 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

JD.com Business Description

Address No. 18 Kechuang 11 Street, 20th Floor, Building A, Yizhuang Economic & Technological Development Zone, Daxing District, Beijing, CHN, 101111
JD.com is the third-largest Chinese e-commerce platform by gross merchandise volume in 2025. It offers a wide selection of authentic products with speedy and reliable delivery. The company has built its own nationwide fulfilment infrastructure and last-mile delivery network, staffed by its own employees, which supports both its online direct sales, its online marketplace, and omnichannel businesses.
70GF Score

Get the complete analysis for BSP:JDCO34

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

R$25.21
Price
R$32.30
GF Value