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Home REIT (CHIX:HOMEL) Net Interest Margin (Bank Only) % : -7.23% (As of Feb. 2022)


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What is Home REIT Net Interest Margin (Bank Only) %?

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. Home REIT's annualized Net Interest Income (for Banks) for the quarter that ended in Feb. 2022 was £-6.27 Mil. Home REIT's average earning assets for the quarter that ended in Feb. 2022 was £86.72 Mil. Therefore, Home REIT's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Feb. 2022 was -7.23%.


Home REIT Net Interest Margin (Bank Only) % Historical Data

The historical data trend for Home REIT'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.

* Premium members only.

Home REIT Net Interest Margin (Bank Only) % Chart

Home REIT Annual Data
Trend Aug21
Net Interest Margin (Bank Only) %
-3.55

Home REIT Quarterly Data
Feb21 Aug21 Feb22
Net Interest Margin (Bank Only) % -0.07 -6.44 -7.23

Competitive Comparison of Home REIT's Net Interest Margin (Bank Only) %

For the REIT - Residential subindustry, Home REIT'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.


Home REIT's Net Interest Margin (Bank Only) % Distribution in the REITs Industry

For the REITs industry and Real Estate sector, Home REIT's Net Interest Margin (Bank Only) % distribution charts can be found below:

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



Home REIT 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).

Home REIT's annualized Net Interest Margin (Bank Only) % for the fiscal year that ended in Aug. 2021 is calculated as

Net Interest Margin (Bank Only) %(A: Aug. 2021 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (A: . 20 ) + Earning Assets (A: Aug. 2021 ))/ count )
=/( ( + )/ )
=/
= %

where

Earning Assets(A: . 20 )
=Money Market Investments + Net Loan + Securities & Investments
= + +
=

Earning Assets(A: Aug. 2021 )
=Money Market Investments + Net Loan + Securities & Investments
= + +
=

Home REIT's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Feb. 2022 is calculated as

Net Interest Margin (Bank Only) %(Q: Feb. 2022 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (Q: Aug. 2021 ) + Earning Assets (Q: Feb. 2022 ))/ count )
=-6.272/( (35.872 + 137.574)/ 2 )
=-6.272/86.723
=-7.23 %

where

Earning Assets(Q: Aug. 2021 )
=Money Market Investments + Net Loan + Securities & Investments
=35.872 + 0 + 0
=35.872

Earning Assets(Q: Feb. 2022 )
=Money Market Investments + Net Loan + Securities & Investments
=137.574 + 0 + 0
=137.574

* 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 four times the quarterly (Feb. 2022) net interest income data. Net Interest Margin (Bank Only) % is displayed in the 30-year financial page for Banks.


Home REIT  (CHIX:HOMEl) 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.


Home REIT Net Interest Margin (Bank Only) % Related Terms

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Home REIT (CHIX:HOMEL) Business Description

Industry
GURUFOCUS.COM » STOCK LIST » Real Estate » REITs » Home REIT PLC (CHIX:HOMEl) » Definitions » Net Interest Margin (Bank Only) %
Comparable Companies
Traded in Other Exchanges
N/A
Address
6th Floor, 125 London Wall, London, GBR, EC2Y 5AS
Home REIT PLC operates as a real estate investment company. The company invests in a diversified portfolio of homeless accommodation assets, let or pre-let to registered charities, housing associations, community interest companies and other regulated organisations that receive housing benefit or comparable funding from local or central government, on very long-term and index-linked leases. The investment objective is to deliver inflation-protected income and capital growth over the medium term for shareholders.

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