Telefonica (CHIX:TEFE) 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.

CHIX:TEFE Telefonica SA CHIX:TEFE
65 GF Score
Price €3.52
GF Value €3.78
Valuation Fairly Valued
! 7 Warning Signs
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What is Telefonica Net Interest Margin (Bank Only) %?

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

CHIX:TEFE
65GF Score
Telefonica SA CHIX:TEFE
Net Interest Margin (Bank Only) % is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Telefonica (CHIX:TEFE) Overvalued in 2026?

Based on GuruFocus' analysis, Telefonica stock appears to be undervalued. The current stock price of €3.52 is trading 7% below its estimated GF Value™ of €3.78. GuruFocus considers Telefonica to be Fairly Valued.

Key valuation signals for CHIX:TEFE:

  • Net Interest Margin (Bank Only) %:
  • GF Value™: €3.78 vs. price of €3.52 (7% below fair value)
  • GF Score™: 65/100 with 7 warning signs

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

Telefonica Business Description

Address Ronda de la Comunicacion, s/n, Central Building Auditorium, Telefonica District, Madrid, ESP, 28050
Telefonica is a telecommunications operator with presence in Spain (where it is the incumbent operator), the UK, Germany, Brazil, and Latin American countries. The company derives more than 30% of its revenue from Spain, close to 20% from Germany, and 20% from Brazil. Its UK operations are held through a joint venture with Virgin Media. For several years, Telefonica has been simplifying its corporate structure by selling noncore assets.
65GF Score

Get the complete analysis for CHIX:TEFE

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

€3.52
Price
€3.78
GF Value