Xero (FRA:0XE) 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.

FRA:0XE Xero Ltd FRA:0XE
68 GF Score
Price €39.40
GF Value €117.07
Valuation Possible Value Trap
! 6 Warning Signs
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What is Xero Net Interest Margin (Bank Only) %?

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

FRA:0XE
68GF Score
Xero Ltd FRA:0XE
Net Interest Margin (Bank Only) % is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Xero (FRA:0XE) Overvalued in 2026?

Based on GuruFocus' analysis, Xero stock appears to be undervalued. The current stock price of €39.40 is trading 66.3% below its estimated GF Value™ of €117.07. GuruFocus considers Xero to be Possible Value Trap.

Key valuation signals for FRA:0XE:

  • Net Interest Margin (Bank Only) %:
  • GF Value™: €117.07 vs. price of €39.40 (66.3% below fair value)
  • GF Score™: 68/100 with 6 warning signs

No single metric tells the full story. See the FRA:0XE stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Xero Business Description

Other Exchanges XROLF:USAXRO:Australia
Address 19-23 Taranaki Street, Te Aro, Wellington, NTL, NZL, 6011
Xero is a technology company originating from New Zealand, providing cloud-based accounting software, primarily for small and midsized enterprises, or SMEs, and accounting practices. As a first mover in the space for cloud-based accounting software, Xero has grown quickly to achieve dominant market share in New Zealand and Australia, displacing legacy providers. Xero has also expanded beyond its home region toward other English-speaking countries, primarily the UK and the US.
68GF Score

Get the complete analysis for FRA:0XE

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

€39.40
Price
€117.07
GF Value