Votum (FRA:31J) 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:31J Votum SA FRA:31J
72 GF Score
Price €9.88
GF Value €10.35
Valuation Fairly Valued
! 5 Warning Signs
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What is Votum Net Interest Margin (Bank Only) %?

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

FRA:31J
72GF Score
Votum SA FRA:31J
Net Interest Margin (Bank Only) % is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Votum (FRA:31J) Overvalued in 2026?

Based on GuruFocus' analysis, Votum stock appears to be undervalued. The current stock price of €9.88 is trading 4.5% below its estimated GF Value™ of €10.35. GuruFocus considers Votum to be Fairly Valued.

Key valuation signals for FRA:31J:

  • Net Interest Margin (Bank Only) %:
  • GF Value™: €10.35 vs. price of €9.88 (4.5% below fair value)
  • GF Score™: 72/100 with 5 warning signs

No single metric tells the full story. See the FRA:31J stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Votum Business Description

Other Exchanges VOT:Poland
Address st. Racing 56 and, Wroclaw, POL, 53-012
Votum SA is engaged in offering assistance services in claims for damages in Poland. The company specializes in the proceedings concerning the claims related to damage to the person covered by the system of mandatory insurance.
72GF Score

Get the complete analysis for FRA:31J

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

€9.88
Price
€10.35
GF Value