Kose Holdings (FRA:49K) 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:49K Kose Holdings Corp FRA:49K
70 GF Score
Price €28.00
GF Value €47.94
Valuation Significantly Undervalued
! 5 Warning Signs
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What is Kose Holdings Net Interest Margin (Bank Only) %?

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

FRA:49K
70GF Score
Kose Holdings Corp FRA:49K
Net Interest Margin (Bank Only) % is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Kose Holdings (FRA:49K) Overvalued in 2026?

Based on GuruFocus' analysis, Kose Holdings stock appears to be undervalued. The current stock price of €28.00 is trading 41.6% below its estimated GF Value™ of €47.94. GuruFocus considers Kose Holdings to be Significantly Undervalued.

Key valuation signals for FRA:49K:

  • Net Interest Margin (Bank Only) %:
  • GF Value™: €47.94 vs. price of €28.00 (41.6% below fair value)
  • GF Score™: 70/100 with 5 warning signs

No single metric tells the full story. See the FRA:49K stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Kose Holdings Business Description

Address 3-6-2 Nihonbashi, Chuo-ku, Tokyo, JPN, 103-8251
Kose is Japan's second-largest beauty company, best known for its prestige skincare brands such as Decorte and Albion. Founded in 1946, the company remains under the management of the Kobayashi family. Albion, a fully consolidated subsidiary in which Kose holds a 79.5% stake, operates independently under a separate brand of the Kobayashi family. With a portfolio of 37 brands spanning multiple price points, the group captured approximately 15% of Japan's premium beauty segment in 2024, according to Euromonitor. Japan remains its core market, contributing over 60% of sales, followed by North America (19%) and Asia (13%). The company distributes its products through a diversified channel mix of department stores, specialty retailers, drugstores, travel retail, and e-commerce platforms.
70GF Score

Get the complete analysis for FRA:49K

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

€28.00
Price
€47.94
GF Value