EM Systems Co (FRA:EMO) 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:EMO EM Systems Co Ltd FRA:EMO
74 GF Score
Price €2.84
GF Value €3.92
! 4 Warning Signs
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What is EM Systems Co Net Interest Margin (Bank Only) %?

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

FRA:EMO
74GF Score
EM Systems Co Ltd FRA:EMO
Net Interest Margin (Bank Only) % is just one metric. See GF Score™, valuation, warning signs, and more.
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Is EM Systems Co (FRA:EMO) Overvalued in 2026?

Based on GuruFocus' analysis, EM Systems Co stock appears to be undervalued. The current stock price of €2.84 is trading 27.6% below its estimated GF Value™ of €3.92.

Key valuation signals for FRA:EMO:

  • Net Interest Margin (Bank Only) %:
  • GF Value™: €3.92 vs. price of €2.84 (27.6% below fair value)
  • GF Score™: 74/100 with 4 warning signs

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

EM Systems Co Business Description

Other Exchanges 4820:Japan
Address 6-1, Miyahara 1-chome, Yodogawa-ku, Osaka, JPN, 532-0003
EM Systems Co Ltd is a Japan-based company that develops, sells, and maintains systems for the medical (clinics and insurance pharmacies) and nursing/welfare industries. It operates its business in three divisions: Pharmacy System Business develops and sells systems for pharmacies, and provides related supplies and maintenance services; Medical system involved in the development and sales of medical office administration computer systems for medical institutions and clinics; Nursing Care/Welfare Systems Business products are systems for nursing care/welfare service providers and medical and nursing care collaboration solutions; Other businesses operates through its subsidiray that provides promotes cashless payments for clinics and pharmacies and Others services.
74GF Score

Get the complete analysis for FRA:EMO

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

€2.84
Price
€3.92
GF Value