Engie (HAM:GZF) 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.

HAM:GZF Engie SA HAM:GZF
72 GF Score
Price €23.68
GF Value €16.17
Valuation Significantly Overvalued
! 7 Warning Signs
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What is Engie Net Interest Margin (Bank Only) %?

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

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

Based on GuruFocus' analysis, Engie stock appears to be overvalued. The current stock price of €23.68 is trading 46.4% above its estimated GF Value™ of €16.17. GuruFocus considers Engie to be Significantly Overvalued.

Key valuation signals for HAM:GZF:

  • Net Interest Margin (Bank Only) %:
  • GF Value™: €16.17 vs. price of €23.68 (46.4% above fair value)
  • GF Score™: 72/100 with 7 warning signs

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

Engie Business Description

Address 1, Place Samuel de Champlain, Courbevoie, FRA, 92400
Engie SA is a French multinational energy company formed by the 2008 merger of Gaz de France and Suez, renamed Engie in 2015. It operates across the energy value chain: power generation from nuclear, natural gas, and renewables; natural gas infrastructure and distribution; and energy services. Engie is a major operator of renewable energy (wind, solar, hydro) and owns and operates gas transmission and distribution networks, notably in France. Through its services arm, it provides energy efficiency, engineering, and facility management to industrial, commercial, and public-sector clients. The company serves retail and business customers with electricity and gas supply, and operates globally across Europe, Latin America, North America, Asia, and Africa. Revenue comes from regulated network tariffs, power and gas sales, long-term contracts, and energy service fees. Engie has been divesting fossil-fuel assets and expanding renewables and low-carbon solutions.
72GF Score

Get the complete analysis for HAM:GZF

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

€23.68
Price
€16.17
GF Value