PepsiCo (HAM:PEP) 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:PEP PepsiCo Inc HAM:PEP
90 GF Score
Price €119.70
GF Value €145.96
Valuation Modestly Undervalued
! 2 Warning Signs
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What is PepsiCo Net Interest Margin (Bank Only) %?

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

HAM:PEP
90GF Score
PepsiCo Inc HAM:PEP
Net Interest Margin (Bank Only) % is just one metric. See GF Score™, valuation, warning signs, and more.
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Is PepsiCo (HAM:PEP) Overvalued in 2026?

Based on GuruFocus' analysis, PepsiCo stock appears to be undervalued. The current stock price of €119.70 is trading 18% below its estimated GF Value™ of €145.96. GuruFocus considers PepsiCo to be Modestly Undervalued.

Key valuation signals for HAM:PEP:

  • Net Interest Margin (Bank Only) %:
  • GF Value™: €145.96 vs. price of €119.70 (18% below fair value)
  • GF Score™: 90/100 with 2 warning signs

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

PepsiCo Business Description

Address 700 Anderson Hill Road, Purchase, NY, USA, 10577
PepsiCo is a global leader in snacks and beverages, owning well-known household brands including Pepsi, Mountain Dew, Gatorade, Lay's, Cheetos, and Doritos, among others. The company dominates the global savory snacks market and also ranks as the second-largest beverage provider in the world (behind Coca-Cola) with diversified exposure to carbonated soft drinks, or CSD, as well as water, sports, and energy drink offerings. Convenience foods account for approximately 58% of its total revenue, with beverages making up the rest. Pepsi owns the bulk of its manufacturing and distribution capacity in the US, but uses bottlers overseas for beverages. International markets made up 41% of total sales and 46% of operating profits before corporate expenses in 2025.
90GF Score

Get the complete analysis for HAM:PEP

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

€119.70
Price
€145.96
GF Value