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Net Interest Margin (Bank Only) % is a measure of the difference between the interest income generated by banks or other financial institutions and the amount of interest paid out to their lenders (for example, deposits), relative to the amount of their interest-earning assets. It is usually calculated as a percentage of what the financial institution earns on loans in a time period and other assets minus the interest paid on borrowed funds divided by the average amount of the assets on which it earned income in that time period (the average earning assets).
Zhongguancun Science-Tech Leasing Co (HKSE:01601) Net Interest Margin (Bank Only) % Explanation
The negative value of Net Interest Margin (Bank Only) % mean the firm pays more interest for its debt than the interest revenue generated from its investment.
Zhongguancun Science-Tech Leasing Co Net Interest Margin (Bank Only) % Related Terms
Zhongguancun Science-Tech Leasing Co Net Interest Margin (Bank Only) % Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Zhongguancun Science-Tech Leasing Co Net Interest Margin (Bank Only) % Chart
HKSE:01601 vs V, MA, AXP: Net Interest Margin (Bank Only) % Comparison
For the Credit Services subindustry, Zhongguancun Science-Tech Leasing Co's Net Interest Margin (Bank Only) %, along with its competitors' market caps and Net Interest Margin (Bank Only) % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Zhongguancun Science-Tech Leasing Co Net Interest Margin (Bank Only) % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Zhongguancun Science-Tech Leasing Co's Net Interest Margin (Bank Only) % distribution charts can be found below:
* The bar in red indicates where Zhongguancun Science-Tech Leasing Co's Net Interest Margin (Bank Only) % falls into.
Zhongguancun Science-Tech Leasing Co Net Interest Margin (Bank Only) % Calculation
Net Interest Margin (Bank Only) % (NIM) is a measure of the difference between the interest income generated by banks or other financial institutions and the amount of interest paid out to their lenders (for example, deposits), relative to the amount of their interest-earning assets. It is usually calculated as a percentage of what the financial institution earns on loans in a time period and other assets minus the interest paid on borrowed funds divided by the average amount of the assets on which it earned income in that time period (the average earning assets).
Zhongguancun Science-Tech Leasing Co's annualized Net Interest Margin (Bank Only) % for the fiscal year that ended in Dec. 2025 is calculated as
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual Net Interest Margin (Bank Only) %, the Net Interest Income (for Banks) of the last fiscal year and the average earning assets over the fiscal year are used. In calculating the quarterly data,
the Net Interest Income (for Banks) data used here is two times the semi-annual (Dec. 2025) net interest income data.
Net Interest Margin (Bank Only) % is displayed in the 30-year financial page for Banks.
What does a Net Interest Margin (Bank Only) % of 4.41% mean?
Zhongguancun Science-Tech Leasing Co (HKSE:01601) has a Net Interest Margin (Bank Only) % of 4.41% as of Dec. 2025. Net interest margin is the ratio of a bank's net interest income to its average two-period earning assets. View historical data on Zhongguancun Science-Tech Leasing Co and its competitors.
Is Zhongguancun Science-Tech Leasing Co's Net Interest Margin (Bank Only) % too high?
Zhongguancun Science-Tech Leasing Co's current Net Interest Margin (Bank Only) % is 4.41%. Overall, Zhongguancun Science-Tech Leasing Co has a GF Score™ of 51/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Zhongguancun Science-Tech Leasing Co's Net Interest Margin (Bank Only) % compare to V and MA?
Zhongguancun Science-Tech Leasing Co's Net Interest Margin (Bank Only) % of 4.41% can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Interest Margin (Bank Only) % for a Credit Services company?
A good Net Interest Margin (Bank Only) % depends on the Credit Services industry context. However, Net Interest Margin (Bank Only) % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Interest Margin (Bank Only) % mean?
A high Net Interest Margin (Bank Only) % can signal that a stock is expensive relative to its fundamentals. Net interest margin is the ratio of a bank's net interest income to its average two-period earning assets. View historical data on Zhongguancun Science-Tech Leasing Co and its competitors. Zhongguancun Science-Tech Leasing Co's current Net Interest Margin (Bank Only) % is 4.41%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Zhongguancun Science-Tech Leasing Co stock overvalued right now?
Based on GuruFocus' analysis, Zhongguancun Science-Tech Leasing Co (HKSE:01601) is currently considered Fairly Valued. The stock's GF Value™ is HK$0.79, compared to a current price of HK$0.77 — trading 3.2% below its estimated fair value. The current Net Interest Margin (Bank Only) % is 4.41%. Zhongguancun Science-Tech Leasing Co's overall GF Score™ is 51/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Interest Margin (Bank Only) % calculated?
Net Interest Margin (Bank Only) % is calculated from a company's financial statements. For Zhongguancun Science-Tech Leasing Co (HKSE:01601), the current Net Interest Margin (Bank Only) % is 4.41% as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Zhongguancun Science-Tech Leasing Co (HKSE:01601) Overvalued in 2026?
Based on GuruFocus' analysis, Zhongguancun Science-Tech Leasing Co stock appears to be undervalued.
The current stock price of HK$0.77 is trading 3.2% below its estimated GF Value™ of HK$0.79.
GuruFocus considers Zhongguancun Science-Tech Leasing Co to be Fairly Valued.
Key valuation signals for HKSE:01601:
Net Interest Margin (Bank Only) %: 4.41%
GF Value™: HK$0.79 vs. price of HK$0.77 (3.2% below fair value)
No single metric tells the full story. See the HKSE:01601 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Zhongguancun Science-Tech Leasing Co Ltd is engaged in the provision of finance leases and related consulting services across the People's Republic of China. The company focuses on providing equipment leasing, intellectual property leasing, equity investment, and industrial-financial integration solutions for China's high-growth technology companies.
51GF Score
Get the complete analysis for HKSE:01601
Net Interest Margin (Bank Only) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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