Goldpac Group (HKSE:03315) 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.

HKSE:03315 Goldpac Group Ltd HKSE:03315
46 GF Score
Price HK$0.65
GF Value HK$0.79
Valuation Modestly Undervalued
! 7 Warning Signs
View Full Analysis

What is Goldpac Group Net Interest Margin (Bank Only) %?

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

HKSE:03315
46GF Score
Goldpac Group Ltd HKSE:03315
Net Interest Margin (Bank Only) % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Is Goldpac Group (HKSE:03315) Overvalued in 2026?

Based on GuruFocus' analysis, Goldpac Group stock appears to be undervalued. The current stock price of HK$0.65 is trading 17.7% below its estimated GF Value™ of HK$0.79. GuruFocus considers Goldpac Group to be Modestly Undervalued.

Key valuation signals for HKSE:03315:

  • Net Interest Margin (Bank Only) %:
  • GF Value™: HK$0.79 vs. price of HK$0.65 (17.7% below fair value)
  • GF Score™: 46/100 with 7 warning signs

No single metric tells the full story. See the HKSE:03315 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Goldpac Group Business Description

Address No. 56 Gloucester Road, 13th Floor, Bank of East Asia, Room 1301, Harbour View Center, Wanchai, Hong Kong, HKG
Goldpac Group Ltd offers solutions to secure payment systems, embedded software and security products, data management services, card issuance systems, multi-function terminals, and custom turnkey solutions covering financial services. The operating segments of the group are Embedded software and secure payment products, which is the key revenue-driving segment, includes embedded software and secure payment products for smart secure payment; and the Platform and service segment which involves the provision of data processing, equipment, system platforms and other total solutions for customers in a wide business range including financial, government, healthcare, transportation and retails by leveraging Fintech.
46GF Score

Get the complete analysis for HKSE:03315

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

HK$0.65
Price
HK$0.79
GF Value