LKNCY (Luckin Coffee) 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.

LKNCY Luckin Coffee Inc LKNCY
72 GF Score
Price $33.01
GF Value $50.78
Valuation Significantly Undervalued
! 1 Warning Sign
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What is Luckin Coffee Net Interest Margin (Bank Only) %?

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

LKNCY
72GF Score
Luckin Coffee Inc LKNCY
Net Interest Margin (Bank Only) % is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Luckin Coffee (LKNCY) Overvalued in 2026?

Based on GuruFocus' analysis, Luckin Coffee stock appears to be undervalued. The current stock price of $33.01 is trading 35% below its estimated GF Value™ of $50.78. GuruFocus considers Luckin Coffee to be Significantly Undervalued.

Key valuation signals for LKNCY:

  • Net Interest Margin (Bank Only) %:
  • GF Value™: $50.78 vs. price of $33.01 (35% below fair value)
  • GF Score™: 72/100 with 1 warning sign

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

Luckin Coffee Business Description

Other Exchanges 0A6U:UKLC0A:Germany
Address 1-3 Taibei Road, 28th Floor, Building T3, Haixi Jingu Plaza, Siming District, Fujian, Xiamen, CHN, 361008
Luckin Coffee Inc operates a coffee network in China, providing retail services for freshly brewed drinks and pre-made food and beverage items. Its technology-driven model is built on mobile apps and a store network, offering a cashier-less purchase experience with features such as store selection, advance ordering, multiple payment options, and real-time order tracking. The company mainly operates self-operated pick-up stores in high-demand locations, enabling rapid and cost-efficient expansion, and also uses partnership and franchise models. It offers multiple products, including coffee, tea drinks, snacks, and light meals, with recipes tailored to local preferences, supported by sourcing and proprietary technology for operations and supply chain management.
72GF Score

Get the complete analysis for LKNCY

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

$33.01
Price
$50.78
GF Value