SCGLF (Societe Generale) Net Interest Margin (Bank Only) %: 0.00% (As of Mar. 2026)


SCGLF Societe Generale SA SCGLF
59 GF Score
Price $88.04
GF Value $44.30
Valuation Significantly Overvalued
! 5 Warning Signs
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What is Societe Generale Net Interest Margin (Bank Only) %?

Societe Generale SCGLF 59 Net Interest Margin (Bank Only) % is 0.00% as of Mar. 2026. GuruFocus rates SCGLF with a GF Score™ of 59/100 and a GF Value™ of $44.30 (Significantly Overvalued). The stock has 5 warning signs investors should review.

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).

GuruFocus calculates Net Interest Margin (Bank Only) % as Net Interest Income (for Banks) divided by its average earning assets. Societe Generale's annualized Net Interest Income (for Banks) for the quarter that ended in Mar. 2026 was $0 Mil. Societe Generale's average earning assets for the quarter that ended in Mar. 2026 was $712,514 Mil. Therefore, Societe Generale's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Mar. 2026 was 0.00%.


Societe Generale  (OTCPK:SCGLF) 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.


Societe Generale Net Interest Margin (Bank Only) % Related Terms


Societe Generale Net Interest Margin (Bank Only) % Historical Data

* Premium members only.

The historical data trend for Societe Generale's Net Interest Margin (Bank Only) % can be seen below:

* 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.

Societe Generale Net Interest Margin (Bank Only) % Chart

Societe Generale Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Interest Margin (Bank Only) %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.78 2.02 1.51 1.41 1.58

Societe Generale Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Net Interest Margin (Bank Only) % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 0.00

Societe Generale Net Interest Margin (Bank Only) % Competitor Comparison

For the Banks - Regional subindustry, Societe Generale'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.


Societe Generale Net Interest Margin (Bank Only) % vs Banks Industry

For the Banks industry and Financial Services sector, Societe Generale's Net Interest Margin (Bank Only) % distribution charts can be found below:

* The bar in red indicates where Societe Generale's Net Interest Margin (Bank Only) % falls into.


SCGLF
59GF Score
Societe Generale SA SCGLF
Net Interest Margin (Bank Only) % is just one metric. See GF Score™, valuation, warning signs, and more.
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Societe Generale 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).

Societe Generale's annualized Net Interest Margin (Bank Only) % for the fiscal year that ended in Dec. 2025 is calculated as

Net Interest Margin (Bank Only) %(A: Dec. 2025 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (A: Dec. 2024 ) + Earning Assets (A: Dec. 2025 ))/ count )
=11790.398/( (698173.822 + 789921.546)/ 2 )
=11790.398/744047.684
=1.58 %

where

Earning Assets(A: Dec. 2024 )
=Money Market Investments + Net Loan + Securities & Investments
=186665.969 + 511507.853 + 0
=698173.822

Earning Assets(A: Dec. 2025 )
=Money Market Investments + Net Loan + Securities & Investments
=213039.813 + 576881.733 + 0
=789921.546

Societe Generale's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Mar. 2026 is calculated as

Net Interest Margin (Bank Only) %(Q: Mar. 2026 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (Q: Dec. 2025 ) + Earning Assets (Q: Mar. 2026 ))/ count )
=0/( (789921.546 + 635106.358)/ 2 )
=0/712513.952
=0.00 %

where

Earning Assets(Q: Dec. 2025 )
=Money Market Investments + Net Loan + Securities & Investments
=213039.813 + 576881.733 + 0
=789921.546

Earning Assets(Q: Mar. 2026 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 635106.358 + 0
=635106.358

* 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.

Note: Interest Expense is the negative value.

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 four times the quarterly (Mar. 2026) 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 0.00% mean?
Societe Generale (SCGLF) has a Net Interest Margin (Bank Only) % of 0.00% as of Mar. 2026. Net interest margin is the ratio of a bank's net interest income to its average two-period earning assets. View historical data on Societe Generale and its competitors.
Is Societe Generale's Net Interest Margin (Bank Only) % too high?
Societe Generale's current Net Interest Margin (Bank Only) % is 0.00%. Overall, Societe Generale has a GF Score™ of 59/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Societe Generale's Net Interest Margin (Bank Only) % compare to competitors?
Societe Generale's Net Interest Margin (Bank Only) % of 0.00% can be compared against companies in the Banks 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 Banks company?
A good Net Interest Margin (Bank Only) % depends on the Banks 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 Societe Generale and its competitors. Societe Generale's current Net Interest Margin (Bank Only) % is 0.00%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Societe Generale stock overvalued right now?
Based on GuruFocus' analysis, Societe Generale (SCGLF) is currently considered Significantly Overvalued. The stock's GF Value™ is $44.30, compared to a current price of $88.04 — trading 98.7% above its estimated fair value. The current Net Interest Margin (Bank Only) % is 0.00%. Societe Generale's overall GF Score™ is 59/100 with 5 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 Societe Generale (SCGLF), the current Net Interest Margin (Bank Only) % is 0.00% as of Mar. 2026. 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 Societe Generale (SCGLF) Overvalued in 2026?

Based on GuruFocus' analysis, Societe Generale stock appears to be overvalued. The current stock price of $88.04 is trading 98.7% above its estimated GF Value™ of $44.30. GuruFocus considers Societe Generale to be Significantly Overvalued.

Key valuation signals for SCGLF:

  • Net Interest Margin (Bank Only) %: 0.00%
  • GF Value™: $44.30 vs. price of $88.04 (98.7% above fair value)
  • GF Score™: 59/100 with 5 warning signs

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


Societe Generale Business Description

Address 29, Boulevard Haussmann, Paris, FRA, 75009
Société Générale is a diversified European bank whose largest division is its corporate and investment bank, anchored by a well-regarded equity franchise. Its French retail operations include both the traditional branch network and fast-growing digital bank Boursorama. Internationally, Société Générale ranks among the largest banks in the Czech Republic and Romania. It also holds dominant positions in several African markets, though with a smaller earnings contribution. The group is a leading player in vehicle and equipment leasing through ALD Automotive.
59GF Score

Get the complete analysis for SCGLF

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

$88.04
Price
$44.30
GF Value