Koal Software Co (SHSE:603232) 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.

SHSE:603232 Koal Software Co Ltd SHSE:603232
73 GF Score
Price ¥13.23
GF Value ¥10.48
Valuation Modestly Overvalued
! 3 Warning Signs
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What is Koal Software Co Net Interest Margin (Bank Only) %?

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

SHSE:603232
73GF Score
Koal Software Co Ltd SHSE:603232
Net Interest Margin (Bank Only) % is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Koal Software Co (SHSE:603232) Overvalued in 2026?

Based on GuruFocus' analysis, Koal Software Co stock appears to be overvalued. The current stock price of ¥13.23 is trading 26.2% above its estimated GF Value™ of ¥10.48. GuruFocus considers Koal Software Co to be Modestly Overvalued.

Key valuation signals for SHSE:603232:

  • Net Interest Margin (Bank Only) %:
  • GF Value™: ¥10.48 vs. price of ¥13.23 (26.2% above fair value)
  • GF Score™: 73/100 with 3 warning signs

No single metric tells the full story. See the SHSE:603232 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Koal Software Co Business Description

Address No. 1-7, Lane 58, Muchuan Road, Industry Base A2 Building, Sijing Town, Songjiang District, Shanghai, CHN, 201601
Koal Software Co Ltd is engaged in the development, production, sale, and service of commercial password software to the information security industry and public key infrastructure field. Its product line includes digital certificate authentication system; secure authentication gateway; signature verification server; electronic signature system; secure email system; secure instant messaging system; electronic file management system; LAN access authentication system; and mobile media management system.
73GF Score

Get the complete analysis for SHSE:603232

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

¥13.23
Price
¥10.48
GF Value