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CAB Payments Holdings (STU:2SY) Net Interest Margin (Bank Only) % : 5.75% (As of Dec. 2024)


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What is CAB Payments Holdings Net Interest Margin (Bank Only) %?

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. CAB Payments Holdings's annualized Net Interest Income (for Banks) for the quarter that ended in Dec. 2024 was €25.3 Mil. CAB Payments Holdings's average earning assets for the quarter that ended in Dec. 2024 was €440.1 Mil. Therefore, CAB Payments Holdings's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Dec. 2024 was 5.75%.


CAB Payments Holdings Net Interest Margin (Bank Only) % Historical Data

The historical data trend for CAB Payments Holdings'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.

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CAB Payments Holdings Net Interest Margin (Bank Only) % Chart

CAB Payments Holdings Annual Data
Trend Dec20 Dec21 Dec22 Dec23 Dec24
Net Interest Margin (Bank Only) %
0.78 0.66 3.61 9.18 5.85

CAB Payments Holdings Semi-Annual Data
Dec20 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24
Net Interest Margin (Bank Only) % Get a 7-Day Free Trial 4.67 11.92 8.97 5.91 5.75

Competitive Comparison of CAB Payments Holdings's Net Interest Margin (Bank Only) %

For the Banks - Diversified subindustry, CAB Payments Holdings'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.


CAB Payments Holdings's Net Interest Margin (Bank Only) % Distribution in the Banks Industry

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

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


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CAB Payments Holdings 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).

CAB Payments Holdings's annualized Net Interest Margin (Bank Only) % for the fiscal year that ended in Dec. 2024 is calculated as

Net Interest Margin (Bank Only) %(A: Dec. 2024 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (A: Dec. 2023 ) + Earning Assets (A: Dec. 2024 ))/ count )
=23.612/( (326.52 + 481.228)/ 2 )
=23.612/403.874
=5.85 %

where

Earning Assets(A: Dec. 2023 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 326.52 + 0
=326.52

Earning Assets(A: Dec. 2024 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 481.228 + 0
=481.228

CAB Payments Holdings's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Dec. 2024 is calculated as

Net Interest Margin (Bank Only) %(Q: Dec. 2024 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (Q: Jun. 2024 ) + Earning Assets (Q: Dec. 2024 ))/ count )
=25.308/( (399.043 + 481.228)/ 2 )
=25.308/440.1355
=5.75 %

where

Earning Assets(Q: Jun. 2024 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 399.043 + 0
=399.043

Earning Assets(Q: Dec. 2024 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 481.228 + 0
=481.228

* 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 two times the semi-annual (Dec. 2024) net interest income data. Net Interest Margin (Bank Only) % is displayed in the 30-year financial page for Banks.


CAB Payments Holdings  (STU:2SY) 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.


CAB Payments Holdings Net Interest Margin (Bank Only) % Related Terms

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CAB Payments Holdings Business Description

Industry
Traded in Other Exchanges
Address
3 London Bridge Street, London, GBR, SE1 9SG
CAB Payments Holdings PLC offers cross-border payments and banking services for hard-to-reach markets around the world. Along with its subsidiaries, the company operates in three principal business lines, addressing various combinations of client groups, distribution networks, and services: Foreign Exchange (FX), which derives maximum revenue, Payments, and Banking Services. Foreign Exchange (FX) business provides access to clients to various markets and currencies, and enables them to trade in a way that suits their business needs, via web app, GUI or FIX API; Payments business provides international payment solutions; and Banking Services, engages in wholesale banking, providing transaction and deposit accounts, in addition to trade finance solutions.

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