HF Sinclair (STU:HL80) 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.

STU:HL80 HF Sinclair Corp STU:HL80
58 GF Score
Price €95.38
GF Value €49.41
Valuation Significantly Overvalued
! 5 Warning Signs
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What is HF Sinclair Net Interest Margin (Bank Only) %?

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

STU:HL80
58GF Score
HF Sinclair Corp STU:HL80
Net Interest Margin (Bank Only) % is just one metric. See GF Score™, valuation, warning signs, and more.
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Is HF Sinclair (STU:HL80) Overvalued in 2026?

Based on GuruFocus' analysis, HF Sinclair stock appears to be overvalued. The current stock price of €95.38 is trading 93% above its estimated GF Value™ of €49.41. GuruFocus considers HF Sinclair to be Significantly Overvalued.

Key valuation signals for STU:HL80:

  • Net Interest Margin (Bank Only) %:
  • GF Value™: €49.41 vs. price of €95.38 (93% above fair value)
  • GF Score™: 58/100 with 5 warning signs

No single metric tells the full story. See the STU:HL80 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

HF Sinclair Business Description

Industry EnergyOil & Gas
Other Exchanges DINO:USA
Address 2323 Victory Avenue, Suite 1400, Dallas, TX, USA, 75219
HF Sinclair Corp is a diversified energy company headquartered in Dallas, Texas. It operates as an independent petroleum refiner, owning refineries that serve the Rocky Mountains, Mid-Continent, Southwest, and Pacific Northwest regions of the United States. The company produces and markets gasoline, diesel fuel, jet fuel, asphalt, and other refined products, and also manufactures renewable diesel. Its marketing segment supplies branded and unbranded fuels through a network of wholesale sites and distributors across numerous states. In addition, HF Sinclair operates a lubricants and specialty products business, producing base oils and finished lubricants for automotive and industrial customers. It owns and operates petroleum product pipelines and terminals, primarily in the southwestern United States, supporting its refining and marketing operations. The company generates revenue through the sale of refined products, renewable fuels, lubricants, and related logistics services, serving retail fuel stations, commercial and industrial customers, and wholesale distributors.
58GF Score

Get the complete analysis for STU:HL80

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

€95.38
Price
€49.41
GF Value