Zozo (TSE:3092) 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.

TSE:3092 Zozo Inc TSE:3092
84 GF Score
Price 円1,193.00
GF Value 円1,447.01
Valuation Modestly Undervalued
! 2 Warning Signs
View Full Analysis

What is Zozo Net Interest Margin (Bank Only) %?

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

TSE:3092
84GF Score
Zozo Inc TSE:3092
Net Interest Margin (Bank Only) % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Is Zozo (TSE:3092) Overvalued in 2026?

Based on GuruFocus' analysis, Zozo stock appears to be undervalued. The current stock price of 円1,193.00 is trading 17.6% below its estimated GF Value™ of 円1,447.01. GuruFocus considers Zozo to be Modestly Undervalued.

Key valuation signals for TSE:3092:

  • Net Interest Margin (Bank Only) %:
  • GF Value™: 円1,447.01 vs. price of 円1,193.00 (17.6% below fair value)
  • GF Score™: 84/100 with 2 warning signs

No single metric tells the full story. See the TSE:3092 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Zozo Business Description

Address 1-15-16 Midori-cho, Inage-ku, Chiba, JPN, 263-0023
Zozo, established in 1998 by Yusaku Maezawa, operates Zozotown, Japan's largest fashion e-commerce platform. Zozotown runs primarily on a consignment model, where brands stock products at Zozo's logistics bases and operate shops as tenants. As of 2025, Zozotown hosts over 11,000 brands and 12.5 million active users. Beyond its core domestic business, Zozo is expanding into adjacent categories such as skincare, cosmetics, and fragrance (near fashion), and internationally through Lyst, a UK-based luxury fashion platform acquired in 2025, and Zozofit, a body measurement app.
84GF Score

Get the complete analysis for TSE:3092

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

円1,193.00
Price
円1,447.01
GF Value