User Local (TSE:3984) Net Interest Margin (Bank Only) %


TSE:3984 User Local Inc TSE:3984
97 GF Score
Price 円1,784.00
GF Value 円2,112.09
Valuation Modestly Undervalued
! 1 Warning Sign
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What is User Local Net Interest Margin (Bank Only) %?

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

TSE:3984
97GF Score
User Local Inc TSE:3984
Net Interest Margin (Bank Only) % is just one metric. See GF Score™, valuation, warning signs, and more.
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Is User Local (TSE:3984) Overvalued in 2026?

Based on GuruFocus' analysis, User Local stock appears to be undervalued. The current stock price of 円1,784.00 is trading 15.5% below its estimated GF Value™ of 円2,112.09. GuruFocus considers User Local to be Modestly Undervalued.

Key valuation signals for TSE:3984:

  • Net Interest Margin (Bank Only) %:
  • GF Value™: 円2,112.09 vs. price of 円1,784.00 (15.5% below fair value)
  • GF Score™: 97/100 with 1 warning sign

No single metric tells the full story. See the TSE:3984 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

User Local Business Description

Address 5-20-6 Shiba, Minato-ku, Tokyo, JPN, 108-0014
User Local Inc is engaged in the research and development of big data analysis system, web marketing support tool, offering media analysis tool, and managing artificial intelligence chat bot.
97GF Score

Get the complete analysis for TSE:3984

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

円1,784.00
Price
円2,112.09
GF Value