Paycloud Holdings (TSE:4015) 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:4015 Paycloud Holdings Inc TSE:4015
73 GF Score
Price 円541.00
GF Value 円800.23
Valuation Significantly Undervalued
! 4 Warning Signs
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What is Paycloud Holdings Net Interest Margin (Bank Only) %?

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

TSE:4015
73GF Score
Paycloud Holdings Inc TSE:4015
Net Interest Margin (Bank Only) % is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Paycloud Holdings (TSE:4015) Overvalued in 2026?

Based on GuruFocus' analysis, Paycloud Holdings stock appears to be undervalued. The current stock price of 円541.00 is trading 32.4% below its estimated GF Value™ of 円800.23. GuruFocus considers Paycloud Holdings to be Significantly Undervalued.

Key valuation signals for TSE:4015:

  • Net Interest Margin (Bank Only) %:
  • GF Value™: 円800.23 vs. price of 円541.00 (32.4% below fair value)
  • GF Score™: 73/100 with 4 warning signs

No single metric tells the full story. See the TSE:4015 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Paycloud Holdings Business Description

Address 2-24-15 Minamiaoyama, Aoyama Tower Building, Minato-ku, Tokyo, JPN, 107-0062
Paycloud Holdings Inc is engaged in cashless services, digital signage and solutions businesses.
73GF Score

Get the complete analysis for TSE:4015

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

円541.00
Price
円800.23
GF Value