UPMMY (UPM-Kymmene Oyj) 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.

UPMMY UPM-Kymmene Oyj UPMMY
69 GF Score
Price $26.29
GF Value $29.66
Valuation Modestly Undervalued
! 5 Warning Signs
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What is UPM-Kymmene Oyj Net Interest Margin (Bank Only) %?

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

UPMMY
69GF Score
UPM-Kymmene Oyj UPMMY
Net Interest Margin (Bank Only) % is just one metric. See GF Score™, valuation, warning signs, and more.
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Is UPM-Kymmene Oyj (UPMMY) Overvalued in 2026?

Based on GuruFocus' analysis, UPM-Kymmene Oyj stock appears to be undervalued. The current stock price of $26.29 is trading 11.4% below its estimated GF Value™ of $29.66. GuruFocus considers UPM-Kymmene Oyj to be Modestly Undervalued.

Key valuation signals for UPMMY:

  • Net Interest Margin (Bank Only) %:
  • GF Value™: $29.66 vs. price of $26.29 (11.4% below fair value)
  • GF Score™: 69/100 with 5 warning signs

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

UPM-Kymmene Oyj Business Description

Address Alvar Aallon katu 1, P.O. Box 380, Helsinki, FIN, FI-00100
UPM-Kymmene Oyj is a Finnish paper and biomaterials company. The company produces products related to the forestry industry, including paper, pulp, and plywood. UPM is also the majority electricity generator in Finland and is one of the globalised producers of self-adhesive labeling materials. It delivers responsible solutions and innovation for a future beyond fossils across six business areas: UPM Fibres, UPM Energy, UPM Raflatac, UPM Specialty Papers, UPM Communication Papers, and UPM Plywood. Geographically, the company has operational footprints in Sweden, Finland, the Netherlands, and other regions.
69GF Score

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

$26.29
Price
$29.66
GF Value