Hortico (WAR:HOR) 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.

WAR:HOR Hortico SA WAR:HOR
90 GF Score
Price zł7.50
GF Value zł7.02
Valuation Fairly Valued
! 6 Warning Signs
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What is Hortico Net Interest Margin (Bank Only) %?

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

WAR:HOR
90GF Score
Hortico SA WAR:HOR
Net Interest Margin (Bank Only) % is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Hortico (WAR:HOR) Overvalued in 2026?

Based on GuruFocus' analysis, Hortico stock appears to be overvalued. The current stock price of zł7.50 is trading 6.8% above its estimated GF Value™ of zł7.02. GuruFocus considers Hortico to be Fairly Valued.

Key valuation signals for WAR:HOR:

  • Net Interest Margin (Bank Only) %:
  • GF Value™: zł7.02 vs. price of zł7.50 (6.8% above fair value)
  • GF Score™: 90/100 with 6 warning signs

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

Hortico Business Description

Address Ulica Gieldowa 12H, Wroclaw, POL, 52-437
Hortico SA operates on the wholesale and retail sale of gardening articles. The company offers a wide range of goods, seeds and cuttings, fertilizers, garden substrates, biological protection agents, films and nonwovens, plant protection products, gardening equipment, garden tools and nursery articles. It works with suppliers from all over Europe and sells in Poland, Russia, Portugal, Hungary, Ukraine and Belarus.
90GF Score

Get the complete analysis for WAR:HOR

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

zł7.50
Price
zł7.02
GF Value