Pharmena (WAR:PHR) 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:PHR Pharmena SA WAR:PHR
55 GF Score
Price zł3.11
GF Value zł5.67
Valuation Possible Value Trap
! 4 Warning Signs
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What is Pharmena Net Interest Margin (Bank Only) %?

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

WAR:PHR
55GF Score
Pharmena SA WAR:PHR
Net Interest Margin (Bank Only) % is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Pharmena (WAR:PHR) Overvalued in 2026?

Based on GuruFocus' analysis, Pharmena stock appears to be undervalued. The current stock price of zł3.11 is trading 45.1% below its estimated GF Value™ of zł5.67. GuruFocus considers Pharmena to be Possible Value Trap.

Key valuation signals for WAR:PHR:

  • Net Interest Margin (Bank Only) %:
  • GF Value™: zł5.67 vs. price of zł3.11 (45.1% below fair value)
  • GF Score™: 55/100 with 4 warning signs

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

Pharmena Business Description

Address Ulica Wolczanska 178, Lodz, POL, 90-530
Pharmena SA produces cosmeceuticals and pharmaceuticals. The company's activity focuses on three areas such as research in the USA and Canada on the application of selected pyridinium salts in medicine in order to develop an anti-atherosclerosis drug on a global scale, Production and sales of innovative patented dermocosmetics and introduction into the market of an innovative dietary supplement for atherosclerosis prophylaxis. Its products include Menavitin, Dermena, Allerco and Thermi.
55GF Score

Get the complete analysis for WAR:PHR

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

zł3.11
Price
zł5.67
GF Value