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Wins Finance Holdings (Wins Finance Holdings) Net Interest Margin (Bank Only) % : 278.10% (As of Jun. 2023)


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What is Wins Finance Holdings Net Interest Margin (Bank Only) %?

Net Interest Margin (Bank Only) % is a measure of the difference between the interest income generated by banks or other financial institutions and the amount of interest paid out to their lenders (for example, deposits), relative to the amount of their interest-earning assets. It is usually calculated as a percentage of what the financial institution earns on loans in a time period and other assets minus the interest paid on borrowed funds divided by the average amount of the assets on which it earned income in that time period (the average earning assets).

GuruFocus calculates Net Interest Margin (Bank Only) % as Net Interest Income (for Banks) divided by its average earning assets. Wins Finance Holdings's annualized Net Interest Income (for Banks) for the quarter that ended in Jun. 2023 was $0.76 Mil. Wins Finance Holdings's average earning assets for the quarter that ended in Jun. 2023 was $0.27 Mil. Therefore, Wins Finance Holdings's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Jun. 2023 was 278.10%.


Wins Finance Holdings Net Interest Margin (Bank Only) % Historical Data

The historical data trend for Wins Finance Holdings's Net Interest Margin (Bank Only) % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Wins Finance Holdings Net Interest Margin (Bank Only) % Chart

Wins Finance Holdings Annual Data
Trend Dec14 Jun15 Jun16 Jun17 Jun18 Jun19 Jun20 Jun21 Jun22 Jun23
Net Interest Margin (Bank Only) %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 26.14 171.47 11.43 164.19 62.41

Wins Finance Holdings Semi-Annual Data
Sep14 Jun15 Dec15 Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23
Net Interest Margin (Bank Only) % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -92.65 8,200.00 -360.87 -154.01 278.10

Competitive Comparison of Wins Finance Holdings's Net Interest Margin (Bank Only) %

For the Credit Services subindustry, Wins Finance Holdings's Net Interest Margin (Bank Only) %, along with its competitors' market caps and Net Interest Margin (Bank Only) % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Wins Finance Holdings's Net Interest Margin (Bank Only) % Distribution in the Credit Services Industry

For the Credit Services industry and Financial Services sector, Wins Finance Holdings's Net Interest Margin (Bank Only) % distribution charts can be found below:

* The bar in red indicates where Wins Finance Holdings's Net Interest Margin (Bank Only) % falls into.



Wins Finance Holdings Net Interest Margin (Bank Only) % Calculation

Net Interest Margin (Bank Only) % (NIM) is a measure of the difference between the interest income generated by banks or other financial institutions and the amount of interest paid out to their lenders (for example, deposits), relative to the amount of their interest-earning assets. It is usually calculated as a percentage of what the financial institution earns on loans in a time period and other assets minus the interest paid on borrowed funds divided by the average amount of the assets on which it earned income in that time period (the average earning assets).

Wins Finance Holdings's annualized Net Interest Margin (Bank Only) % for the fiscal year that ended in Jun. 2023 is calculated as

Net Interest Margin (Bank Only) %(A: Jun. 2023 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (A: Jun. 2022 ) + Earning Assets (A: Jun. 2023 ))/ count )
=0.171/( (0.274 + 0.274)/ 2 )
=0.171/0.274
=62.41 %

where

Earning Assets(A: Jun. 2022 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 0.274 + 0
=0.274

Earning Assets(A: Jun. 2023 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 0.274 + 0
=0.274

Wins Finance Holdings's annualized Net Interest Margin (Bank Only) % for the quarter that ended in Jun. 2023 is calculated as

Net Interest Margin (Bank Only) %(Q: Jun. 2023 )
=(Interest Income + Interest Expense)/Average Earning Assets
=Net Interest Income (for Banks)/( (Earning Assets (Q: Dec. 2022 ) + Earning Assets (Q: Jun. 2023 ))/ count )
=0.762/( (0 + 0.274)/ 1 )
=0.762/0.274
=278.10 %

where

Earning Assets(Q: Dec. 2022 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 0 + 0
=0

Earning Assets(Q: Jun. 2023 )
=Money Market Investments + Net Loan + Securities & Investments
=0 + 0.274 + 0
=0.274

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Note: Interest Expense is the negative value.

In the calculation of annual Net Interest Margin (Bank Only) %, the Net Interest Income (for Banks) of the last fiscal year and the average earning assets over the fiscal year are used. In calculating the quarterly data, the Net Interest Income (for Banks) data used here is two times the semi-annual (Jun. 2023) net interest income data. Net Interest Margin (Bank Only) % is displayed in the 30-year financial page for Banks.


Wins Finance Holdings  (OTCPK:WINSF) Net Interest Margin (Bank Only) % Explanation

The negative value of Net Interest Margin (Bank Only) % mean the firm pays more interest for its debt than the interest revenue generated from its investment.


Wins Finance Holdings Net Interest Margin (Bank Only) % Related Terms

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Wins Finance Holdings (Wins Finance Holdings) Business Description

Traded in Other Exchanges
N/A
Address
No. 58 Jianguo Road, 1st Floor, Building 1B, Chaoyang District, Beijing, CHN, 100024
Wins Finance Holdings Inc is a diversified investment and asset management company. It is in the business of leasing, financial advisory, financial guarantees, and partnerships. The Company operates and manages its business in three reportable segments, namely, the provision of financial services, medical consulting services and Sales medical equipment in the PRC domestic market.
Executives
Amy He officer: Chief Financial Officer 8TH FLOOR BLOCK 8 AOLINJIATAI BLDG, 1 KEHUIQIAN ST, CHAOYANG DISTRICT, BEIJING F4 00000
Richard Xu director, officer: President 65 BROADWAY, SUITE 501, NEW YORK NY 10006
Bradley Reifler director 590 MADISON AVENUE, 21ST FLOOR, NEW YORK NY 10022
Nicholas Clements director 6F/TOWER, 2 WEST PROSPER CENTRE, NO.5, GUANGHUA ROAD, CHAOYANG DISTRICT, BEIJING F4 100020
Jingxiao Zhang director STATISTICS SCHOOL, RENMIN UNIVERSITY, 59 ZHONGGUANCUN AVENUE, HAIDIAN DISTRICT, BEIJING F4 100872
Jianming Hao director, officer: Co-Chief Executive Officer UNIT 106, TERN CENTRE, TOWER II,, 251 QUEEN'S ROAD, CENTRAL, HONG KONG F4 00000
Peilin Zhao 10 percent owner 1908, 19/F, BLOCK 2, NO. 116, GUANGANMENNEIDAJIE, XUANWU XU, BEIJING F4 XXXXXX
Hong Wang 10 percent owner 8TH FL BLK 5 AOLINJIATAI BLDG, 1 KEHUIQIAN ST, CHAOYANG DISTRICT, BEIJING F4 100192

Wins Finance Holdings (Wins Finance Holdings) Headlines

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