Lavena AD - Shumen (XBUL:LAV) 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.

XBUL:LAV Lavena AD - Shumen XBUL:LAV
67 GF Score
Price €1.19
GF Value €2.52
Valuation Significantly Undervalued
! 2 Warning Signs
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What is Lavena AD - Shumen Net Interest Margin (Bank Only) %?

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

XBUL:LAV
67GF Score
Lavena AD - Shumen XBUL:LAV
Net Interest Margin (Bank Only) % is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Lavena AD - Shumen (XBUL:LAV) Overvalued in 2026?

Based on GuruFocus' analysis, Lavena AD - Shumen stock appears to be undervalued. The current stock price of €1.19 is trading 52.8% below its estimated GF Value™ of €2.52. GuruFocus considers Lavena AD - Shumen to be Significantly Undervalued.

Key valuation signals for XBUL:LAV:

  • Net Interest Margin (Bank Only) %:
  • GF Value™: €2.52 vs. price of €1.19 (52.8% below fair value)
  • GF Score™: 67/100 with 2 warning signs

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


Lavena AD - Shumen Business Description

Address Industrial area, PO box 114, Shumen, BGR, 9700
Lavena AD - Shumen is a Bulgarian cosmetic manufacturer. The company manufactures a variety of personal hygiene and skincare items, including creams, oils, shampoos, soaps, gels, wet wipes, toothpaste, and sprays. It operates under the brands Bebble, Maternea, Footness, Hands@Work, Sport Ready, and MyRose.
67GF Score

Get the complete analysis for XBUL:LAV

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

€1.19
Price
€2.52
GF Value