Henkel AG KGaA (XTER:HEN3) 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.

XTER:HEN3 Henkel AG & Co KGaA XTER:HEN3
79 GF Score
Price €74.92
GF Value €71.23
Valuation Fairly Valued
! 4 Warning Signs
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What is Henkel AG KGaA Net Interest Margin (Bank Only) %?

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

XTER:HEN3
79GF Score
Henkel AG & Co KGaA XTER:HEN3
Net Interest Margin (Bank Only) % is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Henkel AG KGaA (XTER:HEN3) Overvalued in 2026?

Based on GuruFocus' analysis, Henkel AG KGaA stock appears to be overvalued. The current stock price of €74.92 is trading 5.2% above its estimated GF Value™ of €71.23. GuruFocus considers Henkel AG KGaA to be Fairly Valued.

Key valuation signals for XTER:HEN3:

  • Net Interest Margin (Bank Only) %:
  • GF Value™: €71.23 vs. price of €74.92 (5.2% above fair value)
  • GF Score™: 79/100 with 4 warning signs

No single metric tells the full story. See the XTER:HEN3 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Henkel AG KGaA Business Description

Address Henkelstrasse 67, Duesseldorf, NW, DEU, 40589
Two distinct customer groups constitute Henkel. The consumer segment (around 47% of consolidated 2025 sales) is laundry and homecare, including the Persil and Purex laundry detergent brands; haircare, including the Schwarzkopf brand; and other brands, including Dial in hand soap. The adhesive technologies segment makes up the remaining 53% of sales. Sales in Europe accounted for 38% of the firm's consolidated total in 2025, while Asia-Pacific and North America accounted for 17% and 26%, respectively.
79GF Score

Get the complete analysis for XTER:HEN3

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

€74.92
Price
€71.23
GF Value