L'Oreal (XTER:LOR) 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:LOR L'Oreal SA XTER:LOR
95 GF Score
Price €380.95
GF Value €421.64
Valuation Modestly Undervalued
! 3 Warning Signs
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What is L'Oreal Net Interest Margin (Bank Only) %?

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

XTER:LOR
95GF Score
L'Oreal SA XTER:LOR
Net Interest Margin (Bank Only) % is just one metric. See GF Score™, valuation, warning signs, and more.
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Is L'Oreal (XTER:LOR) Overvalued in 2026?

Based on GuruFocus' analysis, L'Oreal stock appears to be undervalued. The current stock price of €380.95 is trading 9.7% below its estimated GF Value™ of €421.64. GuruFocus considers L'Oreal to be Modestly Undervalued.

Key valuation signals for XTER:LOR:

  • Net Interest Margin (Bank Only) %:
  • GF Value™: €421.64 vs. price of €380.95 (9.7% below fair value)
  • GF Score™: 95/100 with 3 warning signs

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

L'Oreal Business Description

Address 41, Rue Martre, Clichy Cedex, Paris, FRA, 92117
L'Oréal is the largest beauty product maker in the world, with consumer products (37% of sales) and luxury beauty (35%) the major segments, followed by derma skin care (16%) and professional products (12%). The firm also has a diversified geographic footprint, generating 34% of sales in Europe, 27% from North America, 23% in North Asia, and the rest from various emerging markets across South Asia, Latin America, and Africa. L'Oréal owns a mix of premium and mass beauty brands sold through a wide range of channels such as mass retail, drugstores, department stores, travel retail, e-commerce, hair salons, and medi-spas. Leading brands include Lancôme, Yves Saint Laurent, Maybelline, Kiehl's, L'Oréal Paris, Kerastase, CeraVe, Garnier, and Armani.
95GF Score

Get the complete analysis for XTER:LOR

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

€380.95
Price
€421.64
GF Value