Concordia Financial Group Ltd (CRDIY) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Concordia Financial Group Ltd stock $22.04, price $30.66, that is 28.1% below the price, quality 55 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 6, 2026.
How to read this chart
60‑month range $7.03 – $38.45 · fair‑value band $20.53 – $26.59 · the $30.66 price screens above the $22.04 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 6, 2026.
Follow Concordia Financial Group in your weekly email
Every Wednesday you see whether Concordia Financial Group is on track or worth a review, plus price against fair value. Free, up to 3 stocks.
We send you a confirmation link. Unsubscribe with one click.
Yokohama Financial Group, Inc. provides various banking products and services to small and medium-sized businesses and individuals in Japan and internationally.
Show moreShow less
The company offers current, savings, notice, and term deposits; loan products; and securities, leasing, information, research and venture capital services. The company was formerly known as Concordia Financial Group, Ltd. and changed its name to Yokohama Financial Group, Inc. in October 2025.
Yokohama Financial Group, Inc. was incorporated in 2016 and is headquartered in Tokyo, Japan.
Stock analysis
Concordia Financial Group Ltd (CRDIY) currently trades at $30.66, while our model-based Fair Value estimate is $22.04, 28% below the price, so the stock looks overvalued today.
Show more
Valuation
Bull case: the Multiples group reads highest at a median of $28.31 per share, and 1 of the 6 models we run sit above the $30.66 price.
Bear case: the Dividend Discount group reads lowest at $12.89, and 5 of the 6 models stay below the price. Data coverage for this calculation is medium.
Scenario range: $20.53 (bear) to $26.59 (bull), the price of $30.66 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 55/100 (solid quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Concordia Financial Group Ltd reported revenue of ¥376B in FY2026 versus ¥265B in FY2022, a compound +9.1%/yr. Reported net income was ¥107B in FY2026, compounding +18.6%/yr from FY2022.
Key figures
Market cap $10.8B Large · P/E ratio 16.0 · P/S ratio 4.53 · EPS (TTM) $1.92 · Dividend yield 2.5% · Net margin 28.4% · Return on equity 8.0% · Return on assets 0.4%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 56 out of 100 (medium confidence).
What moves the price
The share trades about 20% below its 52-week high and 42% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −28%, CRDIY screens richer than that median.
Fair Value models
Bear$20.53Fair Value $22.04Bull$26.59
Price $30.66 · Downside -28.1%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2026 figures (about 7 months old). Earnings retained since then ($1.17 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.46/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+19.5%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+12.1%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+6.8%
Start year 2021 (pandemic)
Revenue growth 9 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+1.9%
’17
’18
’19
’20
’21
’22
’23
’24
’25
’26
What shareholders gained per year (last 5 years), in JPY (mathematically smoothed) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip. Measured in JPY: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
+28.7%
Earnings growth per share plus dividend.
Earnings per share, growth per year+26.2%
Dividend (yield on the price)2.5%
2026 sits 67% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
News mood ⓘNews mood, the average tone of recent news (6 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation.Hype
Recent news coverage is unusually upbeat, far more positive than stocks are typically covered.
AI conclusion: Steady gains in core lending margins paired with active share repurchases form the main strength, while low returns on equity and commoditized services point to a weak moat.
Main risk: Fintech platforms and digital banks could capture more of the regional mortgage and retail deposit market with lower rates and streamlined processes, reducing loan volumes and margins for the group's core lending and deposit services.
Bull case: By deepening solution-based services and leveraging its strong local relationships the group could retain and grow its customer base despite fintech competition and demographic shifts.
Bear case: If fintech and digital banks continue gaining share while the regional population shrinks the group's core lending and deposit franchise could face sustained margin pressure and lower volumes.
Yokohama Financial Group keeps acquiring its own shares through an active repurchase program, with several million shares bought in September alone to support capital efficiency. This runs alongside steady gains in core lending margins for the regional bank. Does the buyback activity mainly strengthen long-term returns for shareholders, or does it reflect constraints on finding higher-growth uses for the capital in its home market?
Compare Concordia Financial Group Ltd with another stock
Price, fair value, quality and upside side by side.
Free, no sign-up
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 998 stocks
Beats the industry median on 3/12 measures
Overall it trails its industry peers.
Valuation
Quality Score55 · Above median
Fair Value upside−28.1% · Below median
Profitability
Return on equity (12 months)8.0% · Below median
Return on assets0.4% · Bottom 25%
Net margin (12 months)27.9% · Below median
Operating margin (12 months)44.3% · Above median
Growth and dividend
Revenue growth (quarter YoY)12.6% · Above median
Dividend yield (12 months)2.5% · Below median
Balance sheet
Debt / equity0.73× · Highest 25%
Valuation Multiplesvs Banks - Regional median · lower = cheaper
P/E (12 months)16.0× · Priciest 25%
P/B1.22× · Pricier than median
P/S (12 months)4.30× · Pricier than median
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 8
FUTURE (revenue growth)63· sector 47
PAST (return on equity)32· sector 43
HEALTH (low debt)–
DIVIDEND (yield)49· sector 53
VALUE 0: the price sits above our fair-value range.
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Concordia Financial Group Ltd Fair Value". https://www.fairvalue-calculator.com/stock/CRDIY
Frequently asked questions
Is Concordia Financial Group Ltd (CRDIY) overvalued or undervalued?
As of Nov 6, 2026, our model estimates a fair value of $22.04 versus a price of $30.66, about 28% lower (overvalued).
What is the fair value of CRDIY?
Our model-based fair value for Concordia Financial Group Ltd is $22.04 (as of Nov 6, 2026), built from audited fundamentals. The current price: $30.66.
What is the quality score of CRDIY?
Concordia Financial Group Ltd has a Quality Score of 55/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Concordia Financial Group Ltd (CRDIY)?
Our model-based price target is the fair value of $22.04 (as of Nov 6, 2026) from 6 valuation models. Cautious scenario $20.53, optimistic scenario $26.59. It is a calculation from audited fundamentals, not an analyst target.
What is the Concordia Financial Group Ltd stock forecast for 2026?
Our models put fair value at $22.04, about 28% lower versus a price of $30.66 (overvalued). Cautious scenario $20.53, optimistic scenario $26.59. The calculation is refreshed regularly with new filings.
What is the revenue of Concordia Financial Group Ltd (CRDIY)?
Concordia Financial Group Ltd reported trailing-twelve-month revenue of about ¥399B (latest available figure, as of Nov 6, 2026).
Does Concordia Financial Group Ltd pay a dividend?
Concordia Financial Group Ltd currently shows a dividend yield of 2.46% relative to its recent price (as of Nov 6, 2026).
How much is the dividend of Concordia Financial Group Ltd (CRDIY) and when is the ex-dividend date?
Concordia Financial Group Ltd has a dividend yield of 2.5%. The last ex-dividend date was Mar 31, 2026. A dividend has been paid every year since at least 2020. The payout ratio is 41.4% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of Concordia Financial Group Ltd (CRDIY)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Concordia Financial Group Ltd it is $22.04 per share (as of Nov 6, 2026), against a price of $30.66. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Concordia Financial Group Ltd stock overvalued or undervalued in 2026?
As of Nov 6, 2026, CRDIY trades above its calculated fair value: price $30.66, fair value $22.04, a gap of about −28% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of CRDIY?
No. The price is what the market pays today ($30.66); the fair value is what the company's own numbers justify ($22.04). For Concordia Financial Group Ltd the two are $8.62 per share apart. That gap is exactly why we show both numbers side by side.
How much is Concordia Financial Group Ltd worth?
The market values Concordia Financial Group Ltd at about $10.8B (market capitalisation, as of Nov 6, 2026). Per share that is $30.66; our models calculate a fair value of $22.04 per share.
What do the bullish and bearish scenarios say about CRDIY?
Our models span a range for Concordia Financial Group Ltd: cautious scenario $20.53, base $22.04, optimistic $26.59 per share (as of Nov 6, 2026, price $30.66). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of CRDIY?
Concordia Financial Group Ltd trades at a price-to-earnings ratio of 16.0 (as of Nov 6, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $22.04 is built from several models across several years. Other multiples: P/B 1.2, P/S 4.3.
How solid is the balance sheet of Concordia Financial Group Ltd (CRDIY)?
Balance-sheet figures for Concordia Financial Group Ltd (as of Nov 6, 2026): return on equity 8.0%, debt of 0.73 per unit of equity. They feed the Quality Score of 55/100, which measures business quality independently of the share price.
How far is CRDIY from its 52-week high?
Concordia Financial Group Ltd trades at $30.66, about 20% below its 52-week high of $38.45 and 42% above the low of $21.62 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $22.04 is for.
Which stocks are comparable to Concordia Financial Group Ltd?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Concordia Financial Group Ltd stock attractive at the current price?
The data as of Nov 6, 2026: price $30.66, calculated fair value $22.04 (−28%), Quality Score 55/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of CRDIY calculated?
We run Concordia Financial Group Ltd through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $22.04 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.0% above its aggregate fair value. Concordia Financial Group Ltd itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Concordia Financial Group Ltd (CRDIY)?
The closing price on Nov 6, 2026 was $30.66. Our model-based fair value is $22.04, about 28% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Concordia Financial Group Ltd right now?
The price sits above even our optimistic bull case ($26.59). The favourable scenario is already priced in. Solid but not exceptional quality (55/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Concordia Financial Group Ltd
How large is the market capitalisation of Concordia Financial Group Ltd (CRDIY)?
The market capitalisation of Concordia Financial Group Ltd is $10.8B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Concordia Financial Group Ltd (CRDIY)?
The price-to-sales ratio of Concordia Financial Group Ltd is 4.53 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Concordia Financial Group Ltd (CRDIY)?
Earnings per share at Concordia Financial Group Ltd are $1.92 (price ÷ EPS = P/E 16.0). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Concordia Financial Group Ltd (CRDIY)?
The dividend yield of Concordia Financial Group Ltd is 2.5% (payout 39.3%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Concordia Financial Group Ltd (CRDIY)?
The net margin of Concordia Financial Group Ltd is 28.4% (fiscal year 2026). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Concordia Financial Group Ltd (CRDIY)?
The return on equity (ROE) of Concordia Financial Group Ltd is 8.0% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the return on assets of Concordia Financial Group Ltd (CRDIY)?
The return on assets (ROA) of Concordia Financial Group Ltd is 0.4% (last twelve months). Profit relative to everything the company owns. Harder to inflate than return on equity because debt does not boost it.
What is the operating margin of Concordia Financial Group Ltd (CRDIY)?
The operating margin of Concordia Financial Group Ltd is 44.3% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Concordia Financial Group Ltd (CRDIY)?
Revenue at Concordia Financial Group Ltd is growing +12.6% versus a year earlier (3y avg +12.1%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Concordia Financial Group Ltd (CRDIY)?
Earnings per share at Concordia Financial Group Ltd are growing +21.7% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Concordia Financial Group Ltd (CRDIY) generate?
The free cash flow of Concordia Financial Group Ltd is −¥145B (fiscal year 2026). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
Free · no account needed
Watch Concordia Financial Group Ltd in the live analysis
One click puts Concordia Financial Group Ltd on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 27,000+ stock screener.
Some data
Nov 6, 2026