Seven Bank, Ltd (0S7) fair value: what the stock is really worth
As of Oct 1, 2026: fair value of Seven Bank, Ltd €0.97, price €1.88, upside -48.4%, quality 60 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
In Frankfurt, only 0 of the last 21 trading days (30 days) had any turnover. On the other days the price is an indicative quote without trading, so we do not list this stock in the radar. It stays reachable through search.
SBSome dataSep 30, 2026
Seven Bank, Ltd
0S7 · F
Stretched ValuationStrong overvaluation with only moderate quality.
!Fair value €0.9700 · Strongly overvalued (−48.4%)
✓Quality 60/100
!Mixed Growth(revenue 5y +9.8 %/yr)
!Thin margins · 7.4% net margin (TTM)
✓Moderate debt · generates free cash flow
✓3.1% dividend yield · Sustainable
!Trails peers(5/13)
!Moderate moat49/100
!Evidence only medium, so the estimate is less certain
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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, dashed = 300-day average. As of Sep 30, 2026.
How to read this chart
60‑month range €1.34 – €2.00 · fair‑value band €0.7250 – €1.21 · the €1.88 price screens above the €0.9700 fair value. Dashed = 300-day average. As of Sep 30, 2026.
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Seven Bank, Ltd. provides various banking products and services to individual and corporate customers in Japan and internationally.
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Seven Bank, Ltd. provides various banking products and services to individual and corporate customers in Japan and internationally. The company offers account services, including deposits, post payment, financial product intermediary, loan, and debit services; ATM services, such as cash inflows and outflows, top-up transactions, account opening and information change services, information services for ATM transactions; international money transfer, credit card and electronic money services. It also provides back-office support services, anti-money laundering measures; and development of fraud detection services and online personal authentication services platforms, as well as identity verification and fraud detection services. Seven Bank, Ltd. was incorporated in 2001 and is headquartered in Tokyo, Japan.
Stock analysis
Seven Bank, Ltd (0S7) currently trades at €1.88, while our model-based Fair Value estimate is €0.9700, 48.4% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Economic Profit group reads highest at a median of €1.04 per share, and 0 of the 6 models we run sit above the €1.88 price.
Bear case: the Dividend Discount group reads lowest at €0.7700, and 6 of the 6 models stay below the price. Evidence for this calculation is medium.
Scenario range: €0.7250 (bear) to €1.21 (bull), the price of €1.88 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 60/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Seven Bank, Ltd reported revenue of ¥162B in FY2026 versus ¥100B in FY2022, a compound +12.7%/yr. Reported net income was ¥13.5B in FY2026, compounding −10.3%/yr from FY2022.
Key figures
Market cap €2.2B · P/E ratio 26.9 · P/S ratio 2.24 · EPS (TTM) €0.0700 · Dividend yield 3.1% · Net margin 8.3% · Return on equity 6.2% · Return on assets (EBIT) 3.9%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 46 out of 100 (low confidence).
What moves the price
The share trades about 2% below its 52-week high and 37% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −36% fair-value upside, at −48%, 0S7 screens richer than that median.
Fair Value models
Bear €0.7250Fair Value €0.9700Bull €1.21
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model.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.Evidence ⓘEvidence = 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.80/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+3.1%
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.
+13.2%
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.
+9.8%
Start year 2021 (pandemic). Over 10 years: +3.1% a year
Revenue growth 12 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.
+3.8%
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What shareholders gained per year (last 5 years), in JPY ⓘ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. 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.
−9.0%
Earnings growth per share plus dividend.
Earnings per share, growth per year−12.1%
Dividend (yield on the price)3.1%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.−12.1% vs −5.8%, slowing
Profit margin 2014 to 2019 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.34% → 38%
Start year 2021 (pandemic)
Growth Forecast
Little optimism in the price
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
less than -40 %
Yearly growth needed for the next five years to justify today's price.
What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.
+13.5%
Yearly sales growth analysts expect, extended to five years.
After inflation (figures in JPY, Japan: IMF forecast 2.1% a year to 2030, 1.3% from 2016 to 2025) that is about +11.2% a year for the forecasts.
Price, fair value, quality and upside side by side.
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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 · 1053 stocks
Beats the industry median on 5/13 measures
Overall it trails its industry peers.
Valuation
Quality Score68 · Top 25%
Fair Value upside−48.7% · Bottom 25%
Profitability
Return on equity (TTM)6.2% · Bottom 25%
Return on assets1.1% · Above median
Net margin (TTM)7.4% · Bottom 25%
Operating margin (TTM)26.1% · Bottom 25%
Growth and dividend
Revenue growth5.7% · Below median
Dividend yield (TTM)3.1% · Above median
Balance sheet
Debt / equity0.52× · Above median
Valuation Multiplesvs Banks - Regional median · lower = cheaper
P/E (TTM)26.9× · Priciest 25%
P/B1.40× · Pricier than median
P/S (TTM)1.83× · Cheapest 25%
P/FCF6.8× · Cheaper than median
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 12
FUTURE (revenue growth)29· sector 47
PAST (return on equity)25· sector 41
HEALTH (low debt)74· sector 84
DIVIDEND (yield)63· sector 52
VALUE 0: the price sits above our fair-value range.
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). "Seven Bank, Ltd Fair Value". https://www.fairvalue-calculator.com/stock/0S7
Frequently asked questions
Is Seven Bank, Ltd (0S7) overvalued or undervalued?
As of Sep 30, 2026, our model estimates a fair value of €0.9700 versus a price of €1.88, about −48% upside (overvalued).
What is the fair value of 0S7?
Our model-based fair value for Seven Bank, Ltd is €0.9700 (as of Sep 30, 2026), built from audited fundamentals. The current price: €1.88.
What is the quality score of 0S7?
Seven Bank, Ltd has a Quality Score of 60/100. 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 Seven Bank, Ltd (0S7)?
Our model-based price target is the fair value of €0.9700 (as of Sep 30, 2026) from 6 valuation models. Cautious scenario €0.7250, optimistic scenario €1.21. It is a calculation from audited fundamentals, not an analyst target.
What is the Seven Bank, Ltd stock forecast for 2026?
Our models put fair value at €0.9700, about −48% upside versus a price of €1.88 (overvalued). Cautious scenario €0.7250, optimistic scenario €1.21. The calculation is refreshed regularly with new filings.
What is the revenue of Seven Bank, Ltd (0S7)?
Seven Bank, Ltd reported trailing-twelve-month revenue of about ¥214B (latest available figure, as of Sep 30, 2026).
Does Seven Bank, Ltd pay a dividend?
Seven Bank, Ltd currently shows a dividend yield of about 3.13% relative to its recent price (as of Sep 30, 2026).
What growth is priced into Seven Bank, Ltd (0S7)?
For today's price to be fair in a discounted-cash-flow model, Seven Bank, Ltd would have to grow free cash flow by less than minus 40 % per year for five years (discount rate 8.3 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +9.8 % per year. As of Sep 30, 2026.
What discount rate (WACC) does the fair value of 0S7 use?
Our models discount Seven Bank, Ltd at 8.3 %: a base by market capitalisation (mid), damped by beta 0.11, country premium for Germany. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Seven Bank, Ltd that is less than minus 40 % per year a year over ten years, using the same discount rate (8.3 %) and the same formula as our fair value.
How much growth has Seven Bank, Ltd (0S7) delivered so far?
Over the past 5 years revenue at Seven Bank, Ltd grew +9.8 % a year. The price currently implies less than minus 40 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Seven Bank, Ltd (0S7) growing?
The median revenue growth in the sector is +9.3 % a year. That is the yardstick for the growth priced into Seven Bank, Ltd (less than minus 40 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Seven Bank, Ltd (0S7)?
The free-cash-flow yield on the price is 14.81 %: that much free cash flow Seven Bank, Ltd produces per unit of market value. When it exceeds the discount rate of our models (8.3 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Seven Bank, Ltd (0S7)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Seven Bank, Ltd it is €0.9700 per share (as of Sep 30, 2026), against a price of €1.88. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Seven Bank, Ltd stock overvalued or undervalued in 2026?
As of Sep 30, 2026, 0S7 trades above its calculated fair value: price €1.88, fair value €0.9700, a gap of about −48% (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 0S7?
No. The price is what the market pays today (€1.88); the fair value is what the company's own numbers justify (€0.9700). For Seven Bank, Ltd the two are €0.9100 per share apart. That gap is exactly why we show both numbers side by side.
How much is Seven Bank, Ltd worth?
The market values Seven Bank, Ltd at about €2.2B (market capitalisation, as of Sep 30, 2026). Per share that is €1.88; our models calculate a fair value of €0.9700 per share.
What do the bullish and bearish scenarios say about 0S7?
Our models span a range for Seven Bank, Ltd: cautious scenario €0.7250, base €0.9700, optimistic €1.21 per share (as of Sep 30, 2026, price €1.88). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 0S7?
Seven Bank, Ltd trades at a price-to-earnings ratio of 26.9 (as of Sep 30, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of €0.9700 is built from several models across several years. Other multiples: P/B 1.4, P/S 1.8.
How solid is the balance sheet of Seven Bank, Ltd (0S7)?
Balance-sheet figures for Seven Bank, Ltd (as of Sep 30, 2026): return on equity 6.2%, debt of 0.52 per unit of equity. They feed the Quality Score of 60/100, which measures business quality independently of the share price.
How far is 0S7 from its 52-week high?
Seven Bank, Ltd trades at €1.88, about 2% below its 52-week high of €1.91 and 37% above the low of €1.37 (as of Oct 1, 2026). Distance from the high says nothing about value: that is what the fair value of €0.9700 is for.
Which stocks are comparable to Seven Bank, Ltd?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, 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 Seven Bank, Ltd stock attractive at the current price?
The data as of Sep 30, 2026: price €1.88, calculated fair value €0.9700 (−48%), Quality Score 60/100, 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 0S7 calculated?
We run Seven Bank, Ltd through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of €0.9700, 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 14.5 % above its aggregate fair value. Seven Bank, 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 Seven Bank, Ltd (0S7)?
The closing price on Oct 1, 2026 was €1.88. Our model-based fair value is €0.9700, about −48% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Seven Bank, Ltd right now?
The price sits above even our optimistic bull case (€1.21). The favourable scenario is already priced in. Solid but not exceptional quality (60/100) 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 Seven Bank, Ltd
How large is the market capitalisation of Seven Bank, Ltd (0S7)?
The market capitalisation of Seven Bank, Ltd is €2.2B. 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 Seven Bank, Ltd (0S7)?
The price-to-sales ratio of Seven Bank, Ltd is 2.24 (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 Seven Bank, Ltd (0S7)?
Earnings per share at Seven Bank, Ltd are €0.0700 (price ÷ EPS = P/E 26.9). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Seven Bank, Ltd (0S7)?
The dividend yield of Seven Bank, Ltd is 3.1% (payout 84.1%). 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 Seven Bank, Ltd (0S7)?
The net margin of Seven Bank, Ltd is 8.3% (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 Seven Bank, Ltd (0S7)?
The return on equity (ROE) of Seven Bank, Ltd is 6.2% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Seven Bank, Ltd (0S7)?
On an EBIT basis the return on assets of Seven Bank, Ltd is 3.9% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Seven Bank, Ltd (0S7)?
The operating margin of Seven Bank, Ltd is 26.1% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Seven Bank, Ltd (0S7)?
Revenue at Seven Bank, Ltd is growing +5.7% versus a year earlier (3y avg +13.2%). 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 Seven Bank, Ltd (0S7)?
Earnings per share at Seven Bank, Ltd are growing +54.3% versus a year earlier. How much earnings per share grew versus a year earlier.
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