Yamaguchi Financial Group (5FW) fair value: what the stock is really worth
As of Sep 30, 2026: fair value of Yamaguchi Financial Group €13.73, price €19.60, upside -30.0%, quality 55 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
In Frankfurt, only 1 of the last 22 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.
YFSome dataSep 30, 2026
Yamaguchi Financial Group
5FW · F
Overvalued / MonitorQuality is not strong enough to offset the price risk.
!Fair value €13.73 · Overvalued (−30.0%)
!Quality 55/100
!Expensive Growth(revenue 3y +16.5 %/yr)
✓Solidly profitable · 16.0% net margin (TTM)
!negative free cash flow
!2.7% dividend yield · Watch coverage
!Trails peers(4/11)
!Moderate moat51/100
!Evidence only medium, so the estimate is less certain
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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 €4.13 – €19.60 · fair‑value band €10.30 – €15.15 · the €19.60 price screens above the €13.73 fair value. Dashed = 300-day average. As of Sep 30, 2026.
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Yamaguchi Financial Group, Inc., together with its subsidiaries, provides various banking products and services in Japan.
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Yamaguchi Financial Group, Inc., together with its subsidiaries, provides various banking products and services in Japan. The company engages in securities brokerage, credit card, leasing, regional research and consulting, insurance agent, debt management and collection, investment management, fund management, employee benefits agency, welfare and benefits outsourcing services, and credit guarantee businesses. It is also involved in the agriculture and crowdfunding business, business growth and problem-solving support services, as well as wholesale and retail of agricultural, forestry, and fishery products. Yamaguchi Financial Group, Inc. was incorporated in 2006 and is headquartered in Shimonoseki, Japan.
Stock analysis
Yamaguchi Financial Group (5FW) currently trades at €19.60, while our model-based Fair Value estimate is €13.73, 30.0% 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 €14.14 per share, and 0 of the 6 models we run sit above the €19.60 price.
Bear case: the Dividend Discount group reads lowest at €5.54, and 6 of the 6 models stay below the price. Evidence for this calculation is medium.
Scenario range: €10.30 (bear) to €15.15 (bull), the price of €19.60 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.
Yamaguchi Financial Group reported revenue of ¥207B in FY2026 versus ¥132B in FY2022, a compound +11.9%/yr. Reported net income was ¥33.0B in FY2026.
Key figures
Market cap €4.0B · P/E ratio 22.5 · P/S ratio 3.59 · EPS (TTM) €0.8700 · Dividend yield 2.7% · Net margin 15.9% · Return on equity 5.7% · Return on assets 0.3%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 32 out of 100 (low confidence).
What moves the price
The share trades at its 52-week high and 115% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −38% fair-value upside, at −30%, 5FW screens cheaper than that median.
Fair Value models
Bear €10.30Fair Value €13.73Bull €15.15
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.62/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+23.1%
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.
+16.5%
’22
’23
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’25
’26
What shareholders gained per year (last 3 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 3 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.
Compare Yamaguchi Financial Group with another stock
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 · 1058 stocks
Beats the industry median on 4/11 measures
Overall it trails its industry peers.
Valuation
Quality Score54 · Below median
Fair Value upside−27.4% · Below median
Profitability
Return on equity (TTM)5.7% · Bottom 25%
Return on assets0.3% · Bottom 25%
Net margin (TTM)16.0% · Bottom 25%
Operating margin (TTM)32.9% · Below median
Growth and dividend
Revenue growth40.8% · Top 25%
Dividend yield (TTM)2.7% · Above median
Valuation Multiplesvs Banks - Regional median · lower = cheaper
P/E (TTM)22.5× · Priciest 25%
P/B1.04× · Cheaper than median
P/S (TTM)2.97× · Cheaper than median
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 12
FUTURE (revenue growth)100· sector 47
PAST (return on equity)23· sector 41
HEALTH (low debt)0· sector 85
DIVIDEND (yield)54· sector 53
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). "Yamaguchi Financial Group Fair Value". https://www.fairvalue-calculator.com/stock/5FW.F
Frequently asked questions
Is Yamaguchi Financial Group (5FW) overvalued or undervalued?
As of Sep 30, 2026, our model estimates a fair value of €13.73 versus a price of €19.60, about −30% upside (overvalued).
What is the fair value of 5FW?
Our model-based fair value for Yamaguchi Financial Group is €13.73 (as of Sep 30, 2026), built from audited fundamentals. The current price: €19.60.
What is the quality score of 5FW?
Yamaguchi Financial Group 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 Yamaguchi Financial Group (5FW)?
Our model-based price target is the fair value of €13.73 (as of Sep 30, 2026) from 6 valuation models. Cautious scenario €10.30, optimistic scenario €15.15. It is a calculation from audited fundamentals, not an analyst target.
What is the Yamaguchi Financial Group stock forecast for 2026?
Our models put fair value at €13.73, about −30% upside versus a price of €19.60 (overvalued). Cautious scenario €10.30, optimistic scenario €15.15. The calculation is refreshed regularly with new filings.
What is the revenue of Yamaguchi Financial Group (5FW)?
Yamaguchi Financial Group reported trailing-twelve-month revenue of about ¥235B (latest available figure, as of Sep 30, 2026).
Does Yamaguchi Financial Group pay a dividend?
Yamaguchi Financial Group currently shows a dividend yield of about 2.68% relative to its recent price (as of Sep 30, 2026).
What is the intrinsic value of Yamaguchi Financial Group (5FW)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Yamaguchi Financial Group it is €13.73 per share (as of Sep 30, 2026), against a price of €19.60. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Yamaguchi Financial Group stock overvalued or undervalued in 2026?
As of Sep 30, 2026, 5FW trades above its calculated fair value: price €19.60, fair value €13.73, a gap of about −30% (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 5FW?
No. The price is what the market pays today (€19.60); the fair value is what the company's own numbers justify (€13.73). For Yamaguchi Financial Group the two are €5.87 per share apart. That gap is exactly why we show both numbers side by side.
How much is Yamaguchi Financial Group worth?
The market values Yamaguchi Financial Group at about €4.0B (market capitalisation, as of Sep 30, 2026). Per share that is €19.60; our models calculate a fair value of €13.73 per share.
What do the bullish and bearish scenarios say about 5FW?
Our models span a range for Yamaguchi Financial Group: cautious scenario €10.30, base €13.73, optimistic €15.15 per share (as of Sep 30, 2026, price €19.60). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 5FW?
Yamaguchi Financial Group trades at a price-to-earnings ratio of 22.5 (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 €13.73 is built from several models across several years. Other multiples: P/B 1.0, P/S 3.0.
How solid is the balance sheet of Yamaguchi Financial Group (5FW)?
Balance-sheet figures for Yamaguchi Financial Group (as of Sep 30, 2026): return on equity 5.7%. They feed the Quality Score of 55/100, which measures business quality independently of the share price.
How far is 5FW from its 52-week high?
Yamaguchi Financial Group trades at €19.60, at its 52-week high of €19.60 and 115% above the low of €9.13 (as of Sep 30, 2026). Distance from the high says nothing about value: that is what the fair value of €13.73 is for.
Which stocks are comparable to Yamaguchi Financial Group?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, UniCredit S.p.A, Intesa Sanpaolo S.p.A, 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 Yamaguchi Financial Group stock attractive at the current price?
The data as of Sep 30, 2026: price €19.60, calculated fair value €13.73 (−30%), 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 5FW calculated?
We run Yamaguchi Financial Group 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 €13.73, 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 14.7 % above its aggregate fair value. Yamaguchi Financial Group 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 Yamaguchi Financial Group (5FW)?
The closing price on Sep 30, 2026 was €19.60. Our model-based fair value is €13.73, about −30% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Yamaguchi Financial Group right now?
The price sits above even our optimistic bull case (€15.15). 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 Yamaguchi Financial Group
How large is the market capitalisation of Yamaguchi Financial Group (5FW)?
The market capitalisation of Yamaguchi Financial Group is €4.0B. 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 Yamaguchi Financial Group (5FW)?
The price-to-sales ratio of Yamaguchi Financial Group is 3.59 (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 Yamaguchi Financial Group (5FW)?
Earnings per share at Yamaguchi Financial Group are €0.8700 (price ÷ EPS = P/E 22.5). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Yamaguchi Financial Group (5FW)?
The dividend yield of Yamaguchi Financial Group is 2.7% (payout 60.4%). 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 Yamaguchi Financial Group (5FW)?
The net margin of Yamaguchi Financial Group is 15.9% (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 Yamaguchi Financial Group (5FW)?
The return on equity (ROE) of Yamaguchi Financial Group is 5.7% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the return on assets of Yamaguchi Financial Group (5FW)?
The return on assets (ROA) of Yamaguchi Financial Group is 0.3% (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 Yamaguchi Financial Group (5FW)?
The operating margin of Yamaguchi Financial Group is 32.9% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Yamaguchi Financial Group (5FW)?
Revenue at Yamaguchi Financial Group is growing +40.8% versus a year earlier (3y avg +16.5%). 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 Yamaguchi Financial Group (5FW)?
Earnings per share at Yamaguchi Financial Group are growing +51.6% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Yamaguchi Financial Group (5FW) generate?
The free cash flow of Yamaguchi Financial Group is −¥256B (fiscal year 2026). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
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