Concordia Financial Group Ltd (CRDIY) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of Concordia Financial Group Ltd $18.97, price $35.30, upside -46.3%, quality 65 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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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 23, 2026.
How to read this chart
60‑month range $7.03 – $37.24 · fair‑value band $15.72 – $21.59 · the $35.30 price screens above the $18.97 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 2026.
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Yokohama Financial Group, Inc. provides various banking products and services to small and medium-sized businesses and individuals in Japan and internationally. The company offers current, savings, notice, and term deposits; loan products; and securities, leasing, information, research and venture capital services.
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Yokohama Financial Group, Inc. provides various banking products and services to small and medium-sized businesses and individuals in Japan and internationally. 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 $35.30, while our model-based Fair Value estimate is $18.97, implying the stock looks roughly 86.1% overvalued today.
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Valuation
How firm this estimate is: it rests on 23 models at a data quality of 95/100, which puts the evidence level at medium.
Scenario range: $15.72 (bear) to $21.59 (bull), the price of $35.30 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 65/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Concordia Financial Group Ltd reported revenue of ¥314B in FY2025 versus ¥271B in FY2021, a compound +3.8%/yr. Reported net income was ¥82.8B in FY2025, compounding +34.5%/yr from FY2021.
Key figures
Market cap $12.6B · P/E ratio 20.1 · P/S ratio 5.28 · EPS (TTM) $1.76 · Dividend yield 2.1% · Net margin 26.3% · Return on equity 8.0% · Return on assets 0.4%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 38 out of 100 (medium confidence).
What moves the price
The share trades about 5% below its 52-week high and 80% 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 −46%, CRDIY screens richer than that median.
Fair Value models
Bear $15.72Fair Value $18.97Bull $21.59
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.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.68/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+9.7%
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.
+5.9%
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.
+2.7%
Start year 2020 (pandemic)
Revenue growth 8 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.
−0.1%
’17
’18
’19
’20
’21
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’23
’24
’25
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.
+19.4%
Earnings growth per share plus dividend.
Earnings per share, growth per year+17.3%
Dividend (yield on the price)2.1%
2025 sits 52% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
Growth Forecast
Price in line with expectations
The price assumes more growth than the company has delivered so far and about what analysts expect.
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).
+9.9%
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.
+8.1%
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 +7.6% a year for the price and +5.9% for the forecasts.
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.
Compare Concordia Financial Group Ltd 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 · 1074 stocks
Beats the industry median on 3/13 measures
Overall it trails its industry peers.
Valuation
Quality Score72 · Top 25%
Fair Value upside−46% · Bottom 25%
Profitability
Return on equity (TTM)8% · Below median
Return on assets0% · Bottom 25%
Net margin (TTM)28% · Below median
Operating margin (TTM)32% · Below median
Growth and dividend
Revenue growth21% · Top 25%
Dividend yield (TTM)2.1% · Below median
Balance sheet
Debt / equity0.80× · Highest 25%
Valuation Multiplesvs Banks - Regional median · lower = cheaper
P/E (TTM)20.1× · Priciest 25%
P/B1.55× · Priciest 25%
P/S (TTM)5.18× · Priciest 25%
P/FCF0.0× · Cheapest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 12
FUTURE (revenue growth)100· sector 45
PAST (return on equity)32· sector 41
HEALTH (low debt)60· sector 85
DIVIDEND (yield)42· 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). "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 Sep 23, 2026, our model estimates a fair value of $18.97 versus a price of $35.30, about −46% upside (overvalued).
What is the fair value of CRDIY?
Our model-based fair value for Concordia Financial Group Ltd is $18.97 (as of Sep 23, 2026), built from audited fundamentals. The current price: $35.30.
What is the quality score of CRDIY?
Concordia Financial Group Ltd has a Quality Score of 65/100. 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 $18.97 (as of Sep 23, 2026) from 4 valuation models. Cautious scenario $15.72, optimistic scenario $21.59. 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 $18.97, about −46% upside versus a price of $35.30 (overvalued). Cautious scenario $15.72, optimistic scenario $21.59. 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 ¥386B (latest available figure, as of Sep 23, 2026).
Does Concordia Financial Group Ltd pay a dividend?
Concordia Financial Group Ltd currently shows a dividend yield of about 2.11% relative to its recent price (as of Sep 23, 2026).
What growth is priced into Concordia Financial Group Ltd (CRDIY)?
For today's price to be fair in a discounted-cash-flow model, Concordia Financial Group Ltd would have to grow free cash flow by +9.9 % per year for five years (discount rate 8.1 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +2.7 % per year. As of Sep 23, 2026.
What discount rate (WACC) does the fair value of CRDIY use?
Our models discount Concordia Financial Group Ltd at 8.1 %: a base by market capitalisation (large), damped by beta 0.23, country premium for USA. 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 Concordia Financial Group Ltd that is +9.9 % per year a year over ten years, using the same discount rate (8.1 %) and the same formula as our fair value.
How much growth has Concordia Financial Group Ltd (CRDIY) delivered so far?
Over the past 5 years revenue at Concordia Financial Group Ltd grew +2.7 % a year. The price currently implies +9.9 % 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 Concordia Financial Group Ltd (CRDIY) growing?
The median revenue growth in the sector is +8.4 % a year. That is the yardstick for the growth priced into Concordia Financial Group Ltd (+9.9 % 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 Concordia Financial Group Ltd (CRDIY)?
The free-cash-flow yield on the price is 5.65 %: that much free cash flow Concordia Financial Group Ltd produces per unit of market value. When it exceeds the discount rate of our models (8.1 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
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 $18.97 per share (as of Sep 23, 2026), against a price of $35.30. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is Concordia Financial Group Ltd stock overvalued or undervalued in 2026?
As of Sep 23, 2026, CRDIY trades above its calculated fair value: price $35.30, fair value $18.97, a gap of about −46% (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 ($35.30); the fair value is what the company's own numbers justify ($18.97). For Concordia Financial Group Ltd the two are $16.33 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 $12.6B (market capitalisation, as of Sep 23, 2026). Per share that is $35.30; our models calculate a fair value of $18.97 per share.
What do the bullish and bearish scenarios say about CRDIY?
Our models span a range for Concordia Financial Group Ltd: cautious scenario $15.72, base $18.97, optimistic $21.59 per share (as of Sep 23, 2026, price $35.30). 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 20.1 (as of Sep 23, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $18.97 is built from several models across several years. Other multiples: P/B 1.6, P/S 5.2.
How solid is the balance sheet of Concordia Financial Group Ltd (CRDIY)?
Balance-sheet figures for Concordia Financial Group Ltd (as of Sep 23, 2026): return on equity 8.0%, debt of 0.80 per unit of equity. They feed the Quality Score of 65/100, which measures business quality independently of the share price.
How far is CRDIY from its 52-week high?
Concordia Financial Group Ltd trades at $35.30, about 5% below its 52-week high of $37.24 and 80% above the low of $19.59 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of $18.97 is for.
Which stocks are comparable to Concordia Financial Group Ltd?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, Intesa Sanpaolo S.p.A, HDFC Bank Limited, 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 Sep 23, 2026: price $35.30, calculated fair value $18.97 (−46%), Quality Score 65/100, from 4 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 4 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 $18.97, 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 14.1 % 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 Sep 23, 2026 was $35.30. Our model-based fair value is $18.97, about −46% upside (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 ($21.59). The favourable scenario is already priced in. Solid but not exceptional quality (65/100) 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 $12.6B. 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 5.28 (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 $1.76 (price ÷ EPS = P/E 20.1). 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 2.1% (payout 42.3%). 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 26.3% (fiscal year 2025). 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 31.6% (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 +21.2% versus a year earlier (3y avg +5.9%). 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 +9.5% versus a year earlier. How much earnings per share grew versus a year earlier.
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Some data
Sep 23, 2026