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Fuyo General Lease Co (FXL) fair value: what the stock is really worth

As of Oct 1, 2026: fair value of Fuyo General Lease Co €22.72, price €24.20, upside -6.1%, quality 41 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? No
  2. Good quality? No
  3. Add to watchlist

Industrials · DE · Home Japan · ISIN JP3826270005

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.

FG Broad data Sep 30, 2026

Fuyo General Lease Co

FXL · F

Low PriorityFair Value upside is limited and quality is weak.

·Fair value €22.72 · Fairly valued (−6.1%)
!Quality 41/100
!Expensive Growth (revenue 3y +4.6 %/yr)
!Thin margins · 2.7% net margin (TTM)
!High debt · negative free cash flow
!3.7% dividend yield · Watch coverage
!Trails peers (4/13)
!Narrow moat 26/100
!Weak on valuation: 22 out of 100
!Weak on past: 19 out of 100
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

€26.88 €14.39 Fair Value €22.72 Oct 2021 Oct 2026

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

59‑month range €14.39 – €26.88 · fair‑value band €16.54 – €28.40 · the €24.20 price screens above the €22.72 fair value. Dashed = 300-day average. As of Sep 30, 2026.

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Company profile

Fuyo General Lease Co., Ltd. engages in the leasing and instalment sales business in Japan, the United States, Ireland, and internationally. The company operates through Lease and Installment Sales; Financing; and Others segments.

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Fuyo General Lease Co., Ltd. engages in the leasing and instalment sales business in Japan, the United States, Ireland, and internationally. The company operates through Lease and Installment Sales; Financing; and Others segments. The company provides leasing services for information-related and office equipment, and industrial machine tools; and engages in sales of properties related to the sale of goods; as well as real estate leasing and installment sales of commercial, production, and hospital facilities, etc. It also invests in marketable securities and offers loans. It also engages in BPO, mobility, and environment related businesses. Fuyo General Lease Co., Ltd. also engages in the solar power generation business. Fuyo General Lease Co., Ltd. was incorporated in 1969 and is headquartered in Tokyo, Japan.

Stock analysis

Fuyo General Lease Co (FXL) currently trades at €24.20, while our model-based Fair Value estimate is €22.72, so the stock looks roughly fairly valued today (gap 6.5%).

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Valuation

Bull case: the Growth Earnings group reads highest at a median of €23.79 per share, and 2 of the 12 models we run sit above the €24.20 price.

Bear case: the Earnings-Based group reads lowest at €6.75, and 10 of the 12 models stay below the price. Evidence for this calculation is high.

Scenario range: €16.54 (bear) to €28.40 (bull), the price of €24.20 sits inside 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 41/100 (below-average quality), in the Industrials sector.

Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.

Fuyo General Lease Co reported revenue of ¥789B in FY2026 versus ¥658B in FY2022, a compound +4.6%/yr. Reported net income was ¥21.6B in FY2026, compounding −10.7%/yr from FY2022.

Key figures

Market cap €2.2B · P/E ratio 18.2 · P/S ratio 0.50 · EPS (TTM) €1.33 · Dividend yield 3.7% · Net margin 2.7% · Return on equity 4.7% · Return on assets (EBIT) 1.6%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 28 out of 100 (medium confidence).

What moves the price

The share trades about 5% below its 52-week high and 13% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Industrials peers we cover trades at −12% fair-value upside, at −6%, FXL screens cheaper than that median.

Fair Value models

Bear €16.54 Fair Value €22.72 Bull €28.40
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.
Highest evidence
Residual Income €23.40 €23.44 €24.37 73
Growth-Adj P/E €16.65 €23.79 €30.93 65
Gordon GGM €7.74 €15.42 €23.35 64
All 12 models by family
Earnings-Based
Graham-Dodd €9.15 €24.39 €31.90 62
Lynch FV €4.73 €6.75 €8.78 58
PEG = 1.0 €4.73 €6.75 €8.78 55
Dividend Discount
Gordon GGM €7.74 €15.42 €23.35 64
DDM Multi-Stage €7.74 €11.80 €15.96 64
Multiples
P/E Multiple €21.19 €28.26 €35.32 63
P/S Multiple €17.16 €22.87 €28.59 58
P/B Multiple €17.16 €22.87 €28.59 55
EV/EBITDA n/a €2.29 >€9.16 62
Asset-Based
NCAV (Graham) €15.69 €21.03 €31.39 54
Economic Profit
Residual Income €23.40 €23.44 €24.37 73
Growth Earnings
Growth-Adj P/E €16.65 €23.79 €30.93 65

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Quality Score breakdown

Overall quality 41/100

Of which business quality 39 · Market factors (momentum, volatility) 61

Profitability 16
Margins and returns on capital today
Quality Growth 44
Are margins and returns improving?
Cashflow 33
Earnings quality: real cash, not paper profit
Fin. Strength 21
Balance sheet, leverage, solvency risk
Investment 70
Disciplined investing over empire-building
Low Volatility 95
Calm price path (market factor)
Momentum 44
Price trend over the last 3–12 months (market factor)
52W Momentum 52
Distance to the 52-week high (market factor)
Net Issuance 81
Share count: buybacks or dilution?

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Revenue & earnings trend

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. 36/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+16.3%
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.
+4.6%
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. Basis: EBIT basis. 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.
+1.1%
Earnings growth per share plus dividend.
Earnings per share, growth per year−2.6%
Dividend (yield on the price)3.7%
Profit margin 2022 to 2026 ⓘ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.7% → 5%

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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.Rental & Leasing Services · 88 stocks

Beats the industry median on 4/13 measures
Overall it trails its industry peers.
Valuation
Quality Score 41 · Below median
Fair Value upside −8.4% · Below median
Profitability
Return on equity (TTM) 4.7% · Below median
Return on assets 0.8% · Bottom 25%
Net margin (TTM) 2.7% · Below median
Operating margin (TTM) 9.8% · Below median
Growth and dividend
Revenue growth 16.6% · Above median
Dividend yield (TTM) 3.7% · Above median
Balance sheet
Debt / equity 2.95× · Highest 25%

Valuation Multiplesvs Rental & Leasing Services median · lower = cheaper

P/E (TTM) 18.2× · Pricier than median
P/B 0.79× · Cheaper than median
P/S (TTM) 0.49× · Cheaper than median
EV/EBITDA 31.8× · Priciest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)22 · sector 77
FUTURE (revenue growth)83 · sector 34
PAST (return on equity)19 · sector 30
HEALTH (low debt)0 · sector 66
DIVIDEND (yield)74 · sector 48

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Rental & Leasing Services stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
United Rentals, Inc URI $1,044 $441.48 −58%
Sunbelt Rentals Holdings SUNB $75.06 $65.76 −12%
AerCap Holdings AER $143.93 $208.22 +45%
U-Haul Holding UHAL $60.88 $7.57 −88%
Ryder System, Inc R $233.93 $151.59 −35%
Element Fleet Management Corp EFN C$23.85 C$21.30 −11%
GATX Corporation GATX $175.86 $129.05 −27%
BOC Aviation Limited 2588 HK$71.00 HK$146.00 +106%
EquipmentShare.com Inc EQPT $17.35 $3.89 −78%
Bohai Leasing Co 000415 ¥4.11 ¥8.22 +100%

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Fuyo General Lease Co · Fair Value
€22.72 −6%Fair Value
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Cite: Fair Value Calculator (2026). "Fuyo General Lease Co Fair Value". https://www.fairvalue-calculator.com/stock/FXL

Frequently asked questions

Is Fuyo General Lease Co (FXL) overvalued or undervalued?
As of Sep 30, 2026, our model estimates a fair value of €22.72 versus a price of €24.20, about −6% upside (fairly valued).
What is the fair value of FXL?
Our model-based fair value for Fuyo General Lease Co is €22.72 (as of Sep 30, 2026), built from audited fundamentals. The current price: €24.20.
What is the quality score of FXL?
Fuyo General Lease Co has a Quality Score of 41/100. 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 Fuyo General Lease Co (FXL)?
Our model-based price target is the fair value of €22.72 (as of Sep 30, 2026) from 12 valuation models. Cautious scenario €16.54, optimistic scenario €28.40. It is a calculation from audited fundamentals, not an analyst target.
What is the Fuyo General Lease Co stock forecast for 2026?
Our models put fair value at €22.72, about −6% upside versus a price of €24.20 (fairly valued). Cautious scenario €16.54, optimistic scenario €28.40. The calculation is refreshed regularly with new filings.
What is the revenue of Fuyo General Lease Co (FXL)?
Fuyo General Lease Co reported trailing-twelve-month revenue of about ¥817B (latest available figure, as of Sep 30, 2026).
Does Fuyo General Lease Co pay a dividend?
Fuyo General Lease Co currently shows a dividend yield of about 3.70% relative to its recent price (as of Sep 30, 2026).
What is the intrinsic value of Fuyo General Lease Co (FXL)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Fuyo General Lease Co it is €22.72 per share (as of Sep 30, 2026), against a price of €24.20. It is the blended result of 12 valuation models (cash flow, earnings, asset, dividend).
Is Fuyo General Lease Co stock overvalued or undervalued in 2026?
As of Sep 30, 2026, FXL trades above its calculated fair value: price €24.20, fair value €22.72, a gap of about −6% (fairly valued). 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 FXL?
No. The price is what the market pays today (€24.20); the fair value is what the company's own numbers justify (€22.72). For Fuyo General Lease Co the two are €1.48 per share apart. That gap is exactly why we show both numbers side by side.
How much is Fuyo General Lease Co worth?
The market values Fuyo General Lease Co at about €2.2B (market capitalisation, as of Sep 30, 2026). Per share that is €24.20; our models calculate a fair value of €22.72 per share.
What do the bullish and bearish scenarios say about FXL?
Our models span a range for Fuyo General Lease Co: cautious scenario €16.54, base €22.72, optimistic €28.40 per share (as of Sep 30, 2026, price €24.20). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of FXL?
Fuyo General Lease Co trades at a price-to-earnings ratio of 18.2 (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 €22.72 is built from several models across several years. Other multiples: P/B 0.8, P/S 0.5, EV/EBITDA 31.8.
How solid is the balance sheet of Fuyo General Lease Co (FXL)?
Balance-sheet figures for Fuyo General Lease Co (as of Sep 30, 2026): return on equity 4.7%, debt of 2.95 per unit of equity. They feed the Quality Score of 41/100, which measures business quality independently of the share price.
How far is FXL from its 52-week high?
Fuyo General Lease Co trades at €24.20, about 5% below its 52-week high of €25.40 and 13% above the low of €21.40 (as of Oct 1, 2026). Distance from the high says nothing about value: that is what the fair value of €22.72 is for.
Which stocks are comparable to Fuyo General Lease Co?
From the same area (Industrials) we also value United Rentals, Inc, Sunbelt Rentals Holdings, AerCap Holdings, U-Haul Holding, 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 Fuyo General Lease Co stock attractive at the current price?
The data as of Sep 30, 2026: price €24.20, calculated fair value €22.72 (−6%), Quality Score 41/100, from 12 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 FXL calculated?
We run Fuyo General Lease Co through 12 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 €22.72, 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. Fuyo General Lease Co 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 Fuyo General Lease Co (FXL)?
The closing price on Oct 1, 2026 was €24.20. Our model-based fair value is €22.72, about −6% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Fuyo General Lease Co right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. The price sits in the upper half of our model range, so the margin of safety is thin. The data supports the verdict: every model runs on fully documented inputs.

Key figures of Fuyo General Lease Co

How large is the market capitalisation of Fuyo General Lease Co (FXL)?
The market capitalisation of Fuyo General Lease Co 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 Fuyo General Lease Co (FXL)?
The price-to-sales ratio of Fuyo General Lease Co is 0.50 (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 Fuyo General Lease Co (FXL)?
Earnings per share at Fuyo General Lease Co are €1.33 (price ÷ EPS = P/E 18.2). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Fuyo General Lease Co (FXL)?
The dividend yield of Fuyo General Lease Co is 3.7% (payout 67.3%). 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 Fuyo General Lease Co (FXL)?
The net margin of Fuyo General Lease Co is 2.7% (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 Fuyo General Lease Co (FXL)?
The return on equity (ROE) of Fuyo General Lease Co is 4.7% (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 Fuyo General Lease Co (FXL)?
On an EBIT basis the return on assets of Fuyo General Lease Co is 1.6% (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 Fuyo General Lease Co (FXL)?
The operating margin of Fuyo General Lease Co is 9.8% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Fuyo General Lease Co (FXL)?
Revenue at Fuyo General Lease Co is growing +16.6% versus a year earlier (3y avg +4.6%). 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 Fuyo General Lease Co (FXL)?
Earnings per share at Fuyo General Lease Co are growing +5.5% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Fuyo General Lease Co (FXL) generate?
The free cash flow of Fuyo General Lease Co is −¥165B (fiscal year 2026). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Fuyo General Lease Co (FXL) carry?
The net debt of Fuyo General Lease Co is ¥2.9T (fiscal year 2026). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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