Marui Group Co Ltd (MAURY) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of Marui Group Co Ltd $19.40, price $36.53, upside -46.9%, quality 49 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 24, 2026.
How to read this chart
60‑month range $21.36 – $43.13 · fair‑value band $16.45 – $33.90 · the $36.53 price screens above the $19.40 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.
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Marui Group Co., Ltd., an investment holding company, engages in the retailing and fintech businesses in Japan.
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Marui Group Co., Ltd., an investment holding company, engages in the retailing and fintech businesses in Japan. The company engages in the rental and management of commercial facilities; purchase and sales of clothing and decorative goods, spatial design, advertising, and promotion; investment trust sales, software development, and computer operations, as well as fashion logistics and building management, short-term insurance, trucking, cargo handling, and advertising businesses. It is also involved in the provision of credit card and loan services, card cash advances, rent guarantees, information system services, debt management and collection services, credit investigation services, building maintenance, and security services. In addition, it operates stores under the Marui and Modi names. The company was founded in 1931 and is headquartered in Tokyo, Japan.
Stock analysis
Marui Group Co Ltd ADR (MAURY) currently trades at $36.53, while our model-based Fair Value estimate is $19.40, implying the stock looks roughly 88.3% overvalued today.
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Valuation
How firm this estimate is: it rests on 15 models at a data quality of 96/100, which puts the evidence level at high.
Scenario range: $16.45 (bear) to $33.90 (bull), the price of $36.53 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 49/100 (below-average quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Marui Group Co Ltd ADR reported revenue of ¥294B in FY2026 versus ¥209B in FY2022, a compound +8.8%/yr. Reported net income was ¥30.2B in FY2026, compounding +14.1%/yr from FY2022.
Key figures
Market cap $3.3B · P/E ratio 18.5 · P/S ratio 1.91 · EPS (TTM) $1.97 · Dividend yield 4.8% · Net margin 10.3% · Return on equity 11.7% · Return on assets (EBIT) 4.2%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 43 out of 100 (low confidence).
What moves the price
The share trades about 13% below its 52-week high and 15% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −32% fair-value upside, at −47%, MAURY screens richer than that median.
Fair Value models
Bear $16.45Fair Value $19.40Bull $33.90
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.47/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+15.4%
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.
+10.5%
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.
+7.3%
Start year 2021 (pandemic). Over 10 years: +1.8% a year
Revenue growth 21 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.
−3.0%
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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.
+19.2%
Earnings growth per share plus dividend.
Earnings per share, growth per year+14.4%
Dividend (yield on the price)4.8%
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.14% vs 9%, picking up
Profit margin 2021 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% → 18%
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.Credit Services · 330 stocks
Beats the industry median on 5/13 measures
Overall it trails its industry peers.
Valuation
Quality Score50 · Below median
Fair Value upside−47% · Bottom 25%
Profitability
Return on equity (TTM)12% · Above median
Return on assets3% · Above median
Net margin (TTM)10% · Below median
Operating margin (TTM)17% · Below median
Growth and dividend
Revenue growth9% · Above median
Dividend yield (TTM)4.8% · Above median
Balance sheet
Debt / equity2.10× · Above median
Valuation Multiplesvs Credit Services median · lower = cheaper
P/E (TTM)18.5× · Pricier than median
P/B2.13× · Priciest 25%
P/S (TTM)1.88× · Cheaper than median
EV/EBITDA14.5× · Pricier than median
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 48
FUTURE (revenue growth)44· sector 39
PAST (return on equity)47· sector 32
HEALTH (low debt)0· sector 59
DIVIDEND (yield)95· sector 66
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). "Marui Group Co Ltd ADR Fair Value". https://www.fairvalue-calculator.com/stock/MAURY
Frequently asked questions
Is Marui Group Co Ltd (MAURY) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of $19.40 versus a price of $36.53, about −47% upside (overvalued).
What is the fair value of MAURY?
Our model-based fair value for Marui Group Co Ltd ADR is $19.40 (as of Sep 24, 2026), built from audited fundamentals. The current price: $36.53.
What is the quality score of MAURY?
Marui Group Co Ltd ADR has a Quality Score of 49/100. 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 Marui Group Co Ltd (MAURY)?
Our model-based price target is the fair value of $19.40 (as of Sep 24, 2026) from 6 valuation models. Cautious scenario $16.45, optimistic scenario $33.90. It is a calculation from audited fundamentals, not an analyst target.
What is the Marui Group Co Ltd ADR stock forecast for 2026?
Our models put fair value at $19.40, about −47% upside versus a price of $36.53 (overvalued). Cautious scenario $16.45, optimistic scenario $33.90. The calculation is refreshed regularly with new filings.
What is the revenue of Marui Group Co Ltd (MAURY)?
Marui Group Co Ltd ADR reported trailing-twelve-month revenue of about ¥277B (latest available figure, as of Sep 24, 2026).
Does Marui Group Co Ltd ADR pay a dividend?
Marui Group Co Ltd ADR currently shows a dividend yield of about 4.76% relative to its recent price (as of Sep 24, 2026).
What is the intrinsic value of Marui Group Co Ltd (MAURY)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Marui Group Co Ltd ADR it is $19.40 per share (as of Sep 24, 2026), against a price of $36.53. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Marui Group Co Ltd ADR stock overvalued or undervalued in 2026?
As of Sep 24, 2026, MAURY trades above its calculated fair value: price $36.53, fair value $19.40, a gap of about −47% (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 MAURY?
No. The price is what the market pays today ($36.53); the fair value is what the company's own numbers justify ($19.40). For Marui Group Co Ltd ADR the two are $17.13 per share apart. That gap is exactly why we show both numbers side by side.
How much is Marui Group Co Ltd ADR worth?
The market values Marui Group Co Ltd ADR at about $3.3B (market capitalisation, as of Sep 24, 2026). Per share that is $36.53; our models calculate a fair value of $19.40 per share.
What do the bullish and bearish scenarios say about MAURY?
Our models span a range for Marui Group Co Ltd ADR: cautious scenario $16.45, base $19.40, optimistic $33.90 per share (as of Sep 24, 2026, price $36.53). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of MAURY?
Marui Group Co Ltd ADR trades at a price-to-earnings ratio of 18.5 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $19.40 is built from several models across several years. Other multiples: P/B 2.1, P/S 1.9, EV/EBITDA 14.5.
How solid is the balance sheet of Marui Group Co Ltd (MAURY)?
Balance-sheet figures for Marui Group Co Ltd ADR (as of Sep 24, 2026): return on equity 11.7%, debt of 2.10 per unit of equity. They feed the Quality Score of 49/100, which measures business quality independently of the share price.
How far is MAURY from its 52-week high?
Marui Group Co Ltd ADR trades at $36.53, about 13% below its 52-week high of $41.82 and 15% above the low of $31.70 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of $19.40 is for.
Which stocks are comparable to Marui Group Co Ltd ADR?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, 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 Marui Group Co Ltd ADR stock attractive at the current price?
The data as of Sep 24, 2026: price $36.53, calculated fair value $19.40 (−47%), Quality Score 49/100, 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 MAURY calculated?
We run Marui Group Co Ltd ADR 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 $19.40, 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. Marui Group Co Ltd ADR 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 Marui Group Co Ltd (MAURY)?
The closing price on Sep 23, 2026 was $36.53. Our model-based fair value is $19.40, about −47% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Marui Group Co Ltd ADR right now?
The price sits above even our optimistic bull case ($33.90). The favourable scenario is already priced in. Solid but not exceptional quality (49/100) and above fair value, neither a clear bargain nor a standout compounder. A fairly wide model range ($16.45 to $33.90) leaves room in how you read the outcome. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Marui Group Co Ltd (MAURY) come from?
Earnings per share at Marui Group Co Ltd ADR grew +8.7 % a year from 2015 to 2026. Broken into its drivers: revenue per share +4.3 %, EBIT margin +4.3 %, tax rate +0.2 %, residual (interest, one-offs) −0.2 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Marui Group Co Ltd ADR
How large is the market capitalisation of Marui Group Co Ltd (MAURY)?
The market capitalisation of Marui Group Co Ltd ADR is $3.3B. 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 Marui Group Co Ltd (MAURY)?
The price-to-sales ratio of Marui Group Co Ltd ADR is 1.91 (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 Marui Group Co Ltd (MAURY)?
Earnings per share at Marui Group Co Ltd ADR are $1.97 (price ÷ EPS = P/E 18.5). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Marui Group Co Ltd (MAURY)?
The dividend yield of Marui Group Co Ltd ADR is 4.8% (payout 88.3%). 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 Marui Group Co Ltd (MAURY)?
The net margin of Marui Group Co Ltd ADR is 10.3% (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 Marui Group Co Ltd (MAURY)?
The return on equity (ROE) of Marui Group Co Ltd ADR is 11.7% (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 Marui Group Co Ltd (MAURY)?
On an EBIT basis the return on assets of Marui Group Co Ltd ADR is 4.2% (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 Marui Group Co Ltd (MAURY)?
The operating margin of Marui Group Co Ltd ADR is 16.8% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Marui Group Co Ltd (MAURY)?
Revenue at Marui Group Co Ltd ADR is growing +8.7% versus a year earlier (3y avg +10.5%). 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 Marui Group Co Ltd (MAURY)?
Earnings per share at Marui Group Co Ltd ADR are growing +0.1% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Marui Group Co Ltd (MAURY) generate?
The free cash flow of Marui Group Co Ltd ADR is −¥69.9B (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 Marui Group Co Ltd (MAURY) carry?
The net debt of Marui Group Co Ltd ADR is ¥666B (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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Broad data
Sep 24, 2026