Shizuoka Financial Group (P2U) fair value: what the stock is really worth
As of Oct 1, 2026: fair value of Shizuoka Financial Group €11.62, price €19.90, upside -41.6%, quality 56 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
In Frankfurt, only 2 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.
SFSome dataSep 29, 2026
Shizuoka Financial Group
P2U · F
Stretched ValuationStrong overvaluation with only moderate quality.
!Fair value €11.62 · Strongly overvalued (−41.6%)
!Quality 56/100
!Expensive Growth(revenue 3y +14.4 %/yr)
✓Highly profitable · 26.1% net margin (TTM)
!negative free cash flow
!2.9% dividend yield · Watch coverage
!Trails peers(3/11)
!Moderate moat52/100
!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 29, 2026.
How to read this chart
60‑month range €4.81 – €20.40 · fair‑value band €10.87 – €14.30 · the €19.90 price screens above the €11.62 fair value. Dashed = 300-day average. As of Sep 29, 2026.
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Shizuoka Financial Group,Inc., together with its subsidiaries, provides various banking products and services. It operates through Banking Operations and Leasing Operations segments. The company engages in the banking business centered on deposits, loans, investment securities, and exchange transactions.
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Shizuoka Financial Group,Inc., together with its subsidiaries, provides various banking products and services. It operates through Banking Operations and Leasing Operations segments. The company engages in the banking business centered on deposits, loans, investment securities, and exchange transactions. It is also involved in the lease transactions centered on finance leases. In addition, the company provides management consulting and payment collection; human resources and general affairs related tasks, valuation and investigation services for real estate secured by manufacturing contracts, etc; processing of money orders, collections; computer-related services, computational outsourcing services; credit card services, credit guarantee services; document creation, printing, and binding services. Further, the company engages in the marketing support services, advertising agency duties, textile and drug introduction fees; and consulting firm specializing in providing financial support and assistance to real estate investment funds. The company was formerly known as The Shizuoka Bank, Ltd. Shizuoka Financial Group,Inc. was founded in 1943 and is headquartered in Shizuoka, Japan.
Stock analysis
Shizuoka Financial Group (P2U) currently trades at €19.90, while our model-based Fair Value estimate is €11.62, 41.6% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of €12.67 per share, and 0 of the 6 models we run sit above the €19.90 price.
Bear case: the Dividend Discount group reads lowest at €6.95, and 6 of the 6 models stay below the price. Evidence for this calculation is medium.
Scenario range: €10.87 (bear) to €14.30 (bull), the price of €19.90 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 56/100 (solid quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Shizuoka Financial Group reported revenue of ¥312B in FY2026 versus ¥208B in FY2023, a compound +14.4%/yr. Reported net income was ¥90.5B in FY2026, compounding +20.0%/yr from FY2023.
Key figures
Market cap €10.6B · P/E ratio 21.4 · P/S ratio 6.21 · EPS (TTM) €0.9300 · Dividend yield 2.9% · Net margin 29.0% · Return on equity 8.2% · Return on assets 0.6%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 32 out of 100 (medium confidence).
What moves the price
The share trades about 2% below its 52-week high and 91% 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 −42%, P2U screens richer than that median.
Fair Value models
Bear €10.87Fair Value €11.62Bull €14.30
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
+40.9%
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.
+14.4%
’23
’24
’25
’26
What shareholders gained per year (last 3 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 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. 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.
+25.9%
Earnings growth per share plus dividend.
Earnings per share, growth per year+23.0%
Dividend (yield on the price)2.9%
2026 sits 62% above its own trend. The rate follows the median trend of the last 3 years, not that single year.
Compare Shizuoka 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 · 1052 stocks
Beats the industry median on 3/11 measures
Overall it trails its industry peers.
Valuation
Quality Score52 · Below median
Fair Value upside−43.0% · Bottom 25%
Profitability
Return on equity (TTM)8.2% · Below median
Return on assets0.6% · Below median
Net margin (TTM)26.1% · Below median
Operating margin (TTM)41.6% · Above median
Growth and dividend
Revenue growth57.9% · Top 25%
Dividend yield (TTM)2.9% · Above median
Valuation Multiplesvs Banks - Regional median · lower = cheaper
P/E (TTM)21.4× · Priciest 25%
P/B1.56× · Priciest 25%
P/S (TTM)4.98× · Priciest 25%
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)33· sector 41
HEALTH (low debt)0· sector 84
DIVIDEND (yield)58· 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). "Shizuoka Financial Group Fair Value". https://www.fairvalue-calculator.com/stock/P2U
Frequently asked questions
Is Shizuoka Financial Group (P2U) overvalued or undervalued?
As of Sep 29, 2026, our model estimates a fair value of €11.62 versus a price of €19.90, about −42% upside (overvalued).
What is the fair value of P2U?
Our model-based fair value for Shizuoka Financial Group is €11.62 (as of Sep 29, 2026), built from audited fundamentals. The current price: €19.90.
What is the quality score of P2U?
Shizuoka Financial Group has a Quality Score of 56/100. 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 Shizuoka Financial Group (P2U)?
Our model-based price target is the fair value of €11.62 (as of Sep 29, 2026) from 6 valuation models. Cautious scenario €10.87, optimistic scenario €14.30. It is a calculation from audited fundamentals, not an analyst target.
What is the Shizuoka Financial Group stock forecast for 2026?
Our models put fair value at €11.62, about −42% upside versus a price of €19.90 (overvalued). Cautious scenario €10.87, optimistic scenario €14.30. The calculation is refreshed regularly with new filings.
What is the revenue of Shizuoka Financial Group (P2U)?
Shizuoka Financial Group reported trailing-twelve-month revenue of about ¥386B (latest available figure, as of Sep 29, 2026).
Does Shizuoka Financial Group pay a dividend?
Shizuoka Financial Group currently shows a dividend yield of about 2.89% relative to its recent price (as of Sep 29, 2026).
What is the intrinsic value of Shizuoka Financial Group (P2U)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Shizuoka Financial Group it is €11.62 per share (as of Sep 29, 2026), against a price of €19.90. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Shizuoka Financial Group stock overvalued or undervalued in 2026?
As of Sep 29, 2026, P2U trades above its calculated fair value: price €19.90, fair value €11.62, a gap of about −42% (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 P2U?
No. The price is what the market pays today (€19.90); the fair value is what the company's own numbers justify (€11.62). For Shizuoka Financial Group the two are €8.28 per share apart. That gap is exactly why we show both numbers side by side.
How much is Shizuoka Financial Group worth?
The market values Shizuoka Financial Group at about €10.6B (market capitalisation, as of Sep 29, 2026). Per share that is €19.90; our models calculate a fair value of €11.62 per share.
What do the bullish and bearish scenarios say about P2U?
Our models span a range for Shizuoka Financial Group: cautious scenario €10.87, base €11.62, optimistic €14.30 per share (as of Sep 29, 2026, price €19.90). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of P2U?
Shizuoka Financial Group trades at a price-to-earnings ratio of 21.4 (as of Sep 29, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of €11.62 is built from several models across several years. Other multiples: P/B 1.6, P/S 5.0.
How solid is the balance sheet of Shizuoka Financial Group (P2U)?
Balance-sheet figures for Shizuoka Financial Group (as of Sep 29, 2026): return on equity 8.2%. They feed the Quality Score of 56/100, which measures business quality independently of the share price.
How far is P2U from its 52-week high?
Shizuoka Financial Group trades at €19.90, about 2% below its 52-week high of €20.40 and 91% above the low of €10.44 (as of Oct 1, 2026). Distance from the high says nothing about value: that is what the fair value of €11.62 is for.
Which stocks are comparable to Shizuoka Financial Group?
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 Shizuoka Financial Group stock attractive at the current price?
The data as of Sep 29, 2026: price €19.90, calculated fair value €11.62 (−42%), Quality Score 56/100, 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 P2U calculated?
We run Shizuoka 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 €11.62, 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. Shizuoka 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 Shizuoka Financial Group (P2U)?
The closing price on Oct 1, 2026 was €19.90. Our model-based fair value is €11.62, about −42% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Shizuoka Financial Group right now?
The price sits above even our optimistic bull case (€14.30). The favourable scenario is already priced in. Solid but not exceptional quality (56/100) 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 Shizuoka Financial Group
How large is the market capitalisation of Shizuoka Financial Group (P2U)?
The market capitalisation of Shizuoka Financial Group is €10.6B. 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 Shizuoka Financial Group (P2U)?
The price-to-sales ratio of Shizuoka Financial Group is 6.21 (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 Shizuoka Financial Group (P2U)?
Earnings per share at Shizuoka Financial Group are €0.9300 (price ÷ EPS = P/E 21.4). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Shizuoka Financial Group (P2U)?
The dividend yield of Shizuoka Financial Group is 2.9% (payout 61.8%). 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 Shizuoka Financial Group (P2U)?
The net margin of Shizuoka Financial Group is 29.0% (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 Shizuoka Financial Group (P2U)?
The return on equity (ROE) of Shizuoka Financial Group is 8.2% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the return on assets of Shizuoka Financial Group (P2U)?
The return on assets (ROA) of Shizuoka Financial Group is 0.6% (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 Shizuoka Financial Group (P2U)?
The operating margin of Shizuoka Financial Group is 41.6% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Shizuoka Financial Group (P2U)?
Revenue at Shizuoka Financial Group is growing +57.9% versus a year earlier (3y avg +14.4%). 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 Shizuoka Financial Group (P2U)?
Earnings per share at Shizuoka Financial Group are growing +48.1% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Shizuoka Financial Group (P2U) generate?
The free cash flow of Shizuoka Financial Group is −¥293B (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 Shizuoka Financial Group (P2U) carry?
The net debt of Shizuoka Financial Group is ¥637B (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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