Resona Holdings Inc (RSHGY) fair value: what the stock is really worth
As of Oct 29, 2026: fair value (intrinsic value) of Resona Holdings Inc stock $16.03, price $28.88, upside -44.5%, quality 59 out of 100. Rating: strongly overvalued. 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. As of Oct 27, 2026.
How to read this chart
21‑month range $12.59 – $33.15 · fair‑value band $14.52 – $20.54 · the $28.88 price screens above the $16.03 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Oct 27, 2026.
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Resona Holdings, Inc., through its subsidiaries, engages in the provision retail and commercial banking products and services in Japan and internationally. The company operates Individual, Corporate, and market segment.
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It provides consulting services, that includes personal loan, asset management, and asset succession services to individuals; and corporate lending, asset management using trusts, real estate operations, corporate pensions, and business succession services to corporates.
The company is also involved in financial market services, that includes short term lending, borrowing, purchase and sale of bonds, and derivatives trading. Resona Holdings, Inc. was founded in 1918 and is headquartered in Tokyo, Japan.
Stock analysis
Resona Holdings Inc (RSHGY) currently trades at $28.88, while our model-based Fair Value estimate is $16.03, 44.5% 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 $19.17 per share, and 0 of the 6 models we run sit above the $28.88 price.
Bear case: the Dividend Discount group reads lowest at $6.69, and 6 of the 6 models stay below the price. Data coverage for this calculation is medium.
Scenario range: $14.52 (bear) to $20.54 (bull), the price of $28.88 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 59/100 (solid quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Resona Holdings Inc reported revenue of ¥1.0T in FY2026 versus ¥751B in FY2022, a compound +8.1%/yr. Reported net income was ¥259B in FY2026, compounding +23.8%/yr from FY2022.
Key figures
Market cap $30.4B Large · P/E ratio 19.1 · P/S ratio 4.82 · EPS (TTM) $1.51 · Dividend yield 1.3% · Net margin 25.2% · Return on equity 9.2% · Return on assets 0.4%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 60 out of 100 (low confidence).
What moves the price
The share trades about 13% below its 52-week high and 54% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −31% fair-value upside, at −44%, RSHGY screens richer than that median.
Fair Value models
Bear$14.52Fair Value $16.03Bull$20.54
Price $28.88 · Upside -44.5%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2026 figures (about 7 months old). Earnings retained since then ($0.6679 per share) are deliberately not added.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.Coverage ⓘCoverage = 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.56/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+16.7%
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.
+11.1%
’22
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’26
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.
+25.9%
Earnings growth per share plus dividend.
Earnings per share, growth per year+24.6%
Dividend (yield on the price)1.3%
2026 sits 68% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
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 · 1063 stocks
Beats the industry median on 4/12 measures
Overall it trails its industry peers.
Valuation
Quality Score59 · Above median
Fair Value upside−44.5% · Bottom 25%
Profitability
Return on equity (12 months)9.2% · Below median
Return on assets0.3% · Bottom 25%
Net margin (12 months)23.1% · Below median
Operating margin (12 months)40.4% · Above median
Growth and dividend
Revenue growth (quarter YoY)15.8% · Above median
Dividend yield (12 months)1.3% · Bottom 25%
Valuation Multiplesvs Banks - Regional median · lower = cheaper
P/E (12 months)19.1× · Priciest 25%
P/B1.65× · Priciest 25%
P/S (12 months)4.12× · Pricier than median
PEG1.37× · Cheaper than median
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 11
FUTURE (revenue growth)79· sector 48
PAST (return on equity)37· sector 42
HEALTH (low debt)0· sector 84
DIVIDEND (yield)26· sector 51
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.
Is Resona Holdings Inc (RSHGY) overvalued or undervalued?
As of Oct 27, 2026, our model estimates a fair value of $16.03 versus a price of $28.88, about −44% upside (overvalued).
What is the fair value of RSHGY?
Our model-based fair value for Resona Holdings Inc is $16.03 (as of Oct 27, 2026), built from audited fundamentals. The current price: $28.88.
What is the quality score of RSHGY?
Resona Holdings Inc has a Quality Score of 59/100. 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 Resona Holdings Inc (RSHGY)?
Our model-based price target is the fair value of $16.03 (as of Oct 27, 2026) from 6 valuation models. Cautious scenario $14.52, optimistic scenario $20.54. It is a calculation from audited fundamentals, not an analyst target.
What is the Resona Holdings Inc stock forecast for 2026?
Our models put fair value at $16.03, about −44% upside versus a price of $28.88 (overvalued). Cautious scenario $14.52, optimistic scenario $20.54. The calculation is refreshed regularly with new filings.
What is the revenue of Resona Holdings Inc (RSHGY)?
Resona Holdings Inc reported trailing-twelve-month revenue of about ¥1.2T (latest available figure, as of Oct 27, 2026).
Does Resona Holdings Inc pay a dividend?
Resona Holdings Inc currently shows a dividend yield of 1.27% relative to its recent price (as of Oct 27, 2026).
What is the intrinsic value of Resona Holdings Inc (RSHGY)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Resona Holdings Inc it is $16.03 per share (as of Oct 27, 2026), against a price of $28.88. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Resona Holdings Inc stock overvalued or undervalued in 2026?
As of Oct 27, 2026, RSHGY trades above its calculated fair value: price $28.88, fair value $16.03, a gap of about −44% (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 RSHGY?
No. The price is what the market pays today ($28.88); the fair value is what the company's own numbers justify ($16.03). For Resona Holdings Inc the two are $12.85 per share apart. That gap is exactly why we show both numbers side by side.
How much is Resona Holdings Inc worth?
The market values Resona Holdings Inc at about $30.4B (market capitalisation, as of Oct 27, 2026). Per share that is $28.88; our models calculate a fair value of $16.03 per share.
What do the bullish and bearish scenarios say about RSHGY?
Our models span a range for Resona Holdings Inc: cautious scenario $14.52, base $16.03, optimistic $20.54 per share (as of Oct 27, 2026, price $28.88). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of RSHGY?
Resona Holdings Inc trades at a price-to-earnings ratio of 19.1 (as of Oct 27, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $16.03 is built from several models across several years. Other multiples: PEG 1.4, P/B 1.7, P/S 4.1.
What is the PEG ratio of RSHGY?
The PEG ratio of Resona Holdings Inc is 1.37 (P/E divided by earnings growth, as of Oct 27, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of Resona Holdings Inc (RSHGY)?
Balance-sheet figures for Resona Holdings Inc (as of Oct 27, 2026): return on equity 9.2%. They feed the Quality Score of 59/100, which measures business quality independently of the share price.
How far is RSHGY from its 52-week high?
Resona Holdings Inc trades at $28.88, about 13% below its 52-week high of $33.15 and 54% above the low of $18.77 (as of Oct 29, 2026). Distance from the high says nothing about value: that is what the fair value of $16.03 is for.
Which stocks are comparable to Resona Holdings Inc?
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 Resona Holdings Inc stock attractive at the current price?
The data as of Oct 27, 2026: price $28.88, calculated fair value $16.03 (−44%), Quality Score 59/100, 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 RSHGY calculated?
We run Resona Holdings Inc 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 $16.03, 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 13.1 % above its aggregate fair value. Resona Holdings Inc 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 Resona Holdings Inc (RSHGY)?
The closing price on Oct 29, 2026 was $28.88. Our model-based fair value is $16.03, about −44% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Resona Holdings Inc right now?
The price sits above even our optimistic bull case ($20.54). The favourable scenario is already priced in. Solid but not exceptional quality (59/100) 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 Resona Holdings Inc
How large is the market capitalisation of Resona Holdings Inc (RSHGY)?
The market capitalisation of Resona Holdings Inc is $30.4B. 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 Resona Holdings Inc (RSHGY)?
The price-to-sales ratio of Resona Holdings Inc is 4.82 (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 Resona Holdings Inc (RSHGY)?
Earnings per share at Resona Holdings Inc are $1.51 (price ÷ EPS = P/E 19.1). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Resona Holdings Inc (RSHGY)?
The dividend yield of Resona Holdings Inc is 1.3% (payout 24.2%). 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 Resona Holdings Inc (RSHGY)?
The net margin of Resona Holdings Inc is 25.2% (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 Resona Holdings Inc (RSHGY)?
The return on equity (ROE) of Resona Holdings Inc is 9.2% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the return on assets of Resona Holdings Inc (RSHGY)?
The return on assets (ROA) of Resona Holdings Inc 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 Resona Holdings Inc (RSHGY)?
The operating margin of Resona Holdings Inc is 40.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Resona Holdings Inc (RSHGY)?
Revenue at Resona Holdings Inc is growing +15.8% versus a year earlier (3y avg +11.1%). 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 Resona Holdings Inc (RSHGY)?
Earnings per share at Resona Holdings Inc are growing +16.3% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Resona Holdings Inc (RSHGY) generate?
The free cash flow of Resona Holdings Inc is −¥4.8T (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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Oct 27, 2026