Resona Holdings (RSNHF) fair value: what the stock is really worth
As of Oct 5, 2026: fair value of Resona Holdings $8.05, price $16.20, upside -50.3%, quality 72 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 28, 2026.
How to read this chart
60‑month range $2.29 – $16.83 · fair‑value band $7.33 – $9.81 · the $16.20 price screens above the $8.05 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 28, 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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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. 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 (RSNHF) currently trades at $16.20, while our model-based Fair Value estimate is $8.05, 50.3% 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 $9.54 per share, and 0 of the 6 models we run sit above the $16.20 price.
Bear case: the Dividend Discount group reads lowest at $2.38, and 6 of the 6 models stay below the price. Evidence for this calculation is medium.
Scenario range: $7.33 (bear) to $9.81 (bull), the price of $16.20 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 72/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Resona Holdings reported revenue of ¥1.2T in FY2026 versus ¥804B in FY2022, a compound +11.5%/yr. Reported net income was ¥259B in FY2026, compounding +23.8%/yr from FY2022.
Key figures
Market cap $33.6B · P/E ratio 22.5 · P/S ratio 4.68 · EPS (TTM) $0.7200 · Dividend yield 1.8% · Net margin 20.8% · Return on equity 9.2% · Return on assets (EBIT) 0.3%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 41 out of 100 (low confidence).
What moves the price
The share trades about 4% below its 52-week high and 78% 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 −50%, RSNHF screens richer than that median.
Fair Value models
Bear $7.33Fair Value $8.05Bull $9.81
Price $16.20 · Upside -50.3%
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. Based on fiscal year 2026 figures (about 6 months old). Earnings retained since then ($0.2246 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.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.86/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+17.9%
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.
+14.0%
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.
+10.1%
Start year 2021 (pandemic). Over 10 years: +4.7% a year
Revenue growth 24 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.
−0.2%
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Profit margin (trend) ⓘ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.
News mood ⓘNews mood, the average tone of recent news (20 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.Very negative
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 · 1059 stocks
Beats the industry median on 4/14 measures
Overall it trails its industry peers.
Valuation
Quality Score72 · Top 25%
Fair Value upside−50.3% · Bottom 25%
Profitability
Return on equity (TTM)9.2% · Below median
Return on assets0.4% · Bottom 25%
Net margin (TTM)23.1% · Below median
Operating margin (TTM)40.4% · Above median
Growth and dividend
Revenue growth15.8% · Above median
Dividend yield (TTM)1.8% · Below median
Balance sheet
Debt / equity1.00× · Highest 25%
Valuation Multiplesvs Banks - Regional median · lower = cheaper
P/E (TTM)22.5× · Priciest 25%
P/B1.83× · Priciest 25%
P/S (TTM)4.55× · Priciest 25%
P/FCF13.5× · Pricier than median
PEG1.32× · Cheaper than median
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 12
FUTURE (revenue growth)79· sector 50
PAST (return on equity)37· sector 41
HEALTH (low debt)50· sector 84
DIVIDEND (yield)35· sector 52
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). "Resona Holdings Fair Value". https://www.fairvalue-calculator.com/stock/RSNHF
Frequently asked questions
Is Resona Holdings (RSNHF) overvalued or undervalued?
As of Sep 28, 2026, our model estimates a fair value of $8.05 versus a price of $16.20, about −50% upside (overvalued).
What is the fair value of RSNHF?
Our model-based fair value for Resona Holdings is $8.05 (as of Sep 28, 2026), built from audited fundamentals. The current price: $16.20.
What is the quality score of RSNHF?
Resona Holdings has a Quality Score of 72/100. 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 (RSNHF)?
Our model-based price target is the fair value of $8.05 (as of Sep 28, 2026) from 6 valuation models. Cautious scenario $7.33, optimistic scenario $9.81. It is a calculation from audited fundamentals, not an analyst target.
What is the Resona Holdings stock forecast for 2026?
Our models put fair value at $8.05, about −50% upside versus a price of $16.20 (overvalued). Cautious scenario $7.33, optimistic scenario $9.81. The calculation is refreshed regularly with new filings.
What is the revenue of Resona Holdings (RSNHF)?
Resona Holdings reported trailing-twelve-month revenue of about ¥1.2T (latest available figure, as of Sep 28, 2026).
Does Resona Holdings pay a dividend?
Resona Holdings currently shows a dividend yield of about 1.77% relative to its recent price (as of Sep 28, 2026).
What is the intrinsic value of Resona Holdings (RSNHF)?
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 it is $8.05 per share (as of Sep 28, 2026), against a price of $16.20. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Resona Holdings stock overvalued or undervalued in 2026?
As of Sep 28, 2026, RSNHF trades above its calculated fair value: price $16.20, fair value $8.05, a gap of about −50% (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 RSNHF?
No. The price is what the market pays today ($16.20); the fair value is what the company's own numbers justify ($8.05). For Resona Holdings the two are $8.15 per share apart. That gap is exactly why we show both numbers side by side.
How much is Resona Holdings worth?
The market values Resona Holdings at about $33.6B (market capitalisation, as of Sep 28, 2026). Per share that is $16.20; our models calculate a fair value of $8.05 per share.
What do the bullish and bearish scenarios say about RSNHF?
Our models span a range for Resona Holdings: cautious scenario $7.33, base $8.05, optimistic $9.81 per share (as of Sep 28, 2026, price $16.20). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of RSNHF?
Resona Holdings trades at a price-to-earnings ratio of 22.5 (as of Sep 28, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $8.05 is built from several models across several years. Other multiples: PEG 1.3, P/B 1.8, P/S 4.6.
What is the PEG ratio of RSNHF?
The PEG ratio of Resona Holdings is 1.32 (P/E divided by earnings growth, as of Sep 28, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of Resona Holdings (RSNHF)?
Balance-sheet figures for Resona Holdings (as of Sep 28, 2026): return on equity 9.2%, debt of 1.00 per unit of equity. They feed the Quality Score of 72/100, which measures business quality independently of the share price.
How far is RSNHF from its 52-week high?
Resona Holdings trades at $16.20, about 4% below its 52-week high of $16.83 and 78% above the low of $9.10 (as of Oct 5, 2026). Distance from the high says nothing about value: that is what the fair value of $8.05 is for.
Which stocks are comparable to Resona Holdings?
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 stock attractive at the current price?
The data as of Sep 28, 2026: price $16.20, calculated fair value $8.05 (−50%), Quality Score 72/100, 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 RSNHF calculated?
We run Resona Holdings 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 $8.05, 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 15.0 % above its aggregate fair value. Resona Holdings 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 (RSNHF)?
The closing price on Oct 5, 2026 was $16.20. Our model-based fair value is $8.05, about −50% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Resona Holdings right now?
A high-quality business (quality 72/100), yet the market already pays well above fair value. Quality at a full price, with little margin of safety. The price sits above even our optimistic bull case ($9.81). The favourable scenario is already priced in. 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 Resona Holdings (RSNHF) come from?
Earnings per share at Resona Holdings grew +6.0 % a year from 2015 to 2026. Broken into its drivers: revenue per share +8.8 %, EBIT margin −2.7 %, tax rate +0.1 %, residual (interest, one-offs) +0.1 %. 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 Resona Holdings
How large is the market capitalisation of Resona Holdings (RSNHF)?
The market capitalisation of Resona Holdings is $33.6B. 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 Resona Holdings (RSNHF)?
The price-to-sales ratio of Resona Holdings is 4.68 (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 (RSNHF)?
Earnings per share at Resona Holdings are $0.7200 (price ÷ EPS = P/E 22.5). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Resona Holdings (RSNHF)?
The dividend yield of Resona Holdings is 1.8% (payout 39.8%). 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 Resona Holdings (RSNHF)?
The net margin of Resona Holdings is 20.8% (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 (RSNHF)?
The return on equity (ROE) of Resona Holdings is 9.2% (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 Resona Holdings (RSNHF)?
On an EBIT basis the return on assets of Resona Holdings is 0.3% (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 Resona Holdings (RSNHF)?
The operating margin of Resona Holdings 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 (RSNHF)?
Revenue at Resona Holdings is growing +15.8% versus a year earlier (3y avg +14.0%). 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 (RSNHF)?
Earnings per share at Resona Holdings 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 (RSNHF) generate?
The free cash flow of Resona Holdings is ¥394B (fiscal year 2026). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does Resona Holdings (RSNHF) hold?
Resona Holdings holds more cash than debt, ¥6.6T net (fiscal year 2026). The company holds more cash than debt, a safety cushion.
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Sep 28, 2026