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Suruga Bank Ltd (SRGBF) Fair Value & Analysis

Financial Services · US · Market cap $2.6B

Price$15.00
Fair Value$25.31
Upside+68.7%
Quality97/100
Evidence: Medium Range $18.98 – $31.64

Fair value as of: Jun 25, 2026

Analysis

Suruga Bank Ltd (SRGBF) currently trades at $15.00, while our model-based Fair Value estimate is $25.31 — implying the stock looks roughly 68.7% undervalued today. We read business quality at 97/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: medium) — always confirm before acting.

About the company

Suruga Bank Ltd. provides various banking and financial products and services to individuals and corporate customers in Japan. The company offers deposit products, such as time, non-interest bearing, savings, foreign currency, and other deposits, as well as current and general accounts; property, card, housing, second house, startup, and business up term loans, as well as loans by purpose; credit and debit cards; overdrafts; and other financing products. It also provides investment trust, public bond, pension contribution, insurance, inheritance/trust, lottery, foreign currency, pay-easy, web direct, safe deposit box, external linkage, remittance service, fund management, e-combination, payment, nursing care/medical care/dispensing compensation receivable factoring, mortgage, and internet and telephone banking services. In addition, the company offers money lending, guarantee, printing, leasing, and agency services, as well as advisory and consulting services. Suruga Bank Ltd. compa…

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Frequently asked questions

Is Suruga Bank Ltd (SRGBF) undervalued?
As of Jun 25, 2026, our model estimates a fair value of $25.31 versus a price of $15.00 — about +69% (undervalued). Model-based estimate, not financial advice.
What is the fair value of SRGBF?
Our 21-model fair value for Suruga Bank Ltd is $25.31 (as of Jun 25, 2026), built from audited fundamentals. The current price is $15.00.
What is the quality score of SRGBF?
Suruga Bank Ltd has a Quality Score of 97/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.