Suruga Bank Ltd (SUGBY) Fair Value & Analysis
Financial Services · US · Market cap $1.4B
Suruga Bank Ltd
SUGBY · US
Fair value as of: Jun 26, 2026
From 24 valuation models · updated 28 days ago
Price vs Fair Value (12 months)
12‑month range $78.62 – $80.02 · fair‑value band $120.03 – $200.05 · the $80.02 price screens below the $160.04 fair value. As of Jun 26, 2026.
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Suruga Bank Ltd (SUGBY) currently trades at $80.02, while our model-based Fair Value estimate is $160.04, implying the stock looks roughly 100.0% undervalued today. We read business quality at 68/100 (solid 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: high), always confirm before acting.
Over the trailing twelve months, Suruga Bank Ltd generated revenue of $86.8B at a net margin of 40.0%. Revenue declined 1.7% year over year. It earns a return on equity of 11.2%. The balance sheet holds a net cash position of $436B. Fundamentals as of Jun 26, 2026
Our scenario range runs from $120.03 (bear case) to $200.05 (bull case); at $80.02, the current price sits below that range. The share trades near its 52-week high and 2% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 39% fair-value upside, at 100%, SUGBY screens cheaper than that median.
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jun 26, 2026. TTM = trailing twelve months.
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. …
Revenue & earnings trend
FY2022 – FY2026 · reported fiscal years
Suruga Bank Ltd reported revenue of $90.5B in FY2026 versus $73.9B in FY2022, a compound +5.2%/yr. Reported net income was $36.8B in FY2026, compounding +46.7%/yr from FY2022.
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Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Jun 26, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| PT Bank Central Asia Tbk BBCA | 6,175 IDR | 6,087 IDR | -1% |
| KB Financial Group 105560 | 153,700 KRW | 213,797 KRW | +39% |
| PT Bank Rakyat Indonesia (Persero) Tbk BBRI | 2,880 IDR | 5,760 IDR | +100% |
| PT Bank Mandiri (Persero) Tbk BMRI | 3,710 IDR | 7,420 IDR | +100% |
| Banco Bradesco S.A BBD | 5,120 ARS | 10,240 ARS | +100% |
| Shinhan Financial Group 055550 | 107,500 KRW | 122,401 KRW | +14% |
| Hana Financial Group 086790 | 119,700 KRW | 162,890 KRW | +36% |
| Lloyds Banking Group LYG | 4,138 ARS | 8,275 ARS | +100% |
| Banco de Chile, CHILE | 179.00 CLP | 92.69 CLP | -48% |
| Joint Stock Commercial Bank for Foreign Trade of Vietnam, VCB | 61,300 VND | 80,599 VND | +31% |
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Frequently asked questions
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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.
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Not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.