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Japan Securities Finance CoJSFNF 61 3-Year Book Growth Rate is 2.50% as of Mar. 2026, which is 39% above its 10-year median of 1.80. GuruFocus rates JSFNF with a GF Scoreâ„¢ of 61/100 and a GF Valueâ„¢ of $4.06. The stock has 6 warning signs investors should review. Among 516 Credit Services companies, Japan Securities Finance Co ranks worse than 61.43% on this metric.
During the past 12 months, Japan Securities Finance Co's average Book Value per Share Growth Rate was 4.10% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 2.50% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 2.80% per year.
During the past 10 years, the average Book Value per Share Growth Rate was 1.60% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 13 years, the highest 3-Year average Book Value per Share Growth Rate of Japan Securities Finance Co was 5.40% per year. The lowest was -4.10% per year. And the median was 1.80% per year.
Japan Securities Finance Co (OTCPK:JSFNF) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
Japan Securities Finance Co 3-Year Book Growth Rate Related Terms
JSFNF vs V, MA, AXP: 3-Year Book Growth Rate Comparison
For the Credit Services subindustry, Japan Securities Finance Co's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Japan Securities Finance Co 3-Year Book Growth Rate vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Japan Securities Finance Co's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where Japan Securities Finance Co's 3-Year Book Growth Rate falls into.
Japan Securities Finance Co 3-Year Book Growth Rate Calculation
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 2.50% mean?
Japan Securities Finance Co (JSFNF) has a 3-Year Book Growth Rate of 2.50% as of Mar. 2026. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Japan Securities Finance Co and its competitors. This is 39% above median its historical median of 1.80. According to the industry distribution chart, Japan Securities Finance Co ranks #317 out of 516 companies in the Credit Services industry, placing it in the top 61.4%.
Is Japan Securities Finance Co's 3-Year Book Growth Rate too high?
Japan Securities Finance Co's current 3-Year Book Growth Rate of 2.50% is 39% above median its 10-year median of 1.80. The Credit Services industry median 3-Year Book Growth Rate is 5.65. Japan Securities Finance Co's value of 2.50% is 55.8% below this industry median. Based on the distribution chart, Japan Securities Finance Co ranks #317 out of 516 companies in the Credit Services industry, which is below the industry midpoint. Overall, Japan Securities Finance Co has a GF Scoreâ„¢ of 61/100, reflecting its overall financial health beyond just this single metric.
How does Japan Securities Finance Co's 3-Year Book Growth Rate compare to V and MA?
According to the Credit Services industry distribution chart, Japan Securities Finance Co ranks #317 out of 516 companies for 3-Year Book Growth Rate. This places Japan Securities Finance Co in the lower half of its industry. The industry median 3-Year Book Growth Rate is 5.65. Japan Securities Finance Co's value of 2.50% is 55.8% below this benchmark. While the company's 10-year median is 1.80 vs. the industry median of 5.65, Japan Securities Finance Co has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for a Credit Services company?
The median 3-Year Book Growth Rate among Credit Services companies is 5.65, based on 516 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Japan Securities Finance Co's current 3-Year Book Growth Rate of 2.50% is 55.8% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Japan Securities Finance Co and its competitors. For the Credit Services industry, the median 3-Year Book Growth Rate is 5.65 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Japan Securities Finance Co's current 3-Year Book Growth Rate is 2.50%, which is 39% above median its own 10-year median of 1.80. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Japan Securities Finance Co stock overvalued right now?
Japan Securities Finance Co (JSFNF) has a current 3-Year Book Growth Rate of 2.50%. The stock's GF Value™ is $4.06, compared to a current price of $5.10 — trading 25.6% above its estimated fair value. The current 3-Year Book Growth Rate is 2.50%, which is 39% above median its 10-year median of 1.80 and 55.8% below the Credit Services industry median of 5.65. Japan Securities Finance Co's overall GF Score™ is 61/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For Japan Securities Finance Co (JSFNF), the current 3-Year Book Growth Rate is 2.50% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Japan Securities Finance Co (JSFNF) Overvalued in 2026?
Based on GuruFocus' analysis, Japan Securities Finance Co stock appears to be overvalued.
The current stock price of $5.10 is trading 25.6% above its estimated GF Value™ of $4.06.
Key valuation signals for JSFNF:
3-Year Book Growth Rate: 2.50% (39% above median its 10-year median of 1.80)
GF Value™: $4.06 vs. price of $5.10 (25.6% above fair value)
Industry Position: 55.8% below the Credit Services median (#317 of 516)
No single metric tells the full story. See the JSFNF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Japan Securities Finance Co Ltd operates in three business segments: Securities Finance, Trust Banking, and Real Estate Leasing. In the Securities Finance business, which makes up the vast majority of the company's total revenue, the company primarily provides loans for margin transactions where it earns revenue through fees and interest. The Securities Finance segment also earns fees through stock and bond lending and earns interest through bond financing and general loans. The Trust Banking business provides trust services, such as securities trust, and banking services, such as deposits and loans. The Real Estate Leasing business provides services for leasing and managing real estate. The company operates exclusively in Japan.
61GF Score
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