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Mitsubishi HC CapitalMIUFF 73 3-Year Book Growth Rate is 9.10% as of Mar. 2026, which is 5% above its 10-year median of 8.70. GuruFocus rates MIUFF with a GF Score™ of 73/100 and a GF Value™ of $6.25. The stock has 5 warning signs investors should review. Among 514 Credit Services companies, Mitsubishi HC Capital ranks better than 60.89% on this metric.
During the past 12 months, Mitsubishi HC Capital's average Book Value per Share Growth Rate was 11.10% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 9.10% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 9.50% per year.
During the past 10 years, the average Book Value per Share Growth Rate was 6.80% 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 Mitsubishi HC Capital was 42.50% per year. The lowest was 2.50% per year. And the median was 8.70% per year.
Mitsubishi HC Capital (OTCPK:MIUFF) 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.
Mitsubishi HC Capital 3-Year Book Growth Rate Related Terms
MIUFF vs V, MA, AXP: 3-Year Book Growth Rate Comparison
For the Credit Services subindustry, Mitsubishi HC Capital'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.
Mitsubishi HC Capital 3-Year Book Growth Rate vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Mitsubishi HC Capital's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where Mitsubishi HC Capital's 3-Year Book Growth Rate falls into.
Mitsubishi HC Capital 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 9.10% mean?
Mitsubishi HC Capital (MIUFF) has a 3-Year Book Growth Rate of 9.10% 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 Mitsubishi HC Capital and its competitors. This is near median its historical median of 8.70. Over the past decade, Mitsubishi HC Capital's 3-Year Book Growth Rate has ranged from 2.50 to 42.50. According to the industry distribution chart, Mitsubishi HC Capital ranks #201 out of 514 companies in the Credit Services industry, placing it in the top 39.1%.
Is Mitsubishi HC Capital's 3-Year Book Growth Rate too high?
Mitsubishi HC Capital's current 3-Year Book Growth Rate of 9.10% is near median its 10-year median of 8.70. Over the past 10 years, this metric has ranged from a low of 2.50 to a high of 42.50. The Credit Services industry median 3-Year Book Growth Rate is 6.00. Mitsubishi HC Capital's value of 9.10% is 51.7% above this industry median. Based on the distribution chart, Mitsubishi HC Capital ranks #201 out of 514 companies in the Credit Services industry, which is above the industry midpoint. Overall, Mitsubishi HC Capital has a GF Score™ of 73/100, reflecting its overall financial health beyond just this single metric.
How does Mitsubishi HC Capital's 3-Year Book Growth Rate compare to V and MA?
According to the Credit Services industry distribution chart, Mitsubishi HC Capital ranks #201 out of 514 companies for 3-Year Book Growth Rate. This puts Mitsubishi HC Capital in the upper half of its industry. The industry median 3-Year Book Growth Rate is 6.00. Mitsubishi HC Capital's value of 9.10% is 51.7% above this benchmark. Historically, Mitsubishi HC Capital's own 3-Year Book Growth Rate has ranged from 2.50 to 42.50 over the past decade. While the company's 10-year median is 8.70 vs. the industry median of 6.00, Mitsubishi HC Capital has consistently been above 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 6.00, based on 514 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. Mitsubishi HC Capital's current 3-Year Book Growth Rate of 9.10% is 51.7% above 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 Mitsubishi HC Capital and its competitors. For the Credit Services industry, the median 3-Year Book Growth Rate is 6.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Mitsubishi HC Capital's current 3-Year Book Growth Rate is 9.10%, which is near median its own 10-year median of 8.70. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Mitsubishi HC Capital stock overvalued right now?
Mitsubishi HC Capital (MIUFF) has a current 3-Year Book Growth Rate of 9.10%. The stock's GF Value™ is $6.25, compared to a current price of $7.50 — trading 20% above its estimated fair value. The current 3-Year Book Growth Rate is 9.10%, which is near median its 10-year median of 8.70 and 51.7% above the Credit Services industry median of 6.00. Mitsubishi HC Capital's overall GF Score™ is 73/100 with 5 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 Mitsubishi HC Capital (MIUFF), the current 3-Year Book Growth Rate is 9.10% 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 Mitsubishi HC Capital (MIUFF) Overvalued in 2026?
Based on GuruFocus' analysis, Mitsubishi HC Capital stock appears to be overvalued.
The current stock price of $7.50 is trading 20% above its estimated GF Value™ of $6.25.
Key valuation signals for MIUFF:
3-Year Book Growth Rate: 9.10% (near median its 10-year median of 8.70)
GF Value™: $6.25 vs. price of $7.50 (20% above fair value)
Industry Position: 51.7% above the Credit Services median (#201 of 514)
No single metric tells the full story. See the MIUFF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Mitsubishi HC Capital Inc is a Japan-based company engaged in providing comprehensive financial services. The company operates through several reportable segments, including Customer Solution, Overseas Region, Environmental Energy, Aviation, Logistics, Real Estate, and Mobility. Its businesses include finance solutions for corporations and government agencies, energy-saving and vendor finance, renewable energy and environmental finance, aircraft and engine leasing, marine container and railway freight car leasing, real estate finance and investment, and automobile leasing and related services. It generates the majority of its revenue from the Customer Solutions segment.
73GF Score
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