Howa Bank (FSE:8559) Net Loan: 円434,574 Mil (As of Mar. 2026)

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FSE:8559 Howa Bank Ltd FSE:8559
55 GF Score
Price 円485.00
GF Value 円534.08
Valuation Fairly Valued
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What is Howa Bank Net Loan?

Howa Bank FSE:8559 +0.21% 55 Net Loan is 円434,574 Mil as of Mar. 2026. GuruFocus rates FSE:8559 with a GF Score™ of 55/100 and a GF Value™ of 円534.08 (Fairly Valued).

Howa Bank's quarterly net loan increased from Sep. 2025 (円427,590 Mil) to Dec. 2025 (円430,487 Mil) and increased from Dec. 2025 (円430,487 Mil) to Mar. 2026 (円434,574 Mil).

Howa Bank's annual net loan increased from Mar. 2024 (円418,065 Mil) to Mar. 2025 (円430,487 Mil) and increased from Mar. 2025 (円430,487 Mil) to Mar. 2026 (円434,574 Mil).

Howa Bank Net Loan Historical Data

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The historical data trend for Howa Bank's Net Loan can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Howa Bank Net Loan Chart

Howa Bank Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
Net Loan
Get a 7-Day Free Trial Premium Member Only Premium Member Only 412,406.00 415,417.00 418,065.00 424,872.00 434,574.00

Howa Bank Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Net Loan Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 425,172.00 427,590.00 430,487.00 434,574.00 433,122.00
FSE:8559
55GF Score
Howa Bank Ltd FSE:8559
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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Howa Bank Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of 円434,574 Mil mean?
Howa Bank (FSE:8559) has a Net Loan of 円434,574 Mil as of Mar. 2026. The total net loans as recorded on a bank's balance sheet. View historical data on Howa Bank and its competitors.
Is Howa Bank's Net Loan too high?
Howa Bank's current Net Loan is 円434,574 Mil. Overall, Howa Bank has a GF Score™ of 55/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Howa Bank's Net Loan compare to competitors?
Howa Bank's Net Loan of 円434,574 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Loan for a Banks company?
A good Net Loan depends on the Banks industry context. However, Net Loan should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on Howa Bank and its competitors. Howa Bank's current Net Loan is 円434,574 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Howa Bank stock overvalued right now?
Based on GuruFocus' analysis, Howa Bank (FSE:8559) is currently considered Fairly Valued. The stock's GF Value™ is 円534.08, compared to a current price of 円485.00 — trading 9.2% below its estimated fair value. The current Net Loan is 円434,574 Mil. Howa Bank's overall GF Score™ is 55/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For Howa Bank (FSE:8559), the current Net Loan is 円434,574 Mil 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 Howa Bank (FSE:8559) Overvalued in 2026?

Based on GuruFocus' analysis, Howa Bank stock appears to be undervalued. The current stock price of 円485.00 is trading 9.2% below its estimated GF Value™ of 円534.08. GuruFocus considers Howa Bank to be Fairly Valued.

Key valuation signals for FSE:8559:

  • Net Loan: 円434,574 Mil
  • GF Value™: 円534.08 vs. price of 円485.00 (9.2% below fair value)
  • GF Score™: 55/100

No single metric tells the full story. See the FSE:8559 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Howa Bank Business Description

Address 4-10 Oji Nakamachi, Oita, JPN, 870-8686
Howa Bank Ltd is a Japan based regional bank. It provides banking products and services in Japan. Its deposit products include general account, saving account, current account, and property accumulation housing savings deposit. It offers housing loan, reform loan, card loan, free loan, education loan, auto loans and also provides insurance services.
55GF Score

Get the complete analysis for FSE:8559

Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

円485.00
Price
円534.08
GF Value