Hyakugo Bank (NGO:8368) Net Loan: 円5,121,198 Mil (As of Mar. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

NGO:8368 Hyakugo Bank Ltd NGO:8368
57 GF Score
Price 円2,031.00
GF Value 円813.83
! 6 Warning Signs
View Full Analysis

What is Hyakugo Bank Net Loan?

Hyakugo Bank NGO:8368 57 Net Loan is 円5,121,198 Mil as of Mar. 2026. GuruFocus rates NGO:8368 with a GF Score™ of 57/100 and a GF Value™ of 円813.83. The stock has 6 warning signs investors should review.

Hyakugo Bank's quarterly net loan increased from Sep. 2025 (円5,068,047 Mil) to Dec. 2025 (円5,127,947 Mil) but then declined from Dec. 2025 (円5,127,947 Mil) to Mar. 2026 (円5,121,198 Mil).

Hyakugo Bank's annual net loan increased from Mar. 2024 (円4,863,007 Mil) to Mar. 2025 (円5,127,947 Mil) and increased from Mar. 2025 (円5,127,947 Mil) to Mar. 2026 (円5,121,198 Mil).

Hyakugo Bank Net Loan Historical Data

* Premium members only.

The historical data trend for Hyakugo 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.

Hyakugo Bank Net Loan Chart

Hyakugo 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 4,184,923.00 4,535,721.00 4,863,007.00 5,026,990.00 5,121,198.00

Hyakugo Bank Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 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 5,031,008.00 5,068,047.00 5,127,947.00 5,121,198.00 5,161,120.00
NGO:8368
57GF Score
Hyakugo Bank Ltd NGO:8368
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Hyakugo 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5,121,198 Mil mean?
Hyakugo Bank (NGO:8368) has a Net Loan of 円5,121,198 Mil as of Mar. 2026. The total net loans as recorded on a bank's balance sheet. View historical data on Hyakugo Bank and its competitors.
Is Hyakugo Bank's Net Loan too high?
Hyakugo Bank's current Net Loan is 円5,121,198 Mil. Overall, Hyakugo Bank has a GF Score™ of 57/100, reflecting its overall financial health beyond just this single metric.
How does Hyakugo Bank's Net Loan compare to competitors?
Hyakugo Bank's Net Loan of 円5,121,198 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 Hyakugo Bank and its competitors. Hyakugo Bank's current Net Loan is 円5,121,198 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Hyakugo Bank stock overvalued right now?
Hyakugo Bank (NGO:8368) has a current Net Loan of 円5,121,198 Mil. The stock's GF Value™ is 円813.83, compared to a current price of 円2,031.00 — trading 149.6% above its estimated fair value. The current Net Loan is 円5,121,198 Mil. Hyakugo Bank's overall GF Score™ is 57/100 with 6 warning signs to review. 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 Hyakugo Bank (NGO:8368), the current Net Loan is 円5,121,198 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 Hyakugo Bank (NGO:8368) Overvalued in 2026?

Based on GuruFocus' analysis, Hyakugo Bank stock appears to be overvalued. The current stock price of 円2,031.00 is trading 149.6% above its estimated GF Value™ of 円813.83.

Key valuation signals for NGO:8368:

  • Net Loan: 円5,121,198 Mil
  • GF Value™: 円813.83 vs. price of 円2,031.00 (149.6% above fair value)
  • GF Score™: 57/100 with 6 warning signs

No single metric tells the full story. See the NGO:8368 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Hyakugo Bank Business Description

Other Exchanges 8368:Japan
Address 21-27, Iwata, Tsu, Mie, JPN, 514-8666
Hyakugo Bank Ltd is a Japanese bank that operates primarily in the Mie and Aichi prefectures. The bank's earning assets are just over half in loans and bills discounted and just under half in securities. Its loan portfolio is a diverse mix of loans to individuals, consumers, and small and medium-size companies. Housing loans dominate most loans made to consumers. Most outstanding loans to small and medium-size companies are in the manufacturing, real estate, wholesale and retail, government, financial services, and construction industries. Nearly all of the loans are made in the region the bank operates in. The bank's deposit base mostly originates from individuals.
57GF Score

Get the complete analysis for NGO:8368

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

円2,031.00
Price
円813.83
GF Value