Seven Bank (FRA:0S7) Cyclically Adjusted Book per Share: €1.17 (As of Mar. 2026)


FRA:0S7 Seven Bank Ltd FRA:0S7
75 GF Score
Price €1.55
GF Value €1.96
Valuation Modestly Undervalued
! 2 Warning Signs
View Full Analysis

What is Seven Bank Cyclically Adjusted Book per Share?

Seven Bank FRA:0S7 75 Cyclically Adjusted Book per Share is €1.17 as of Mar. 2026. GuruFocus rates FRA:0S7 with a GF Score™ of 75/100 and a GF Value™ of €1.96 (Modestly Undervalued). The stock has 2 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

Seven Bank's adjusted book value per share for the three months ended in Mar. 2026 was €1.309. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is €1.17 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Seven Bank's average Cyclically Adjusted Book Growth Rate was 4.60% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 6.60% per year. During the past 5 years, the average Cyclically Adjusted Book Growth Rate was 7.40% 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 Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Book Growth Rate of Seven Bank was 8.00% per year. The lowest was 6.60% per year. And the median was 7.20% per year.

As of today (2026-07-09), Seven Bank's current stock price is €1.55. Seven Bank's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2026 was €1.17. Seven Bank's Cyclically Adjusted PB Ratio of today is 1.32.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Seven Bank was 3.32. The lowest was 1.20. And the median was 1.57.


Seven Bank  (FRA:0S7) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

Seven Bank's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=1.55/1.17
=1.32

* 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.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Seven Bank was 3.32. The lowest was 1.20. And the median was 1.57.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


Seven Bank Cyclically Adjusted Book per Share Related Terms


Seven Bank Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Seven Bank's Cyclically Adjusted Book per Share 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.

Seven Bank Cyclically Adjusted Book per Share Chart

Seven Bank Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.19 1.21 1.15 1.27 1.17

Seven Bank Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted Book per Share 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 1.27 1.22 1.20 1.15 1.17

Seven Bank Cyclically Adjusted Book per Share Competitor Comparison

For the Banks - Regional subindustry, Seven Bank's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio 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.


Seven Bank Cyclically Adjusted PB Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Seven Bank's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Seven Bank's Cyclically Adjusted PB Ratio falls into.


FRA:0S7
75GF Score
Seven Bank Ltd FRA:0S7
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Seven Bank Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Seven Bank's adjusted Book Value per Share data for the three months ended in Mar. 2026 was:

Adj_Book= Book Value per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=1.309/112.7000*112.7000
=1.309

Current CPI (Mar. 2026) = 112.7000.

Seven Bank Quarterly Data

Book Value per Share CPI Adj_Book
201606 1.308 98.100 1.503
201609 1.395 98.000 1.604
201612 1.311 98.400 1.502
201703 1.383 98.100 1.589
201706 1.343 98.500 1.537
201709 1.309 98.800 1.493
201712 1.303 99.400 1.477
201803 1.362 99.200 1.547
201806 1.378 99.200 1.566
201809 1.317 99.900 1.486
201812 1.363 99.700 1.541
201903 1.422 99.700 1.607
201906 1.460 99.800 1.649
201909 1.541 100.100 1.735
201912 1.514 100.500 1.698
202003 1.580 100.300 1.775
202006 1.551 99.900 1.750
202009 1.558 99.900 1.758
202012 1.539 99.300 1.747
202103 1.533 99.900 1.729
202106 1.493 99.500 1.691
202109 1.564 100.100 1.761
202112 1.568 100.100 1.765
202203 1.580 101.100 1.761
202206 1.456 101.800 1.612
202209 1.495 103.100 1.634
202212 1.483 104.100 1.606
202303 1.490 104.400 1.608
202306 1.389 105.200 1.488
202309 1.507 106.200 1.599
202312 1.502 106.800 1.585
202403 1.420 107.200 1.493
202406 0.000 108.200 0.000
202409 1.491 108.900 1.543
202412 1.449 110.700 1.475
202503 1.471 111.100 1.492
202506 1.372 111.700 1.384
202509 1.349 112.000 1.357
202512 1.283 113.000 1.280
202603 1.309 112.700 1.309

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

What does a Cyclically Adjusted Book per Share of €1.17 mean?
Seven Bank (FRA:0S7) has a Cyclically Adjusted Book per Share of €1.17 as of Mar. 2026. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Seven Bank and its competitors.
Is Seven Bank's Cyclically Adjusted Book per Share too high?
Seven Bank's current Cyclically Adjusted Book per Share is €1.17. Overall, Seven Bank has a GF Score™ of 75/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Seven Bank's Cyclically Adjusted Book per Share compare to competitors?
Seven Bank's Cyclically Adjusted Book per Share of €1.17 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 Cyclically Adjusted Book per Share for a Banks company?
A good Cyclically Adjusted Book per Share depends on the Banks industry context. However, Cyclically Adjusted Book per Share 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 Cyclically Adjusted Book per Share mean?
A high Cyclically Adjusted Book per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Seven Bank and its competitors. Seven Bank's current Cyclically Adjusted Book per Share is €1.17. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Seven Bank stock overvalued right now?
Based on GuruFocus' analysis, Seven Bank (FRA:0S7) is currently considered Modestly Undervalued. The stock's GF Value™ is €1.96, compared to a current price of €1.55 — trading 20.9% below its estimated fair value. The current Cyclically Adjusted Book per Share is €1.17. Seven Bank's overall GF Score™ is 75/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Book per Share calculated?
Cyclically Adjusted Book per Share is calculated from a company's financial statements. For Seven Bank (FRA:0S7), the current Cyclically Adjusted Book per Share is €1.17 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 Seven Bank (FRA:0S7) Overvalued in 2026?

Based on GuruFocus' analysis, Seven Bank stock appears to be undervalued. The current stock price of €1.55 is trading 20.9% below its estimated GF Value™ of €1.96. GuruFocus considers Seven Bank to be Modestly Undervalued.

Key valuation signals for FRA:0S7:

  • Cyclically Adjusted Book per Share: €1.17
  • GF Value™: €1.96 vs. price of €1.55 (20.9% below fair value)
  • GF Score™: 75/100 with 2 warning signs

No single metric tells the full story. See the FRA:0S7 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Seven Bank Business Description

Other Exchanges SVNBY:USA8410:Japan
Address 6-1 Marunouchi 1-chome, Chiyoda-ku, Tokyo, JPN, 100-0005
Seven Bank Ltd is a Japan-based business bank. It operates a network of ATMs in partnership with financial institutions across Japan. The company's business segments include the ATM Services segment and the Financial Services segment. The ATM Services segment, provides deposits, withdrawals, and bank transfers at more than 22,000 Seven Bank ATMs nationwide using the cards of more than 590 partner institutions. The Financial Services segment provides convenient account-related services, such as ordinary deposits, time deposits, personal loans and international money transfers, which are accessible from not only Seven Bank ATMs but also personal computers and smartphones. Also, the company provides ATM services overseas and back-office support on commission through its subsidiaries.
75GF Score

Get the complete analysis for FRA:0S7

Cyclically Adjusted Book per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€1.55
Price
€1.96
GF Value