Chugin Financial Group (TSE:5832) Cyclically Adjusted Book per Share: 円3,238.15 (As of Mar. 2026)


TSE:5832 Chugin Financial Group Inc TSE:5832
66 GF Score
Price 円3,235.00
GF Value 円2,572.68
Valuation Modestly Overvalued
! 4 Warning Signs
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What is Chugin Financial Group Cyclically Adjusted Book per Share?

Chugin Financial Group TSE:5832 -0.31% 66 Cyclically Adjusted Book per Share is 円3,238.15 as of Mar. 2026. GuruFocus rates TSE:5832 with a GF Score™ of 66/100 and a GF Value™ of 円2,572.68 (Modestly Overvalued). The stock has 4 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.

Chugin Financial Group's adjusted book value per share for the three months ended in Mar. 2026 was 円3,491.669. 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 円3,238.15 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Chugin Financial Group's average Cyclically Adjusted Book Growth Rate was 2.60% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 4.10% per year. During the past 5 years, the average Cyclically Adjusted Book Growth Rate was 4.90% 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 Chugin Financial Group was 5.60% per year. The lowest was 4.10% per year. And the median was 5.15% per year.

As of today (2026-07-12), Chugin Financial Group's current stock price is 円3235.00. Chugin Financial Group's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2026 was 円3,238.15. Chugin Financial Group's Cyclically Adjusted PB Ratio of today is 1.00.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Chugin Financial Group was 1.06. The lowest was 0.30. And the median was 0.49.


Chugin Financial Group  (TSE:5832) 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.

Chugin Financial Group's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=3235.00/3238.15
=1.00

* 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 Chugin Financial Group was 1.06. The lowest was 0.30. And the median was 0.49.


Be Aware

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


Chugin Financial Group Cyclically Adjusted Book per Share Related Terms


Chugin Financial Group Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Chugin Financial Group'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.

Chugin Financial Group Cyclically Adjusted Book per Share Chart

Chugin Financial Group 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 2,714.02 2,873.50 3,007.87 3,157.23 3,238.15

Chugin Financial Group 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 3,157.23 3,178.81 3,198.16 3,236.37 3,238.15

Chugin Financial Group Cyclically Adjusted Book per Share Competitor Comparison

For the Banks - Regional subindustry, Chugin Financial Group'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.


Chugin Financial Group Cyclically Adjusted PB Ratio vs Banks Industry

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

* The bar in red indicates where Chugin Financial Group's Cyclically Adjusted PB Ratio falls into.


TSE:5832
66GF Score
Chugin Financial Group Inc TSE:5832
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Chugin Financial Group 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, Chugin Financial Group'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)
=3491.669/112.7000*112.7000
=3,491.669

Current CPI (Mar. 2026) = 112.7000.

Chugin Financial Group Quarterly Data

Book Value per Share CPI Adj_Book
201606 2,713.822 98.100 3,117.714
201609 2,717.076 98.000 3,124.637
201612 2,681.528 98.400 3,071.222
201703 2,685.592 98.100 3,085.283
201706 2,735.458 98.500 3,129.808
201709 2,795.716 98.800 3,189.040
201712 2,874.844 99.400 3,259.506
201803 2,833.346 99.200 3,218.932
201806 2,873.190 99.200 3,264.199
201809 2,898.278 99.900 3,269.629
201812 2,774.982 99.700 3,136.815
201903 2,855.913 99.700 3,228.299
201906 2,864.176 99.800 3,234.395
201909 2,927.863 100.100 3,296.405
201912 2,950.627 100.500 3,308.813
202003 2,718.244 100.300 3,054.298
202006 2,817.718 99.900 3,178.747
202009 2,859.981 99.900 3,226.425
202012 2,929.762 99.300 3,325.118
202103 2,989.477 99.900 3,372.513
202106 3,051.683 99.500 3,456.529
202109 3,086.003 100.100 3,474.451
202112 3,120.360 100.100 3,513.133
202203 2,973.933 101.100 3,315.156
202206 2,892.763 101.800 3,202.499
202209 2,857.879 103.100 3,123.986
202212 2,793.881 104.100 3,024.692
202303 2,873.958 104.400 3,102.443
202306 2,971.910 105.200 3,183.786
202309 2,947.423 106.200 3,127.821
202312 3,042.619 106.800 3,210.704
202403 3,193.595 107.200 3,357.445
202406 3,150.107 108.200 3,281.119
202409 3,189.144 108.900 3,300.427
202412 3,151.226 110.700 3,208.159
202503 3,031.468 111.100 3,075.126
202506 3,168.613 111.700 3,196.980
202509 3,341.362 112.000 3,362.246
202512 3,435.011 113.000 3,425.892
202603 3,491.669 112.700 3,491.669

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 円3,238.15 mean?
Chugin Financial Group (TSE:5832) has a Cyclically Adjusted Book per Share of 円3,238.15 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 Chugin Financial Group and its competitors.
Is Chugin Financial Group's Cyclically Adjusted Book per Share too high?
Chugin Financial Group's current Cyclically Adjusted Book per Share is 円3,238.15. Overall, Chugin Financial Group has a GF Score™ of 66/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Chugin Financial Group's Cyclically Adjusted Book per Share compare to competitors?
Chugin Financial Group's Cyclically Adjusted Book per Share of 円3,238.15 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 Chugin Financial Group and its competitors. Chugin Financial Group's current Cyclically Adjusted Book per Share is 円3,238.15. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Chugin Financial Group stock overvalued right now?
Based on GuruFocus' analysis, Chugin Financial Group (TSE:5832) is currently considered Modestly Overvalued. The stock's GF Value™ is 円2,572.68, compared to a current price of 円3,235.00 — trading 25.7% above its estimated fair value. The current Cyclically Adjusted Book per Share is 円3,238.15. Chugin Financial Group's overall GF Score™ is 66/100 with 4 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 Chugin Financial Group (TSE:5832), the current Cyclically Adjusted Book per Share is 円3,238.15 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 Chugin Financial Group (TSE:5832) Overvalued in 2026?

Based on GuruFocus' analysis, Chugin Financial Group stock appears to be overvalued. The current stock price of 円3,235.00 is trading 25.7% above its estimated GF Value™ of 円2,572.68. GuruFocus considers Chugin Financial Group to be Modestly Overvalued.

Key valuation signals for TSE:5832:

  • Cyclically Adjusted Book per Share: 円3,238.15
  • GF Value™: 円2,572.68 vs. price of 円3,235.00 (25.7% above fair value)
  • GF Score™: 66/100 with 4 warning signs

No single metric tells the full story. See the TSE:5832 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Chugin Financial Group Business Description

Address 1-15-20 Marunouchi, Kita-ku, Okayama, JPN, 700-8628
Chugin Financial Group Inc is engaged in the business management of banks and other companies.
66GF Score

Get the complete analysis for TSE:5832

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

円3,235.00
Price
円2,572.68
GF Value