Yokohama Financial Group (FRA:YC3) Cyclically Adjusted PB Ratio: (As of Jul. 29, 2026)

Author: Vera Yuan Vera Yuan
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Director of Data and Quant Analytics at GuruFocus
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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.

FRA:YC3 Yokohama Financial Group Inc FRA:YC3
50 GF Score
Price €10.10
GF Value €5.47
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Yokohama Financial Group Cyclically Adjusted PB Ratio?

Shiller PE for Stocks: The True Measure of Stock Valuation


Yokohama Financial Group  (FRA:YC3) Cyclically Adjusted PB Ratio Explanation

Compared with the regular PB Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PB Ratio smoothed out the fluctuations of book value during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted PB Ratio should give similar results to regular PB Ratio.


Yokohama Financial Group Cyclically Adjusted PB Ratio Related Terms


Yokohama Financial Group Cyclically Adjusted PB Ratio Historical Data

* Premium members only.

The historical data trend for Yokohama Financial Group's Cyclically Adjusted PB Ratio 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.

Yokohama Financial Group Cyclically Adjusted PB Ratio Chart

Yokohama Financial Group Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
Cyclically Adjusted PB Ratio
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Yokohama 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 PB Ratio 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 0.00 0.00 0.00 0.00 0.00

Yokohama Financial Group Cyclically Adjusted PB Ratio Competitor Comparison

For the Banks - Regional subindustry, Yokohama 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.


Yokohama Financial Group Cyclically Adjusted PB Ratio vs Banks Industry

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

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


FRA:YC3
50GF Score
Yokohama Financial Group Inc FRA:YC3
Cyclically Adjusted PB Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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Yokohama Financial Group Cyclically Adjusted PB Ratio Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted PB Ratio takes the Book Value per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/B calculation. Because it considers this 10-year average, it's often referred to as the CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio.

Yokohama Financial Group's Cyclically Adjusted Book per Share for the quarter that ended in Dec. 2025 is calculated as:

For example, Yokohama Financial Group's adjusted Book Value per Share data for the three months ended in Dec. 2025 was:

Adj_Book=Book Value per Share/CPI of Dec. 2025 (Change)*Current CPI (Dec. 2025)
=6.747/113.0000*113.0000
=6.747

Current CPI (Dec. 2025) = 113.0000.

Yokohama Financial Group Quarterly Data

Book Value per Share CPI Adj_Book
0.000 0.000
201606 6.857 98.100 7.898
201609 7.293 98.000 8.409
201612 7.013 98.400 8.054
201703 7.187 98.100 8.279
201706 7.083 98.500 8.126
201709 6.833 98.800 7.815
201712 6.902 99.400 7.846
201803 7.012 99.200 7.987
201806 7.152 99.200 8.147
201809 7.161 99.900 8.100
201812 7.143 99.700 8.096
201903 7.463 99.700 8.459
201906 7.685 99.800 8.701
201909 8.107 100.100 9.152
201912 7.961 100.500 8.951
202003 7.655 100.300 8.624
202006 7.623 99.900 8.623
202009 7.561 99.900 8.552
202012 7.527 99.300 8.565
202103 7.387 99.900 8.356
202106 7.288 99.500 8.277
202109 7.577 100.100 8.553
202112 7.589 100.100 8.567
202203 7.393 101.100 8.263
202206 6.764 101.800 7.508
202209 6.749 103.100 7.397
202212 6.690 104.100 7.262
202303 6.877 104.400 7.443
202306 6.678 105.200 7.173
202309 6.548 106.200 6.967
202312 6.692 106.800 7.080
202403 6.745 107.200 7.110
202406 6.447 108.200 6.733
202409 7.013 108.900 7.277
202412 6.934 110.700 7.078
202503 7.001 111.100 7.121
202506 6.924 111.700 7.005
202509 6.963 112.000 7.025
202512 6.747 113.000 6.747

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

Is Yokohama Financial Group (FRA:YC3) Overvalued in 2026?

Based on GuruFocus' analysis, Yokohama Financial Group stock appears to be overvalued. The current stock price of €10.10 is trading 84.6% above its estimated GF Value™ of €5.47. GuruFocus considers Yokohama Financial Group to be Significantly Overvalued.

Key valuation signals for FRA:YC3:

  • Cyclically Adjusted PB Ratio:
  • GF Value™: €5.47 vs. price of €10.10 (84.6% above fair value)
  • GF Score™: 50/100 with 6 warning signs

No single metric tells the full story. See the FRA:YC3 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Yokohama Financial Group Business Description

Address 7-1, Nihonbashi 2-chome, Tokyo Nihonbashi Tower, 34th Floor, Chuo-ku, Tokyo, JPN, 103-6034
Yokohama Financial Group Inc is a holding company through its subsidiaries, providing management services to related firms. The company provides different banking and financial services through its subsidiaries. The company also shares corporate customer information among its companies to develop financial products, offer suitable services, and strengthen customer support.
50GF Score

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

€10.10
Price
€5.47
GF Value