J Trust Co (STU:4JT) Cyclically Adjusted PB Ratio: (As of Aug. 18, 2026)

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

STU:4JT J Trust Co Ltd STU:4JT
62 GF Score
Price €2.30
GF Value €0.97
! 13 Warning Signs
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What is J Trust Co Cyclically Adjusted PB Ratio?

Note: If the price history is too short, we do not calculate current Cyclically Adjusted PB Ratio for this stock. All the historical data is shown as the company's primary share's data instead.

Shiller PE for Stocks: The True Measure of Stock Valuation


J Trust Co  (STU:4JT) 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.


J Trust Co Cyclically Adjusted PB Ratio Related Terms


J Trust Co Cyclically Adjusted PB Ratio Historical Data

* Premium members only.

The historical data trend for J Trust Co'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.

J Trust Co Cyclically Adjusted PB Ratio Chart

J Trust Co Annual Data
Trend Mar16 Mar17 Mar18 Mar19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted PB Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.46 0.40 0.36 0.38 0.38

J Trust Co Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
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 0.34 0.35 0.38 0.43 0.66

STU:4JT vs FRHC, VOYA: Cyclically Adjusted PB Ratio Comparison

For the Financial Conglomerates subindustry, J Trust Co'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.


J Trust Co Cyclically Adjusted PB Ratio vs Diversified Financial Services Industry

For the Diversified Financial Services industry and Financial Services sector, J Trust Co's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where J Trust Co's Cyclically Adjusted PB Ratio falls into.


STU:4JT
62GF Score
J Trust Co Ltd STU:4JT
Cyclically Adjusted PB Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

J Trust Co 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.

J Trust Co's Cyclically Adjusted Book per Share for the quarter that ended in Jun. 2026 is calculated as:

For example, J Trust Co's adjusted Book Value per Share data for the three months ended in Jun. 2026 was:

Adj_Book=Book Value per Share/CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=6.52/113.6000*113.6000
=6.520

Current CPI (Jun. 2026) = 113.6000.

J Trust Co Quarterly Data

Book Value per Share CPI Adj_Book
201609 11.134 98.000 12.906
201612 11.886 98.400 13.722
201703 12.089 98.100 13.999
201706 11.773 98.500 13.578
201709 11.306 98.800 13.000
201712 11.062 99.400 12.642
201803 10.719 99.200 12.275
201806 10.443 99.200 11.959
201809 10.242 99.900 11.647
201812 7.944 99.700 9.052
201903 7.835 99.700 8.927
201906 7.891 99.800 8.982
201909 7.857 100.100 8.917
201912 7.790 100.500 8.805
202003 7.455 100.300 8.444
202006 7.506 99.900 8.535
202009 7.307 99.900 8.309
202012 6.852 99.300 7.839
202103 7.153 99.900 8.134
202106 6.974 99.500 7.962
202109 7.001 100.100 7.945
202112 7.025 100.100 7.972
202203 7.413 101.100 8.330
202206 7.166 101.800 7.997
202209 7.214 103.100 7.949
202212 7.029 104.100 7.670
202303 7.016 104.400 7.634
202306 7.285 105.200 7.867
202309 7.194 106.200 7.695
202312 7.032 106.800 7.480
202403 6.863 107.200 7.273
202406 6.901 108.200 7.245
202409 7.242 108.900 7.555
202412 7.354 110.700 7.547
202503 6.961 111.100 7.118
202506 6.840 111.700 6.956
202509 6.643 112.000 6.738
202512 6.657 113.000 6.692
202603 6.549 112.700 6.601
202606 6.520 113.600 6.520

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 J Trust Co (STU:4JT) Overvalued in 2026?

Based on GuruFocus' analysis, J Trust Co stock appears to be overvalued. The current stock price of €2.30 is trading 137.1% above its estimated GF Value™ of €0.97.

Key valuation signals for STU:4JT:

  • Cyclically Adjusted PB Ratio:
  • GF Value™: €0.97 vs. price of €2.30 (137.1% above fair value)
  • GF Score™: 62/100 with 13 warning signs

No single metric tells the full story. See the STU:4JT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


J Trust Co Business Description

Other Exchanges 8508:Japan
Address Toranomon First Garden 1-7-12 Toranomon, Minato-Ku, Tokyo, JPN, 105-0001
J Trust Co Ltd is a Japan-based company that operates financial and nonfinancial businesses via several subsidiaries. The company's financial business includes a domestic financial business, which consists of credit guarantee, credit and consumer credit, collection of accounts receivable, and other financial services; a financial business in South Korea, which contains a savings bank business, capital business, and a collection of accounts receivable; and a financial business in Southeast Asia, which contains a banking business and a collection of accounts receivable. It's nonfinancial business includes a general entertainment business, a real estate business, an investment business, and other business. It generates around two thirds of its total revenue from its financial businesses.
62GF Score

Get the complete analysis for STU:4JT

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

€2.30
Price
€0.97
GF Value