Yokohama Financial Group (TSE:7186) Cyclically Adjusted PB Ratio: (As of Aug. 07, 2026)

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Director of Data and Quant Analytics at GuruFocus
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TSE:7186 Yokohama Financial Group Inc TSE:7186
54 GF Score
Price 円1,821.00
GF Value 円1,072.47
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  (TSE:7186) 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.


TSE:7186
54GF Score
Yokohama Financial Group Inc TSE:7186
Cyclically Adjusted PB Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

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)
=1231.882/113.0000*113.0000
=1,231.882

Current CPI (Dec. 2025) = 113.0000.

Yokohama Financial Group Quarterly Data

Book Value per Share CPI Adj_Book
0.000 0.000
201606 811.678 98.100 934.960
201609 833.082 98.000 960.595
201612 858.159 98.400 985.487
201703 867.920 98.100 999.745
201706 882.713 98.500 1,012.656
201709 902.201 98.800 1,031.870
201712 922.473 99.400 1,048.687
201803 916.840 99.200 1,044.384
201806 919.559 99.200 1,047.482
201809 936.622 99.900 1,059.442
201812 911.707 99.700 1,033.329
201903 937.231 99.700 1,062.258
201906 938.408 99.800 1,062.526
201909 960.164 100.100 1,083.901
201912 965.107 100.500 1,085.145
202003 910.735 100.300 1,026.052
202006 923.500 99.900 1,044.600
202009 940.319 99.900 1,063.624
202012 950.417 99.300 1,081.542
202103 955.851 99.900 1,081.193
202106 966.772 99.500 1,097.942
202109 982.034 100.100 1,108.590
202112 976.090 100.100 1,101.880
202203 965.503 101.100 1,079.148
202206 957.790 101.800 1,063.166
202209 957.520 103.100 1,049.464
202212 956.103 104.100 1,037.845
202303 984.093 104.400 1,065.158
202306 1,022.815 105.200 1,098.651
202309 1,033.136 106.200 1,099.288
202312 1,050.675 106.800 1,111.669
202403 1,098.401 107.200 1,157.829
202406 1,095.486 108.200 1,144.084
202409 1,112.660 108.900 1,154.551
202412 1,116.791 110.700 1,139.994
202503 1,128.093 111.100 1,147.385
202506 1,153.848 111.700 1,167.277
202509 1,208.347 112.000 1,219.136
202512 1,231.882 113.000 1,231.882

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 (TSE:7186) Overvalued in 2026?

Based on GuruFocus' analysis, Yokohama Financial Group stock appears to be overvalued. The current stock price of 円1,821.00 is trading 69.8% above its estimated GF Value™ of 円1,072.47. GuruFocus considers Yokohama Financial Group to be Significantly Overvalued.

Key valuation signals for TSE:7186:

  • Cyclically Adjusted PB Ratio:
  • GF Value™: 円1,072.47 vs. price of 円1,821.00 (69.8% above fair value)
  • GF Score™: 54/100 with 6 warning signs

No single metric tells the full story. See the TSE:7186 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.
54GF Score

Get the complete analysis for TSE:7186

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

円1,821.00
Price
円1,072.47
GF Value