CRDIY (Yokohama Financial Group) Cyclically Adjusted PS 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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CRDIY Yokohama Financial Group Inc CRDIY
39 GF Score
Price $34.79
GF Value $19.94
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Yokohama Financial Group Cyclically Adjusted PS Ratio?

Shiller PE for Stocks: The True Measure of Stock Valuation


Yokohama Financial Group  (OTCPK:CRDIY) Cyclically Adjusted PS Ratio Explanation

Compared with the regular PS Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PS Ratio smoothed out the fluctuations of revenue 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 PS Ratio should give similar results to regular PS Ratio.


Yokohama Financial Group Cyclically Adjusted PS Ratio Related Terms


Yokohama Financial Group Cyclically Adjusted PS Ratio Historical Data

* Premium members only.

The historical data trend for Yokohama Financial Group's Cyclically Adjusted PS 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 PS Ratio Chart

Yokohama Financial Group Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
Cyclically Adjusted PS Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 0.00

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 PS 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 PS Ratio Competitor Comparison

For the Banks - Regional subindustry, Yokohama Financial Group's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS 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 PS Ratio vs Banks Industry

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

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


CRDIY
39GF Score
Yokohama Financial Group Inc CRDIY
Cyclically Adjusted PS Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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Yokohama Financial Group Cyclically Adjusted PS Ratio Calculation

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

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

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

Adj_RevenuePerShare=Revenue per Share/CPI of Dec. 2025 (Change)*Current CPI (Dec. 2025)
=1.516/113.0000*113.0000
=1.516

Current CPI (Dec. 2025) = 113.0000.

Yokohama Financial Group Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
0.000 0.000
201606 1.736 98.100 2.000
201609 1.735 98.000 2.001
201612 1.410 98.400 1.619
201703 1.498 98.100 1.726
201706 1.602 98.500 1.838
201709 1.511 98.800 1.728
201712 1.647 99.400 1.872
201803 1.664 99.200 1.895
201806 1.468 99.200 1.672
201809 1.475 99.900 1.668
201812 1.450 99.700 1.643
201903 1.437 99.700 1.629
201906 1.528 99.800 1.730
201909 1.635 100.100 1.846
201912 1.471 100.500 1.654
202003 1.606 100.300 1.809
202006 1.453 99.900 1.644
202009 1.579 99.900 1.786
202012 1.528 99.300 1.739
202103 1.720 99.900 1.946
202106 1.606 99.500 1.824
202109 1.473 100.100 1.663
202112 1.379 100.100 1.557
202203 1.372 101.100 1.533
202206 1.267 101.800 1.406
202209 1.198 103.100 1.313
202212 1.223 104.100 1.328
202303 1.266 104.400 1.370
202306 1.239 105.200 1.331
202309 1.299 106.200 1.382
202312 1.189 106.800 1.258
202403 1.307 107.200 1.378
202406 1.211 108.200 1.265
202409 1.400 108.900 1.453
202412 1.280 110.700 1.307
202503 1.504 111.100 1.530
202506 1.606 111.700 1.625
202509 1.717 112.000 1.732
202512 1.516 113.000 1.516

Add all the adjusted revenue per share together and divide 10 will get our Cyclically Adjusted Revenue 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 (CRDIY) Overvalued in 2026?

Based on GuruFocus' analysis, Yokohama Financial Group stock appears to be overvalued. The current stock price of $34.79 is trading 74.5% above its estimated GF Value™ of $19.94. GuruFocus considers Yokohama Financial Group to be Significantly Overvalued.

Key valuation signals for CRDIY:

  • Cyclically Adjusted PS Ratio:
  • GF Value™: $19.94 vs. price of $34.79 (74.5% above fair value)
  • GF Score™: 39/100 with 6 warning signs

No single metric tells the full story. See the CRDIY 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.
39GF Score

Get the complete analysis for CRDIY

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

$34.79
Price
$19.94
GF Value