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Howa BankFSE:8559 54 EV-to-FCF is 6.09 as of Jul. 14, 2026, which is 1385% above its 10-year median of 0.41. GuruFocus rates FSE:8559 with a GF Score™ of 54/100 and a GF Value™ of 円530.90 (Modestly Undervalued). The stock has 1 warning sign investors should review. Among 1,199 Banks companies, Howa Bank ranks better than 52.46% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Howa Bank's Enterprise Value is 円-37,290 Mil.
Howa Bank's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was 円-6,123 Mil. Therefore, Howa Bank's EV-to-FCF for today is 6.09.
The historical rank and industry rank for Howa Bank's EV-to-FCF or its related term are showing as below:
FSE:8559'
s EV-to-FCF Range Over the Past 10 Years
Min: -7.93 Med: 0.41 Max: 12.35
Current: 6.09
During the past 13 years, the highest EV-to-FCF of Howa Bank was 12.35. The lowest was -7.93. And the median was 0.41.
FSE:8559's EV-to-FCF is ranked better than 52.46% of 1199
companies
in the Banks industry
Industry Median: 6.57
vs FSE:8559: 6.09
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Howa Bank's share price for today is 円462.00.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Howa Bank's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was 円15.090.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Howa Bank EV-to-FCF Related Terms
Howa Bank EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Howa Bank's EV-to-FCF 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.
For the Banks - Regional subindustry, Howa Bank's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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.
Howa Bank EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, Howa Bank's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Howa Bank's EV-to-FCF falls into.
Howa Bank's current Enterprise Value is 円-37,290 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Howa Bank's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was 円-6,123 Mil.
* 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.
Howa Bank (FSE:8559) has a EV-to-FCF of 6.09 as of Jul. 14, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Howa Bank and its competitors. This is 1385% above median its historical median of 0.41. According to the industry distribution chart, Howa Bank ranks #570 out of 1199 companies in the Banks industry, placing it in the top 47.5%.
Is Howa Bank's EV-to-FCF too high?
Howa Bank's current EV-to-FCF of 6.09 is 1385% above median its 10-year median of 0.41. The Banks industry median EV-to-FCF is 6.57. Howa Bank's value of 6.09 is 7.3% below this industry median. Based on the distribution chart, Howa Bank ranks #570 out of 1199 companies in the Banks industry, which is above the industry midpoint. Overall, Howa Bank has a GF Score™ of 54/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Howa Bank's EV-to-FCF compare to competitors?
According to the Banks industry distribution chart, Howa Bank ranks #570 out of 1199 companies for EV-to-FCF. This puts Howa Bank in the upper half of its industry. The industry median EV-to-FCF is 6.57. Howa Bank's value of 6.09 is 7.3% below this benchmark. While the company's 10-year median is 0.41 vs. the industry median of 6.57, Howa Bank has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.57, based on 1,199 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Howa Bank's current EV-to-FCF of 6.09 is 7.3% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Howa Bank and its competitors. For the Banks industry, the median EV-to-FCF is 6.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Howa Bank's current EV-to-FCF is 6.09, which is 1385% above median its own 10-year median of 0.41. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Howa Bank stock overvalued right now?
Based on GuruFocus' analysis, Howa Bank (FSE:8559) is currently considered Modestly Undervalued. The stock's GF Value™ is 円530.90, compared to a current price of 円462.00 — trading 13% below its estimated fair value. The current EV-to-FCF is 6.09, which is 1385% above median its 10-year median of 0.41 and 7.3% below the Banks industry median of 6.57. Howa Bank's overall GF Score™ is 54/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Howa Bank (FSE:8559), the current EV-to-FCF is 6.09 as of Jul. 14, 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 Howa Bank (FSE:8559) Overvalued in 2026?
Based on GuruFocus' analysis, Howa Bank stock appears to be undervalued.
The current stock price of 円462.00 is trading 13% below its estimated GF Value™ of 円530.90.
GuruFocus considers Howa Bank to be Modestly Undervalued.
Key valuation signals for FSE:8559:
EV-to-FCF: 6.09 (1385% above median its 10-year median of 0.41)
GF Value™: 円530.90 vs. price of 円462.00 (13% below fair value)
Industry Position: 7.3% below the Banks median (#570 of 1199)
No single metric tells the full story. See the FSE:8559 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Howa Bank Ltd is a Japan based regional bank. It provides banking products and services in Japan. Its deposit products include general account, saving account, current account, and property accumulation housing savings deposit. It offers housing loan, reform loan, card loan, free loan, education loan, auto loans and also provides insurance services.
54GF Score
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