Howa Bank (FSE:8559) EV-to-FCF: (As of Aug. 28, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Charlie Tian
Charlie Tian
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.

FSE:8559 Howa Bank Ltd FSE:8559
54 GF Score
Price 円497.00
GF Value 円534.47
Valuation Fairly Valued
View Full Analysis

What is Howa Bank EV-to-FCF?

EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Howa Bank's Enterprise Value is 円-47,983 Mil. Howa Bank's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was 円0 Mil. Therefore, Howa Bank's EV-to-FCF for today is .

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: 0   Med: 0   Max: 7.85
Current: 7.85

During the past 13 years, the highest EV-to-FCF of Howa Bank was 7.85. The lowest was 0.00. And the median was 0.00.

FSE:8559's EV-to-FCF is ranked worse than
52.76% of 1179 companies
in the Banks industry
Industry Median: 7.05 vs FSE:8559: 7.85

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.

As of today (2026-08-28), Howa Bank's stock price is 円497.00. Howa Bank's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was 円75.660. Therefore, Howa Bank's PE Ratio (TTM) for today is 6.57.


Howa Bank  (FSE:8559) EV-to-FCF Explanation

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 PE Ratio (TTM) for today is calculated as:

PE Ratio (TTM)=Share Price (Today)/Earnings per Share (Diluted) (TTM)
=497.00/75.660
=6.57

Howa Bank's share price for today is 円497.00.
Howa Bank's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was 円75.660.

* 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.

Howa Bank EV-to-FCF Chart

Howa Bank Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
EV-to-FCF
Get a 7-Day Free Trial Premium Member Only Premium Member Only -5.67 2.65 12.31 2.57 6.06

Howa Bank Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
EV-to-FCF 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 6.06 0.00

Howa Bank EV-to-FCF Competitor Comparison

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.


FSE:8559
54GF Score
Howa Bank Ltd FSE:8559
EV-to-FCF is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Howa Bank EV-to-FCF Calculation

Howa Bank's EV-to-FCF for today is calculated as:

EV-to-FCF=Enterprise Value (Today)/Free Cash Flow (TTM)
=-47982.625/0
=

Howa Bank's current Enterprise Value is 円-47,983 Mil.
Howa Bank's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was 円0 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.

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497.00 is trading 7% below its estimated GF Value™ of 円534.47. GuruFocus considers Howa Bank to be Fairly Valued.

Key valuation signals for FSE:8559:

  • EV-to-FCF:
  • GF Value™: 円534.47 vs. price of 円497.00 (7% below fair value)
  • GF Score™: 54/100

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 Business Description

Address 4-10 Oji Nakamachi, Oita, JPN, 870-8686
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

Get the complete analysis for FSE:8559

EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

円497.00
Price
円534.47
GF Value