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J Trust CoTSE:8508 +9.12%61 Piotroski F-Score is 4 as of Sep. 01, 2026, which is 20% below its 10-year median of 5.00. GuruFocus rates TSE:8508 with a GF Score™ of 61/100 and a GF Value™ of 円395.90 (Significantly Overvalued). The stock has 8 warning signs investors should review. Among 323 Diversified Financial Services companies, J Trust Co ranks better than 71.83% on this metric.
The zones of discrimination were as such:
Good or high score = 7, 8, 9
Bad or low score = 0, 1, 2, 3
J Trust Co has an F-score of 4 indicating the company's financial situation is typical for a stable company.
The historical rank and industry rank for J Trust Co's Piotroski F-Score or its related term are showing as below:
TSE:8508'
s Piotroski F-Score Range Over the Past 10 Years
Min: 1 Med: 5 Max: 9
Current: 4
During the past 13 years, the highest Piotroski F-Score of J Trust Co was 9. The lowest was 1. And the median was 5.
J Trust Co (TSE:8508) Piotroski F-Score Explanation
The developer of the system is Joseph D. Piotroski is relatively unknown accounting professor who shuns publicity and rarely gives interviews.
He graduated from the University of Illinois with a B.S. in accounting in 1989, received an M.B.A. from Indiana University in 1994. Five years later, in 1999, after earning a Ph.D. in accounting from the University of Michigan, he became an associate professor of accounting at the University of Chicago.
He wanted to see if he can develop a system (using a simple nine-point scoring system) that can increase the returns of a strategy of investing in low price to book (referred to in the paper as high book to market) value companies.
What he found was something that exceeded his most optimistic expectations.
Buying only those companies that scored highest (8 or 9) on his nine-point scale, or F-Score as he called it, over the 20 year period from 1976 to 1996 led to an average out-performance over the market of 13.4%.
Even more impressive were the results of a strategy of investing in the highest F-Score companies (8 or 9) and shorting companies with the lowest F-Score (0 or 1).
Over the same period from 1976 to 1996 (20 years) this strategy led to an average yearly return of 23%, substantially outperforming the average S&P 500 index return of 15.83% over the same period.
J Trust Co Piotroski F-Score Related Terms
J Trust Co Piotroski F-Score Historical Data
* Premium members only.
The historical data trend for J Trust Co's Piotroski F-Score 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.
TSE:8508 vs FRHC, VOYA: Piotroski F-Score Comparison
For the Financial Conglomerates subindustry, J Trust Co's Piotroski F-Score, along with its competitors' market caps and Piotroski F-Score 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 Piotroski F-Score vs Diversified Financial Services Industry
For the Diversified Financial Services industry and Financial Services sector, J Trust Co's Piotroski F-Score distribution charts can be found below:
* The bar in red indicates where J Trust Co's Piotroski F-Score falls into.
* 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.
*Note: If the latest quarterly/semi-annual/annual total assets data is 0, then we will use previous quarterly/semi-annual/annual data for all the items in the balance sheet.
Profitability
Question 1. Return on Assets (ROA)
Net income before extraordinary items for the year divided by Total Assets at the beginning of the year.
Score 1 if positive, 0 if negative.
J Trust Co's current Net Income (TTM) was 9,252.
==> Positive ==> Score 1.
Question 2. Cash Flow Return on Assets (CFROA)
Net cash flow from operating activities (operating cash flow) divided by Total Assets at the beginning of the year.
J Trust Co's return on assets of this year was 0.00726835. J Trust Co's return on assets of last year was 0.00368698.
==> This year is higher. ==> Score 1.
Question 4. Quality of Earnings (Accrual)
Compare Cash flow return on assets (2) to return on assets (1)
J Trust Co's current ratio of this year was 61.58147199. J Trust Co's current ratio of last year was 62.57899577.
==> Last year's current ratio is higher ==> Score 0.
Question 7. Change in Shares in Issue
Compare the number of shares in issue this year, to the number in issue last year.
Score 0 if there is larger number of shares in issue this year, 1 otherwise.
J Trust Co's number of shares in issue this year was 132.469. J Trust Co's number of shares in issue last year was 132.883.
==> There is smaller number of shares in issue this year, or the same. ==> Score 1.
Efficiency
Question 8. Change in Gross Margin
Compare this year's gross margin (Gross Profit divided by sales) to last year's.
Score 1 if this year's gross margin is higher, 0 if it's lower.
J Trust Co's gross margin of this year was 0.37546001. J Trust Co's gross margin of last year was 0.35654256.
==> This year's gross margin is higher. ==> Score 1.
Question 9. Change in asset turnover
Compare this year's asset turnover (total sales for the year divided by total assets at the beginning of the year) to last year's asset turnover ratio.
Score 1 if this year's asset turnover ratio is higher, 0 if it's lower
J Trust Co's asset turnover of this year was 0.07428927. J Trust Co's asset turnover of last year was 0.09222783.
==> Last year's asset turnover is higher ==> Score 0.
Evaluation
Piotroski F-Score
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Good or high score = 7, 8, 9
Bad or low score = 0, 1, 2, 3
J Trust Co has an F-score of 4 indicating the company's financial situation is typical for a stable company.
J Trust Co (TSE:8508) has a Piotroski F-Score of 4 as of Sep. 01, 2026. The Piotroski F-score grades a company's business operating strength from 0-9. View historical data on J Trust Co and its competitors. This is 20% below median its historical median of 5.00. Over the past decade, J Trust Co's Piotroski F-Score has ranged from 1.00 to 9.00. According to the industry distribution chart, J Trust Co ranks #91 out of 323 companies in the Diversified Financial Services industry, placing it in the top 28.2%.
Is J Trust Co's Piotroski F-Score too high?
J Trust Co's current Piotroski F-Score of 4 is 20% below median its 10-year median of 5.00. Over the past 10 years, this metric has ranged from a low of 1.00 to a high of 9.00. The Diversified Financial Services industry median Piotroski F-Score is 3.00. J Trust Co's value of 4 is 33.3% above this industry median. Based on the distribution chart, J Trust Co ranks #91 out of 323 companies in the Diversified Financial Services industry, which is above the industry midpoint. Overall, J Trust Co has a GF Score™ of 61/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does J Trust Co's Piotroski F-Score compare to FRHC and VOYA?
According to the Diversified Financial Services industry distribution chart, J Trust Co ranks #91 out of 323 companies for Piotroski F-Score. This puts J Trust Co in the upper half of its industry. The industry median Piotroski F-Score is 3.00. J Trust Co's value of 4 is 33.3% above this benchmark. Historically, J Trust Co's own Piotroski F-Score has ranged from 1.00 to 9.00 over the past decade. While the company's 10-year median is 5.00 vs. the industry median of 3.00, J Trust Co has consistently been above 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 Piotroski F-Score for a Diversified Financial Services company?
The median Piotroski F-Score among Diversified Financial Services companies is 3.00, based on 323 companies in the industry. Companies in the top quartile (top 25%) have a Piotroski F-Score significantly above this median, while those in the bottom quartile fall well below. However, Piotroski F-Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. J Trust Co's current Piotroski F-Score of 4 is 33.3% above 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 Piotroski F-Score mean?
A high Piotroski F-Score can signal that a stock is expensive relative to its fundamentals. The Piotroski F-score grades a company's business operating strength from 0-9. View historical data on J Trust Co and its competitors. For the Diversified Financial Services industry, the median Piotroski F-Score is 3.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. J Trust Co's current Piotroski F-Score is 4, which is 20% below median its own 10-year median of 5.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is J Trust Co stock overvalued right now?
Based on GuruFocus' analysis, J Trust Co (TSE:8508) is currently considered Significantly Overvalued. The stock's GF Value™ is 円395.90, compared to a current price of 円766.00 — trading 93.5% above its estimated fair value. The current Piotroski F-Score is 4, which is 20% below median its 10-year median of 5.00 and 33.3% above the Diversified Financial Services industry median of 3.00. J Trust Co's overall GF Score™ is 61/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Piotroski F-Score calculated?
Piotroski F-Score is calculated from a company's financial statements. For J Trust Co (TSE:8508), the current Piotroski F-Score is 4 as of Sep. 01, 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 J Trust Co (TSE:8508) Overvalued in 2026?
Based on GuruFocus' analysis, J Trust Co stock appears to be overvalued.
The current stock price of 円766.00 is trading 93.5% above its estimated GF Value™ of 円395.90.
GuruFocus considers J Trust Co to be Significantly Overvalued.
Key valuation signals for TSE:8508:
Piotroski F-Score: 4 (20% below median its 10-year median of 5.00)
GF Value™: 円395.90 vs. price of 円766.00 (93.5% above fair value)
Industry Position: 33.3% above the Diversified Financial Services median (#91 of 323)
No single metric tells the full story. See the TSE:8508 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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.
61GF Score
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