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Net Charge Offs to Average Loans % is the net charge-offs divided by the average total loans during a specific period. This ratio measures the proportion of debt owed to a company that is unlikely to be recovered. A higher ratio means there’s more bad debt that is unlikely to be collected, which leads investors to believe it has a very risky portfolio.
The historical rank and industry rank for Mizuho Financial Group's Net Charge Offs to Average Loans % or its related term are showing as below:
MZHOF's Net Charge Offs to Average Loans % is not ranked *
in the Banks industry.
Industry Median: * Ranked among companies with meaningful Net Charge Offs to Average Loans % only.
Mizuho Financial Group (OTCPK:MZHOF) Net Charge Offs to Average Loans % Explanation
A Net Charge-off (NCO) is the dollar amount representing the difference between gross charge-offs and any subsequent recoveries of delinquent debt. The bad debt often needs to be written off and classified as gross charge-off. If any money is recovered from that debt, the recovered amount needs to be subtracted from gross charge-off, which is how we get the net charge-off.
Net Charge Offs to Average Loans % represents the amount of debt that a company believes it will never collect and is an indicator of a financial institution's loan portfolio performance. A higher ratio, especially when compared to the previous period or to other banks, would suggest that there’s more bad debt that is unlikely to be collected and the loan portfolio may be too risky.
Mizuho Financial Group Net Charge Offs to Average Loans % Related Terms
Mizuho Financial Group Net Charge Offs to Average Loans % Historical Data
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The historical data trend for Mizuho Financial Group's Net Charge Offs to Average Loans % 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.
Mizuho Financial Group Net Charge Offs to Average Loans % Chart
Mizuho Financial Group (OTCPK:MZHOF) Net Charge Offs to Average Loans % Calculation
Net Charge Offs to Average Loans % is calculated as
Net Charge Offs to Average Loans %
=
Net Charge-offs
/
Average Total Loans
* 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.
Frequently Asked Questions
What does a Net Charge Offs to Average Loans % of 0.00% mean?
Mizuho Financial Group (MZHOF) has a Net Charge Offs to Average Loans % of 0.00% as of . 20. Net Charge Offs Average Loans is the net charge-offs divided by the average total loans during a specific period. View historical data on Mizuho Financial Group and its competitors.
Is Mizuho Financial Group's Net Charge Offs to Average Loans % too high?
Mizuho Financial Group's current Net Charge Offs to Average Loans % is 0.00%. Overall, Mizuho Financial Group has a GF Score™ of 61/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Mizuho Financial Group's Net Charge Offs to Average Loans % compare to competitors?
Mizuho Financial Group's Net Charge Offs to Average Loans % of 0.00% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Charge Offs to Average Loans % for a Banks company?
A good Net Charge Offs to Average Loans % depends on the Banks industry context. However, Net Charge Offs to Average Loans % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Charge Offs to Average Loans % mean?
A high Net Charge Offs to Average Loans % can signal that a stock is expensive relative to its fundamentals. Net Charge Offs Average Loans is the net charge-offs divided by the average total loans during a specific period. View historical data on Mizuho Financial Group and its competitors. Mizuho Financial Group's current Net Charge Offs to Average Loans % is 0.00%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Mizuho Financial Group stock overvalued right now?
Based on GuruFocus' analysis, Mizuho Financial Group (MZHOF) is currently considered Significantly Overvalued. The stock's GF Value™ is $29.67, compared to a current price of $55.00 — trading 85.4% above its estimated fair value. The current Net Charge Offs to Average Loans % is 0.00%. Mizuho Financial Group's overall GF Score™ is 61/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Charge Offs to Average Loans % calculated?
Net Charge Offs to Average Loans % is calculated from a company's financial statements. For Mizuho Financial Group (MZHOF), the current Net Charge Offs to Average Loans % is 0.00% as of . 20. 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 Mizuho Financial Group (MZHOF) Overvalued in 2026?
Based on GuruFocus' analysis, Mizuho Financial Group stock appears to be overvalued.
The current stock price of $55.00 is trading 85.4% above its estimated GF Value™ of $29.67.
GuruFocus considers Mizuho Financial Group to be Significantly Overvalued.
Key valuation signals for MZHOF:
Net Charge Offs to Average Loans %: 0.00%
GF Value™: $29.67 vs. price of $55.00 (85.4% above fair value)
No single metric tells the full story. See the MZHOF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Mizuho Financial Group is roughly tied with megabank peer Sumitomo Mitsui Financial Group for the status as Japan's second-largest bank after Mitsubishi UFJ Financial Group. In Japan, Mizuho has more of a corporate focus than SMFG, which has a larger retail business. Its overseas weighting is slightly smaller than that of MUFG. Unlike its two Japanese megabank peers, which own foreign banks outright or hold noncontrolling stakes in local banks overseas, Mizuho expanded in recent years beyond its traditional Japanese borrowers, mainly through its core banking and securities units, focusing on the financing needs of global multinational corporations.
61GF Score
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