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Howa BankFSE:8559 -0.21%55 Net Debt Paydown Yield % is 9.87% as of Aug. 14, 2026, which is 3% above its 10-year median of 9.57. GuruFocus rates FSE:8559 with a GF Score™ of 55/100 and a GF Value™ of 円533.70 (Fairly Valued). Among 1,416 Banks companies, Howa Bank ranks better than 83.83% on this metric.
Net Debt Paydown Yield % is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. It is a measure of a company's willingness and ability to reduce its debt.
As of today, Howa Bank's Net Debt Paydown Yield % was 9.87%.
Howa Bank (FSE:8559) Net Debt Paydown Yield % Explanation
Net Debt Paydown Yield % is the change in average of four quarters of company's total debt over a company's market cap. Assuming the total value of a company remains that same, shareholder value is increased as debt is reduced. In other words, it is a measure of the willingness and ability of a firm's management to pay down debt. Companies that have high debt paydown yields indicate that they are more aggressive with paying down debt.
In the calculation of Net Debt Paydown Yield %, we use the reductions of TTM average total debt one-year-ago and TTM average total debt at present, divided by its Market Cap.
Howa Bank Net Debt Paydown Yield % Historical Data
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The historical data trend for Howa Bank's Net Debt Paydown Yield % 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 Net Debt Paydown Yield % Competitor Comparison
For the Banks - Regional subindustry, Howa Bank's Net Debt Paydown Yield %, along with its competitors' market caps and Net Debt Paydown Yield % 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 Net Debt Paydown Yield % vs Banks Industry
For the Banks industry and Financial Services sector, Howa Bank's Net Debt Paydown Yield % distribution charts can be found below:
* The bar in red indicates where Howa Bank's Net Debt Paydown Yield % 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.
* All the data are calculated by TTM values. Note that if a companies is traded in several exchanges, then we calculate the company level data for Net Debt Paydown Yield % using the primary share class stock data. The calculation result in definition page is for demonstration purpose only, and it's showing the share class level data. Therefore, the numbers in the calculation may differ from elsewhere if the stock is not a primary share.
What does a Net Debt Paydown Yield % of 9.87% mean?
Howa Bank (FSE:8559) has a Net Debt Paydown Yield % of 9.87% as of Aug. 14, 2026. Net Debt Paydown Yield is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. This metric provides insight into a company's willingness and ability to reduce its debt using free cash flow. View historical data on Howa Bank and its competitors. This is near median its historical median of 9.57. According to the industry distribution chart, Howa Bank ranks #229 out of 1416 companies in the Banks industry, placing it in the top 16.2%.
Is Howa Bank's Net Debt Paydown Yield % too high?
Howa Bank's current Net Debt Paydown Yield % of 9.87% is near median its 10-year median of 9.57. Based on the distribution chart, Howa Bank ranks #229 out of 1416 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Howa Bank has a GF Score™ of 55/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Howa Bank's Net Debt Paydown Yield % compare to competitors?
According to the Banks industry distribution chart, Howa Bank ranks #229 out of 1416 companies for Net Debt Paydown Yield %. This places Howa Bank in the top 16% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Debt Paydown Yield % for a Banks company?
A good Net Debt Paydown Yield % depends on the Banks industry context. However, Net Debt Paydown Yield % 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 Debt Paydown Yield % mean?
A high Net Debt Paydown Yield % can signal that a stock is expensive relative to its fundamentals. Net Debt Paydown Yield is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. This metric provides insight into a company's willingness and ability to reduce its debt using free cash flow. View historical data on Howa Bank and its competitors. Howa Bank's current Net Debt Paydown Yield % is 9.87%, which is near median its own 10-year median of 9.57. 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 Fairly Valued. The stock's GF Value™ is 円533.70, compared to a current price of 円486.00 — trading 8.9% below its estimated fair value. The current Net Debt Paydown Yield % is 9.87%, which is near median its 10-year median of 9.57. Howa Bank's overall GF Score™ is 55/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Debt Paydown Yield % calculated?
Net Debt Paydown Yield % is calculated from a company's financial statements. For Howa Bank (FSE:8559), the current Net Debt Paydown Yield % is 9.87% as of Aug. 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486.00 is trading 8.9% below its estimated GF Value™ of 円533.70.
GuruFocus considers Howa Bank to be Fairly Valued.
Key valuation signals for FSE:8559:
Net Debt Paydown Yield %: 9.87% (near median its 10-year median of 9.57)
GF Value™: 円533.70 vs. price of 円486.00 (8.9% below fair value)
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.
55GF Score
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