Kyoto Financial Group (TSE:5844) Net Debt Paydown Yield % : 1.24% (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.
Reviewed by: Charlie Tian Charlie Tian
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.

TSE:5844 Kyoto Financial Group Inc TSE:5844
67 GF Score
Price 円4,936.00
GF Value 円5,903.23
Valuation Modestly Undervalued
! 5 Warning Signs
View Full Analysis

What is Kyoto Financial Group Net Debt Paydown Yield %?

Kyoto Financial Group TSE:5844 +1.48% 67 Net Debt Paydown Yield % is 1.24% as of Aug. 28, 2026. GuruFocus rates TSE:5844 with a GF Score™ of 67/100 and a GF Value™ of 円5,903.23 (Modestly Undervalued). The stock has 5 warning signs investors should review. Among 1,412 Banks companies, Kyoto Financial Group ranks better than 67.63% 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, Kyoto Financial Group's Net Debt Paydown Yield % was 1.24%.


Kyoto Financial Group  (TSE:5844) 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.

We calculating the TTM average debt by adding up the total debt, calculated by the sum of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation, in the trailing twelve months(TTM) divided by the counts of the total debt, accoring to the company's report frequency.


Kyoto Financial Group Net Debt Paydown Yield % Related Terms


Kyoto Financial Group Net Debt Paydown Yield % Historical Data

* Premium members only.

The historical data trend for Kyoto Financial Group'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.

Kyoto Financial Group Net Debt Paydown Yield % Chart

Kyoto Financial Group Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
Net Debt Paydown Yield %
Get a 7-Day Free Trial Premium Member Only Premium Member Only -200.60 257.00 20.01 -23.50 1.47

Kyoto Financial Group Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Net Debt Paydown Yield % 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 -14.91 -10.34 -10.42 1.47 0.00

Kyoto Financial Group Net Debt Paydown Yield % Competitor Comparison

For the Banks - Regional subindustry, Kyoto Financial Group'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.


Kyoto Financial Group Net Debt Paydown Yield % vs Banks Industry

For the Banks industry and Financial Services sector, Kyoto Financial Group's Net Debt Paydown Yield % distribution charts can be found below:

* The bar in red indicates where Kyoto Financial Group's Net Debt Paydown Yield % falls into.


TSE:5844
67GF Score
Kyoto Financial Group Inc TSE:5844
Net Debt Paydown Yield % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Kyoto Financial Group Net Debt Paydown Yield % Calculation

Kyoto Financial Group's Net Debt Paydown Yield % for the quarter that ended in Mar. 2026 is calculated as:

Net Debt Paydown Yield %
=( TTM Average Debt   (1-Year Ago))-TTM Average Debt )/Market Cap
=( 456774.25-393334.75 )/1153567.66
=5.5 %

* 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 1.24% mean?
Kyoto Financial Group (TSE:5844) has a Net Debt Paydown Yield % of 1.24% as of Aug. 28, 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 Kyoto Financial Group and its competitors. According to the industry distribution chart, Kyoto Financial Group ranks #457 out of 1412 companies in the Banks industry, placing it in the top 32.4%.
Is Kyoto Financial Group's Net Debt Paydown Yield % too high?
Kyoto Financial Group's current Net Debt Paydown Yield % is 1.24%. Based on the distribution chart, Kyoto Financial Group ranks #457 out of 1412 companies in the Banks industry, which is above the industry midpoint. Overall, Kyoto Financial Group has a GF Score™ of 67/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Kyoto Financial Group's Net Debt Paydown Yield % compare to competitors?
According to the Banks industry distribution chart, Kyoto Financial Group ranks #457 out of 1412 companies for Net Debt Paydown Yield %. This puts Kyoto Financial Group in the upper half of its industry. 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 Kyoto Financial Group and its competitors. Kyoto Financial Group's current Net Debt Paydown Yield % is 1.24%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Kyoto Financial Group stock overvalued right now?
Based on GuruFocus' analysis, Kyoto Financial Group (TSE:5844) is currently considered Modestly Undervalued. The stock's GF Value™ is 円5,903.23, compared to a current price of 円4,936.00 — trading 16.4% below its estimated fair value. The current Net Debt Paydown Yield % is 1.24%. Kyoto Financial Group's overall GF Score™ is 67/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Debt Paydown Yield % calculated?
Net Debt Paydown Yield % is calculated from a company's financial statements. For Kyoto Financial Group (TSE:5844), the current Net Debt Paydown Yield % is 1.24% as of Aug. 28, 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 Kyoto Financial Group (TSE:5844) Overvalued in 2026?

Based on GuruFocus' analysis, Kyoto Financial Group stock appears to be undervalued. The current stock price of 円4,936.00 is trading 16.4% below its estimated GF Value™ of 円5,903.23. GuruFocus considers Kyoto Financial Group to be Modestly Undervalued.

Key valuation signals for TSE:5844:

  • Net Debt Paydown Yield %: 1.24%
  • GF Value™: 円5,903.23 vs. price of 円4,936.00 (16.4% below fair value)
  • GF Score™: 67/100 with 5 warning signs

No single metric tells the full story. See the TSE:5844 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Kyoto Financial Group Business Description

Address 700 Yakushimaecho, Karasuma-dori Matsubaraagaru, Shimogyo-ku, Kyoto, JPN, 600-8652
Kyoto Financial Group Inc operates through its subsidiary Bank of Kyoto, which provides regional banking and other financial solutions. Its portfolio of offerings comprises savings accounts, investment trusts, deposits, mutual funds, credit and debit cards, and government bonds.
67GF Score

Get the complete analysis for TSE:5844

Net Debt Paydown Yield % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

円4,936.00
Price
円5,903.23
GF Value