T.O. Holdings Co (SSE:9812) Net Interest Margin (Bank Only) %

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.

SSE:9812 T.O. Holdings Co Ltd SSE:9812
46 GF Score
Price 円228.00
GF Value 円292.04
Valuation Modestly Undervalued
! 4 Warning Signs
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What is T.O. Holdings Co Net Interest Margin (Bank Only) %?

Net Interest Margin (Bank Only) % only applies to banks.

SSE:9812
46GF Score
T.O. Holdings Co Ltd SSE:9812
Net Interest Margin (Bank Only) % is just one metric. See GF Score™, valuation, warning signs, and more.
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Is T.O. Holdings Co (SSE:9812) Overvalued in 2026?

Based on GuruFocus' analysis, T.O. Holdings Co stock appears to be undervalued. The current stock price of 円228.00 is trading 21.9% below its estimated GF Value™ of 円292.04. GuruFocus considers T.O. Holdings Co to be Modestly Undervalued.

Key valuation signals for SSE:9812:

  • Net Interest Margin (Bank Only) %:
  • GF Value™: 円292.04 vs. price of 円228.00 (21.9% below fair value)
  • GF Score™: 46/100 with 4 warning signs

No single metric tells the full story. See the SSE:9812 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


T.O. Holdings Co Business Description

Comparable Companies
Other Exchanges 9812:Japan
Address 3 - chome 18-15, Hokkaido Minato-cho, Hakodate, JPN, 041-8610
T.O. Holdings Co Ltd is engaged in the sale of timbers, clothing, wood materials, furniture and electrical appliances. Its segments include Lumber, Distribution, Housing, Construction, Real Estate Leasing, Automobile and Services.
46GF Score

Get the complete analysis for SSE:9812

Net Interest Margin (Bank Only) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

円228.00
Price
円292.04
GF Value