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Kyoto Financial GroupTSE:5844 +0.86%60 Net Margin % is 29.89% as of Mar. 2026, which is 32% above its 10-year median of 22.72. GuruFocus rates TSE:5844 with a GF Score™ of 60/100 and a GF Value™ of 円5,864.47 (Modestly Undervalued). The stock has 6 warning signs investors should review. Among 1,530 Banks companies, Kyoto Financial Group ranks better than 63.14% on this metric.
The historical rank and industry rank for Kyoto Financial Group's Net Margin % or its related term are showing as below:
TSE:5844'
s Net Margin % Range Over the Past 10 Years
Min: 17.19 Med: 22.72 Max: 30.63
Current: 30.63
TSE:5844's Net Margin % is ranked better than 63.14% of 1530
companies
in the Banks industry
Industry Median: 26.845
vs TSE:5844: 30.63
Kyoto Financial Group (TSE:5844) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Kyoto Financial Group Net Margin % Related Terms
Kyoto Financial Group Net Margin % Historical Data
* Premium members only.
The historical data trend for Kyoto Financial Group's Net Margin % 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 Margin % Competitor Comparison
For the Banks - Regional subindustry, Kyoto Financial Group's Net Margin %, along with its competitors' market caps and Net Margin % 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 Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Kyoto Financial Group's Net Margin % distribution charts can be found below:
* The bar in red indicates where Kyoto Financial Group's Net Margin % 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.
Kyoto Financial Group (TSE:5844) has a Net Margin % of 29.89% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Kyoto Financial Group and its competitors. This is 32% above median its historical median of 22.72. Over the past decade, Kyoto Financial Group's Net Margin % has ranged from 17.19 to 30.63. According to the industry distribution chart, Kyoto Financial Group ranks #564 out of 1530 companies in the Banks industry, placing it in the top 36.9%.
Is Kyoto Financial Group's Net Margin % too high?
Kyoto Financial Group's current Net Margin % of 29.89% is 32% above median its 10-year median of 22.72. Over the past 10 years, this metric has ranged from a low of 17.19 to a high of 30.63. The Banks industry median Net Margin % is 26.85. Kyoto Financial Group's value of 29.89% is 11.3% above this industry median. Based on the distribution chart, Kyoto Financial Group ranks #564 out of 1530 companies in the Banks industry, which is above the industry midpoint. Overall, Kyoto Financial Group has a GF Score™ of 60/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Kyoto Financial Group's Net Margin % compare to competitors?
According to the Banks industry distribution chart, Kyoto Financial Group ranks #564 out of 1530 companies for Net Margin %. This puts Kyoto Financial Group in the upper half of its industry. The industry median Net Margin % is 26.85. Kyoto Financial Group's value of 29.89% is 11.3% above this benchmark. Historically, Kyoto Financial Group's own Net Margin % has ranged from 17.19 to 30.63 over the past decade. While the company's 10-year median is 22.72 vs. the industry median of 26.85, Kyoto Financial Group 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.85, based on 1,530 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Kyoto Financial Group's current Net Margin % of 29.89% is 11.3% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Kyoto Financial Group and its competitors. For the Banks industry, the median Net Margin % is 26.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Kyoto Financial Group's current Net Margin % is 29.89%, which is 32% above median its own 10-year median of 22.72. 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5,864.47, compared to a current price of 円4,700.00 — trading 19.9% below its estimated fair value. The current Net Margin % is 29.89%, which is 32% above median its 10-year median of 22.72 and 11.3% above the Banks industry median of 26.85. Kyoto Financial Group's overall GF Score™ is 60/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Kyoto Financial Group (TSE:5844), the current Net Margin % is 29.89% as of Mar. 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4,700.00 is trading 19.9% below its estimated GF Value™ of 円5,864.47.
GuruFocus considers Kyoto Financial Group to be Modestly Undervalued.
Key valuation signals for TSE:5844:
Net Margin %: 29.89% (32% above median its 10-year median of 22.72)
GF Value™: 円5,864.47 vs. price of 円4,700.00 (19.9% below fair value)
Industry Position: 11.3% above the Banks median (#564 of 1530)
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 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.
60GF Score
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