Yamaguchi Financial GroupYFGSF 64 Net Margin % is 5.83% as of Mar. 2026, which is 64% below its 10-year median of 16.25. GuruFocus rates YFGSF with a GF Score™ of 64/100 and a GF Value™ of $4.58. The stock has 5 warning signs investors should review. Among 1,527 Banks companies, Yamaguchi Financial Group ranks worse than 79.5% on this metric.
The historical rank and industry rank for Yamaguchi Financial Group's Net Margin % or its related term are showing as below:
YFGSF'
s Net Margin % Range Over the Past 10 Years
Min: -9.85 Med: 16.25 Max: 22.8
Current: 15.94
YFGSF's Net Margin % is ranked worse than 79.5% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs YFGSF: 15.94
Yamaguchi Financial Group (OTCPK:YFGSF) 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.
Yamaguchi Financial Group Net Margin % Related Terms
Yamaguchi Financial Group Net Margin % Historical Data
* 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.
Yamaguchi Financial Group Net Margin % Competitor Comparison
For the Banks - Regional subindustry, Yamaguchi 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.
Yamaguchi Financial Group Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Yamaguchi Financial Group's Net Margin % distribution charts can be found below:
* The bar in red indicates where Yamaguchi 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.
Yamaguchi Financial Group (YFGSF) has a Net Margin % of 5.83% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Yamaguchi Financial Group and its competitors. This is 64% below median its historical median of 16.25. According to the industry distribution chart, Yamaguchi Financial Group ranks #1214 out of 1527 companies in the Banks industry, placing it in the top 79.5%.
Is Yamaguchi Financial Group's Net Margin % too high?
Yamaguchi Financial Group's current Net Margin % of 5.83% is 64% below median its 10-year median of 16.25. The Banks industry median Net Margin % is 26.95. Yamaguchi Financial Group's value of 5.83% is 78.4% below this industry median. Based on the distribution chart, Yamaguchi Financial Group ranks #1214 out of 1527 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Yamaguchi Financial Group has a GF Score™ of 64/100, reflecting its overall financial health beyond just this single metric.
How does Yamaguchi Financial Group's Net Margin % compare to competitors?
According to the Banks industry distribution chart, Yamaguchi Financial Group ranks #1214 out of 1527 companies for Net Margin %. This places Yamaguchi Financial Group in the lower half of its industry. The industry median Net Margin % is 26.95. Yamaguchi Financial Group's value of 5.83% is 78.4% below this benchmark. While the company's 10-year median is 16.25 vs. the industry median of 26.95, Yamaguchi Financial Group has consistently been below 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 26.95, based on 1,527 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. Yamaguchi Financial Group's current Net Margin % of 5.83% is 78.4% below 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 Yamaguchi Financial Group and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Yamaguchi Financial Group's current Net Margin % is 5.83%, which is 64% below median its own 10-year median of 16.25. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Yamaguchi Financial Group stock overvalued right now?
Yamaguchi Financial Group (YFGSF) has a current Net Margin % of 5.83%. The stock's GF Value™ is $4.58, compared to a current price of $5.62 — trading 22.7% above its estimated fair value. The current Net Margin % is 5.83%, which is 64% below median its 10-year median of 16.25 and 78.4% below the Banks industry median of 26.95. Yamaguchi Financial Group's overall GF Score™ is 64/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Yamaguchi Financial Group (YFGSF), the current Net Margin % is 5.83% 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 Yamaguchi Financial Group (YFGSF) Overvalued in 2026?
Based on GuruFocus' analysis, Yamaguchi Financial Group stock appears to be overvalued.
The current stock price of $5.62 is trading 22.7% above its estimated GF Value™ of $4.58.
Key valuation signals for YFGSF:
Net Margin %: 5.83% (64% below median its 10-year median of 16.25)
GF Value™: $4.58 vs. price of $5.62 (22.7% above fair value)
Industry Position: 78.4% below the Banks median (#1214 of 1527)
No single metric tells the full story. See the YFGSF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Yamaguchi Financial Group Inc is a Japan-based holding company that is principally engaged in providing financial products and services, such as deposits, loans, leasing, foreign exchange transactions, securities business, credit card business, and others. The company operates through a number of subsidiaries, such as Yamaguchi Bank, Momiji Bank, Kitakyushu Bank, and YM Securities. The company's business operations are concentrated within a branch network in Japan, and the firm generates the majority of its income from the domestic market. The company also has a business presence in overseas markets, such as mainland China and Hong Kong.
64GF Score
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Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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