Mitsubishi HC CapitalMIUFF 83 PB Ratio is 0.86 as of Jun. 25, 2026, which is 13% above its 10-year median of 0.76. GuruFocus rates MIUFF with a GF Score™ of 83/100 and a GF Value™ of $6.78. The stock has 3 warning signs investors should review. Among 523 Credit Services companies, Mitsubishi HC Capital ranks better than 55.45% on this metric.
Mitsubishi HC Capital Inc stock PB Ratio (=0.93) is close to 1-year low of 0.85.
The historical rank and industry rank for Mitsubishi HC Capital's PB Ratio or its related term are showing as below:
MIUFF'
s PB Ratio Range Over the Past 10 Years
Min: 0.5 Med: 0.76 Max: 1.13
Current: 0.93
During the past 13 years, Mitsubishi HC Capital's highest PB Ratio was 1.13. The lowest was 0.50. And the median was 0.76.
MIUFF's PB Ratio is ranked better than 55.45% of 523
companies
in the Credit Services industry
Industry Median: 1.06
vs MIUFF: 0.93
During the past 12 months, Mitsubishi HC Capital's average Book Value Per Share Growth Rate was 11.10% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 9.10% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 9.50% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 6.80% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Mitsubishi HC Capital was 42.50% per year. The lowest was 2.50% per year. And the median was 8.70% per year.
Back to Basics: PB Ratio
Mitsubishi HC Capital (OTCPK:MIUFF) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
* 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.
For the Credit Services subindustry, Mitsubishi HC Capital's PB Ratio, along with its competitors' market caps and PB Ratio 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.
Mitsubishi HC Capital PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Mitsubishi HC Capital's PB Ratio distribution charts can be found below:
* The bar in red indicates where Mitsubishi HC Capital's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Mitsubishi HC Capital (MIUFF) has a PB Ratio of 0.86 as of Jun. 25, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Mitsubishi HC Capital and its competitors. This is 13% above median its historical median of 0.76. Over the past decade, Mitsubishi HC Capital's PB Ratio has ranged from 0.50 to 1.13. According to the industry distribution chart, Mitsubishi HC Capital ranks #233 out of 523 companies in the Credit Services industry, placing it in the top 44.6%.
Is Mitsubishi HC Capital's PB Ratio too high?
Mitsubishi HC Capital's current PB Ratio of 0.86 is 13% above median its 10-year median of 0.76. Over the past 10 years, this metric has ranged from a low of 0.50 to a high of 1.13. The Credit Services industry median PB Ratio is 1.06. Mitsubishi HC Capital's value of 0.86 is 18.9% below this industry median. Based on the distribution chart, Mitsubishi HC Capital ranks #233 out of 523 companies in the Credit Services industry, which is above the industry midpoint. Overall, Mitsubishi HC Capital has a GF Score™ of 83/100, reflecting its overall financial health beyond just this single metric.
How does Mitsubishi HC Capital's PB Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Mitsubishi HC Capital ranks #233 out of 523 companies for PB Ratio. This puts Mitsubishi HC Capital in the upper half of its industry. The industry median PB Ratio is 1.06. Mitsubishi HC Capital's value of 0.86 is 18.9% below this benchmark. Historically, Mitsubishi HC Capital's own PB Ratio has ranged from 0.50 to 1.13 over the past decade. While the company's 10-year median is 0.76 vs. the industry median of 1.06, Mitsubishi HC Capital 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 PB Ratio for a Credit Services company?
The median PB Ratio among Credit Services companies is 1.06, based on 523 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Mitsubishi HC Capital's current PB Ratio of 0.86 is 18.9% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Mitsubishi HC Capital and its competitors. For the Credit Services industry, the median PB Ratio is 1.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Mitsubishi HC Capital's current PB Ratio is 0.86, which is 13% above median its own 10-year median of 0.76. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Mitsubishi HC Capital stock overvalued right now?
Mitsubishi HC Capital (MIUFF) has a current PB Ratio of 0.86. The stock's GF Value™ is $6.78, compared to a current price of $7.50 — trading 10.6% above its estimated fair value. The current PB Ratio is 0.86, which is 13% above median its 10-year median of 0.76 and 18.9% below the Credit Services industry median of 1.06. Mitsubishi HC Capital's overall GF Score™ is 83/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Mitsubishi HC Capital (MIUFF), the current PB Ratio is 0.86 as of Jun. 25, 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 Mitsubishi HC Capital (MIUFF) Overvalued in 2026?
Based on GuruFocus' analysis, Mitsubishi HC Capital stock appears to be overvalued.
The current stock price of $7.50 is trading 10.6% above its estimated GF Value™ of $6.78.
Key valuation signals for MIUFF:
PB Ratio: 0.86 (13% above median its 10-year median of 0.76)
GF Value™: $6.78 vs. price of $7.50 (10.6% above fair value)
Industry Position: 18.9% below the Credit Services median (#233 of 523)
No single metric tells the full story. See the MIUFF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Mitsubishi HC Capital Inc is a Japan-based company engaged in providing comprehensive financial services. The company operates through several reportable segments, including Customer Solution, Overseas Region, Environmental Energy, Aviation, Logistics, Real Estate, and Mobility. Its businesses include finance solutions for corporations and government agencies, energy-saving and vendor finance, renewable energy and environmental finance, aircraft and engine leasing, marine container and railway freight car leasing, real estate finance and investment, and automobile leasing and related services. It generates the majority of its revenue from the Customer Solutions segment.
83GF Score
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