San Jun Financial GroupTSE:7322 +4.27%47 PB Ratio is 0.84 as of Jul. 09, 2026, which is 342% above its 10-year median of 0.19. GuruFocus rates TSE:7322 with a GF Score™ of 47/100 and a GF Value™ of 円701.32 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,516 Banks companies, San Jun Financial Group ranks better than 71.9% on this metric.
San Ju San Financial Group Inc stock PB Ratio (=0.82) is close to 10-year high of 0.82.
The historical rank and industry rank for San Jun Financial Group's PB Ratio or its related term are showing as below:
TSE:7322'
s PB Ratio Range Over the Past 10 Years
Min: 0.12 Med: 0.19 Max: 0.83
Current: 0.83
During the past 8 years, San Jun Financial Group's highest PB Ratio was 0.83. The lowest was 0.12. And the median was 0.19.
TSE:7322's PB Ratio is ranked better than 71.9% of 1516
companies
in the Banks industry
Industry Median: 1.09
vs TSE:7322: 0.83
During the past 12 months, San Jun Financial Group's average Book Value Per Share Growth Rate was 12.30% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 5.90% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was -1.10% per year.
During the past 8 years, the highest 3-Year average Book Value Per Share Growth Rate of San Jun Financial Group was 5.90% per year. The lowest was -5.00% per year. And the median was -3.50% per year.
Back to Basics: PB Ratio
San Jun Financial Group (TSE:7322) 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.
San Jun Financial Group PB Ratio Competitor Comparison
For the Banks - Regional subindustry, San Jun Financial Group'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.
San Jun Financial Group PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, San Jun Financial Group's PB Ratio distribution charts can be found below:
* The bar in red indicates where San Jun Financial Group'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.
San Jun Financial Group (TSE:7322) has a PB Ratio of 0.84 as of Jul. 09, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on San Jun Financial Group and its competitors. This is 342% above median its historical median of 0.19. Over the past decade, San Jun Financial Group's PB Ratio has ranged from 0.12 to 0.83. According to the industry distribution chart, San Jun Financial Group ranks #426 out of 1516 companies in the Banks industry, placing it in the top 28.1%.
Is San Jun Financial Group's PB Ratio too high?
San Jun Financial Group's current PB Ratio of 0.84 is 342% above median its 10-year median of 0.19. Over the past 10 years, this metric has ranged from a low of 0.12 to a high of 0.83. The Banks industry median PB Ratio is 1.09. San Jun Financial Group's value of 0.84 is 22.9% below this industry median. Based on the distribution chart, San Jun Financial Group ranks #426 out of 1516 companies in the Banks industry, which is above the industry midpoint. Overall, San Jun Financial Group has a GF Score™ of 47/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does San Jun Financial Group's PB Ratio compare to competitors?
According to the Banks industry distribution chart, San Jun Financial Group ranks #426 out of 1516 companies for PB Ratio. This puts San Jun Financial Group in the upper half of its industry. The industry median PB Ratio is 1.09. San Jun Financial Group's value of 0.84 is 22.9% below this benchmark. Historically, San Jun Financial Group's own PB Ratio has ranged from 0.12 to 0.83 over the past decade. While the company's 10-year median is 0.19 vs. the industry median of 1.09, San Jun 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.09, based on 1,516 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. San Jun Financial Group's current PB Ratio of 0.84 is 22.9% 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 San Jun Financial Group and its competitors. For the Banks industry, the median PB Ratio is 1.09 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. San Jun Financial Group's current PB Ratio is 0.84, which is 342% above median its own 10-year median of 0.19. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is San Jun Financial Group stock overvalued right now?
Based on GuruFocus' analysis, San Jun Financial Group (TSE:7322) is currently considered Significantly Overvalued. The stock's GF Value™ is 円701.32, compared to a current price of 円1,856.00 — trading 164.6% above its estimated fair value. The current PB Ratio is 0.84, which is 342% above median its 10-year median of 0.19 and 22.9% below the Banks industry median of 1.09. San Jun Financial Group's overall GF Score™ is 47/100 with 6 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 San Jun Financial Group (TSE:7322), the current PB Ratio is 0.84 as of Jul. 09, 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 San Jun Financial Group (TSE:7322) Overvalued in 2026?
Based on GuruFocus' analysis, San Jun Financial Group stock appears to be overvalued.
The current stock price of 円1,856.00 is trading 164.6% above its estimated GF Value™ of 円701.32.
GuruFocus considers San Jun Financial Group to be Significantly Overvalued.
Key valuation signals for TSE:7322:
PB Ratio: 0.84 (342% above median its 10-year median of 0.19)
GF Value™: 円701.32 vs. price of 円1,856.00 (164.6% above fair value)
Industry Position: 22.9% below the Banks median (#426 of 1516)
No single metric tells the full story. See the TSE:7322 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
San Ju San Financial Group Inc is engaged in providing financial services. The business of the company includes management of banks and companies that are permitted to be owned by the company as subsidiaries.
47GF Score
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