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Howa BankFSE:8559 +0.22%54 PS Ratio is 0.30 as of Jul. 18, 2026, which is 30% below its 10-year median of 0.43. GuruFocus rates FSE:8559 with a GF Score™ of 54/100 and a GF Value™ of 円531.12 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 1,517 Banks companies, Howa Bank ranks better than 98.95% on this metric.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. As of today, Howa Bank's share price is 円460.00.
Howa Bank's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 was 円1,553.28. Hence, Howa Bank's PS Ratio for today is 0.30.
Good Sign:
Howa Bank Ltd stock PS Ratio (=0.3) is close to 10-year low of 0.3.
The historical rank and industry rank for Howa Bank's PS Ratio or its related term are showing as below:
FSE:8559'
s PS Ratio Range Over the Past 10 Years
Min: 0.3 Med: 0.43 Max: 0.6
Current: 0.3
During the past 13 years, Howa Bank's highest PS Ratio was 0.60. The lowest was 0.30. And the median was 0.43.
FSE:8559's PS Ratio is ranked better than 98.95% of 1517
companies
in the Banks industry
Industry Median: 3.06
vs FSE:8559: 0.30
Howa Bank's Revenue per Sharefor the
six
months ended in Mar. 2026 was 円750.09.
Its Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 was 円1,553.28.
During the past 12 months, the average Revenue per Share Growth Rate of Howa Bank was 8.10% per year.
During the past 3 years, the average Revenue per Share Growth Rate was 3.80% per year.
During the past 5 years, the average Revenue per Share Growth Rate was 2.50% per year.
During the past 13 years, Howa Bank's highest 3-Year average Revenue per Share Growth Rate was 73.80% per year. The lowest was -7.90% per year. And the median was 1.15% per year.
Back to Basics: PS Ratio
Howa Bank (FSE:8559) PS Ratio Explanation
The PS Ratio is an excellent valuation indicator if you want to compare a stock with its historical valuation or with the stocks in the same industry. The PS Ratio works especially well when you want to compare the stock's current valuation with its historical valuation. The PS Ratio is a great valuation tool for evaluating cyclical businesses where the PE Ratio works poorly. It works the best when comparing the current valuation with the historical valuation because over time, a company's profit margin tends to revert to the mean.
When the PS Ratio is applied to the whole stock market, it can be used to evaluate the current market valuation and projected returns. In this case, the price is the total market cap of all stocks that are traded, and sales are the GDP of the country. This is how Warren Buffett estimates the broad market valuation and project future returns.
The PS Ratio does not tell you how cheap or expensive the stock is. It cannot be used to compare companies in different industries. It works better for companies within the same industry because these companies tend to have similar capital structures and profit margins. It works the best when comparing a company with itself in the past.
Howa Bank PS Ratio Related Terms
Howa Bank PS Ratio Historical Data
* Premium members only.
The historical data trend for Howa Bank's PS Ratio 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.
For the Banks - Regional subindustry, Howa Bank's PS Ratio, along with its competitors' market caps and PS 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.
Howa Bank PS Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Howa Bank's PS Ratio distribution charts can be found below:
* The bar in red indicates where Howa Bank's PS Ratio falls into.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. It is a ratio widely used to value stocks and it was first used by Ken Fisher.
Howa Bank's Share Price of today is 円460.00.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. Howa Bank's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 was 円1,553.28.
* 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:
Howa Bank (FSE:8559) has a PS Ratio of 0.30 as of Jul. 18, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Howa Bank and its competitors. This is 30% below median its historical median of 0.43. Over the past decade, Howa Bank's PS Ratio has ranged from 0.30 to 0.60. According to the industry distribution chart, Howa Bank ranks #16 out of 1517 companies in the Banks industry, placing it in the top 1.1%.
Is Howa Bank's PS Ratio too high?
Howa Bank's current PS Ratio of 0.30 is 30% below median its 10-year median of 0.43. Over the past 10 years, this metric has ranged from a low of 0.30 to a high of 0.60. The Banks industry median PS Ratio is 3.06. Howa Bank's value of 0.30 is 90.2% below this industry median. Based on the distribution chart, Howa Bank ranks #16 out of 1517 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Howa Bank has a GF Score™ of 54/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Howa Bank's PS Ratio compare to competitors?
According to the Banks industry distribution chart, Howa Bank ranks #16 out of 1517 companies for PS Ratio. This places Howa Bank in the top 1% of its industry — outperforming the majority of peers. The industry median PS Ratio is 3.06. Howa Bank's value of 0.30 is 90.2% below this benchmark. Historically, Howa Bank's own PS Ratio has ranged from 0.30 to 0.60 over the past decade. While the company's 10-year median is 0.43 vs. the industry median of 3.06, Howa Bank 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 PS Ratio for a Banks company?
The median PS Ratio among Banks companies is 3.06, based on 1,517 companies in the industry. Companies in the top quartile (top 25%) have a PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Howa Bank's current PS Ratio of 0.30 is 90.2% 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 PS Ratio mean?
A high PS Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Howa Bank and its competitors. For the Banks industry, the median PS Ratio is 3.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Howa Bank's current PS Ratio is 0.30, which is 30% below median its own 10-year median of 0.43. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Howa Bank stock overvalued right now?
Based on GuruFocus' analysis, Howa Bank (FSE:8559) is currently considered Modestly Undervalued. The stock's GF Value™ is 円531.12, compared to a current price of 円460.00 — trading 13.4% below its estimated fair value. The current PS Ratio is 0.30, which is 30% below median its 10-year median of 0.43 and 90.2% below the Banks industry median of 3.06. Howa Bank's overall GF Score™ is 54/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PS Ratio calculated?
PS Ratio is calculated from a company's financial statements. For Howa Bank (FSE:8559), the current PS Ratio is 0.30 as of Jul. 18, 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 Howa Bank (FSE:8559) Overvalued in 2026?
Based on GuruFocus' analysis, Howa Bank stock appears to be undervalued.
The current stock price of 円460.00 is trading 13.4% below its estimated GF Value™ of 円531.12.
GuruFocus considers Howa Bank to be Modestly Undervalued.
Key valuation signals for FSE:8559:
PS Ratio: 0.30 (30% below median its 10-year median of 0.43)
GF Value™: 円531.12 vs. price of 円460.00 (13.4% below fair value)
Industry Position: 90.2% below the Banks median (#16 of 1517)
No single metric tells the full story. See the FSE:8559 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Howa Bank Ltd is a Japan based regional bank. It provides banking products and services in Japan. Its deposit products include general account, saving account, current account, and property accumulation housing savings deposit. It offers housing loan, reform loan, card loan, free loan, education loan, auto loans and also provides insurance services.
54GF Score
Get the complete analysis for FSE:8559
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