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Kyoto Financial GroupTSE:5844 +1.48%67 Return-on-Tangible-Asset is 1.93% as of Mar. 2026, which is 739% above its 10-year median of 0.23. GuruFocus rates TSE:5844 with a GF Score™ of 67/100 and a GF Value™ of 円5,903.23 (Modestly Undervalued). The stock has 5 warning signs investors should review. Among 1,522 Banks companies, Kyoto Financial Group ranks worse than 60.05% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. Kyoto Financial Group's annualizedNet Income for the quarter that ended in Mar. 2026 was 円230,180 Mil. Kyoto Financial Group's average total tangible assets for the quarter that ended in Mar. 2026 was 円11,910,144 Mil. Therefore, Kyoto Financial Group's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was 1.93%.
The historical rank and industry rank for Kyoto Financial Group's Return-on-Tangible-Asset or its related term are showing as below:
TSE:5844'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.15 Med: 0.23 Max: 0.87
Current: 0.87
During the past 13 years, Kyoto Financial Group's highest Return-on-Tangible-Asset was 0.87%. The lowest was 0.15%. And the median was 0.23%.
TSE:5844's Return-on-Tangible-Asset is ranked worse than 60.05% of 1522
companies
in the Banks industry
Industry Median: 1.03
vs TSE:5844: 0.87
Kyoto Financial Group (TSE:5844) Return-on-Tangible-Asset Explanation
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Kyoto Financial Group Return-on-Tangible-Asset Related Terms
Kyoto Financial Group Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for Kyoto Financial Group's Return-on-Tangible-Asset 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 Return-on-Tangible-Asset Chart
Kyoto Financial Group Return-on-Tangible-Asset Competitor Comparison
For the Banks - Regional subindustry, Kyoto Financial Group's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Kyoto Financial Group's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Kyoto Financial Group's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
What does a Return-on-Tangible-Asset of 1.93% mean?
Kyoto Financial Group (TSE:5844) has a Return-on-Tangible-Asset of 1.93% as of Mar. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Kyoto Financial Group and its competitors. This is 739% above median its historical median of 0.23. Over the past decade, Kyoto Financial Group's Return-on-Tangible-Asset has ranged from 0.15 to 0.87. According to the industry distribution chart, Kyoto Financial Group ranks #914 out of 1522 companies in the Banks industry, placing it in the top 60.1%.
Is Kyoto Financial Group's Return-on-Tangible-Asset too high?
Kyoto Financial Group's current Return-on-Tangible-Asset of 1.93% is 739% above median its 10-year median of 0.23. Over the past 10 years, this metric has ranged from a low of 0.15 to a high of 0.87. The Banks industry median Return-on-Tangible-Asset is 1.03. Kyoto Financial Group's value of 1.93% is 87.4% above this industry median. Based on the distribution chart, Kyoto Financial Group ranks #914 out of 1522 companies in the Banks industry, which is below the industry midpoint. Overall, Kyoto Financial Group has a GF Score™ of 67/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Kyoto Financial Group's Return-on-Tangible-Asset compare to competitors?
According to the Banks industry distribution chart, Kyoto Financial Group ranks #914 out of 1522 companies for Return-on-Tangible-Asset. This places Kyoto Financial Group in the lower half of its industry. The industry median Return-on-Tangible-Asset is 1.03. Kyoto Financial Group's value of 1.93% is 87.4% above this benchmark. Historically, Kyoto Financial Group's own Return-on-Tangible-Asset has ranged from 0.15 to 0.87 over the past decade. While the company's 10-year median is 0.23 vs. the industry median of 1.03, 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 Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 1.03, based on 1,522 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Kyoto Financial Group's current Return-on-Tangible-Asset of 1.93% is 87.4% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Kyoto Financial Group and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 1.03 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Kyoto Financial Group's current Return-on-Tangible-Asset is 1.93%, which is 739% above median its own 10-year median of 0.23. 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5,903.23, compared to a current price of 円4,936.00 — trading 16.4% below its estimated fair value. The current Return-on-Tangible-Asset is 1.93%, which is 739% above median its 10-year median of 0.23 and 87.4% above the Banks industry median of 1.03. Kyoto Financial Group's overall GF Score™ is 67/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Kyoto Financial Group (TSE:5844), the current Return-on-Tangible-Asset is 1.93% 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4,936.00 is trading 16.4% below its estimated GF Value™ of 円5,903.23.
GuruFocus considers Kyoto Financial Group to be Modestly Undervalued.
Key valuation signals for TSE:5844:
Return-on-Tangible-Asset: 1.93% (739% above median its 10-year median of 0.23)
GF Value™: 円5,903.23 vs. price of 円4,936.00 (16.4% below fair value)
Industry Position: 87.4% above the Banks median (#914 of 1522)
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.
67GF Score
Get the complete analysis for TSE:5844
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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