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San Jun Financial GroupTSE:7322 +3.31%43 Return-on-Tangible-Asset is 0.24% as of Mar. 2026, which is 60% above its 10-year median of 0.15. GuruFocus rates TSE:7322 with a GF Score™ of 43/100 and a GF Value™ of 円710.67 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,529 Banks companies, San Jun Financial Group ranks worse than 88.42% 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. San Jun Financial Group's annualizedNet Income for the quarter that ended in Mar. 2026 was 円10,804 Mil. San Jun Financial Group's average total tangible assets for the quarter that ended in Mar. 2026 was 円4,572,975 Mil. Therefore, San Jun Financial Group's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was 0.24%.
The historical rank and industry rank for San Jun Financial Group's Return-on-Tangible-Asset or its related term are showing as below:
TSE:7322'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.1 Med: 0.15 Max: 1.29
Current: 0.26
During the past 8 years, San Jun Financial Group's highest Return-on-Tangible-Asset was 1.29%. The lowest was 0.10%. And the median was 0.15%.
TSE:7322's Return-on-Tangible-Asset is ranked worse than 88.42% of 1529
companies
in the Banks industry
Industry Median: 1.01
vs TSE:7322: 0.26
San Jun Financial Group (TSE:7322) 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.
San Jun Financial Group Return-on-Tangible-Asset Related Terms
San Jun Financial Group Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for San Jun 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.
San Jun Financial Group Return-on-Tangible-Asset Chart
San Jun Financial Group Return-on-Tangible-Asset Competitor Comparison
For the Banks - Regional subindustry, San Jun 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.
San Jun Financial Group Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, San Jun Financial Group's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where San Jun 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 0.24% mean?
San Jun Financial Group (TSE:7322) has a Return-on-Tangible-Asset of 0.24% 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 San Jun Financial Group and its competitors. This is 60% above median its historical median of 0.15. Over the past decade, San Jun Financial Group's Return-on-Tangible-Asset has ranged from 0.10 to 1.29. According to the industry distribution chart, San Jun Financial Group ranks #1352 out of 1529 companies in the Banks industry, placing it in the top 88.4%.
Is San Jun Financial Group's Return-on-Tangible-Asset too high?
San Jun Financial Group's current Return-on-Tangible-Asset of 0.24% is 60% above median its 10-year median of 0.15. Over the past 10 years, this metric has ranged from a low of 0.10 to a high of 1.29. The Banks industry median Return-on-Tangible-Asset is 1.01. San Jun Financial Group's value of 0.24% is 76.2% below this industry median. Based on the distribution chart, San Jun Financial Group ranks #1352 out of 1529 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, San Jun Financial Group has a GF Score™ of 43/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does San Jun Financial Group's Return-on-Tangible-Asset compare to competitors?
According to the Banks industry distribution chart, San Jun Financial Group ranks #1352 out of 1529 companies for Return-on-Tangible-Asset. This places San Jun Financial Group in the lower half of its industry. The industry median Return-on-Tangible-Asset is 1.01. San Jun Financial Group's value of 0.24% is 76.2% below this benchmark. Historically, San Jun Financial Group's own Return-on-Tangible-Asset has ranged from 0.10 to 1.29 over the past decade. While the company's 10-year median is 0.15 vs. the industry median of 1.01, 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 Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 1.01, based on 1,529 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. San Jun Financial Group's current Return-on-Tangible-Asset of 0.24% is 76.2% 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 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 San Jun Financial Group and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 1.01 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. San Jun Financial Group's current Return-on-Tangible-Asset is 0.24%, which is 60% above median its own 10-year median of 0.15. 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710.67, compared to a current price of 円1,870.00 — trading 163.1% above its estimated fair value. The current Return-on-Tangible-Asset is 0.24%, which is 60% above median its 10-year median of 0.15 and 76.2% below the Banks industry median of 1.01. San Jun Financial Group's overall GF Score™ is 43/100 with 6 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 San Jun Financial Group (TSE:7322), the current Return-on-Tangible-Asset is 0.24% 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 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1,870.00 is trading 163.1% above its estimated GF Value™ of 円710.67.
GuruFocus considers San Jun Financial Group to be Significantly Overvalued.
Key valuation signals for TSE:7322:
Return-on-Tangible-Asset: 0.24% (60% above median its 10-year median of 0.15)
GF Value™: 円710.67 vs. price of 円1,870.00 (163.1% above fair value)
Industry Position: 76.2% below the Banks median (#1352 of 1529)
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.
43GF Score
Get the complete analysis for TSE:7322
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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