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Kyoto Financial GroupTSE:5844 +1.48%67 Return-on-Tangible-Equity is 19.99% as of Mar. 2026, which is 654% above its 10-year median of 2.65. 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 1,518 Banks companies, Kyoto Financial Group ranks worse than 67.19% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Kyoto Financial Group's annualized net income for the quarter that ended in Mar. 2026 was 円230,180 Mil. Kyoto Financial Group's average shareholder tangible equity for the quarter that ended in Mar. 2026 was 円1,151,685 Mil. Therefore, Kyoto Financial Group's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 19.99%.
The historical rank and industry rank for Kyoto Financial Group's Return-on-Tangible-Equity or its related term are showing as below:
TSE:5844'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 1.69 Med: 2.65 Max: 8.78
Current: 8.46
During the past 13 years, Kyoto Financial Group's highest Return-on-Tangible-Equity was 8.78%. The lowest was 1.69%. And the median was 2.65%.
TSE:5844's Return-on-Tangible-Equity is ranked worse than 67.19% of 1518
companies
in the Banks industry
Industry Median: 11.475
vs TSE:5844: 8.46
Kyoto Financial Group (TSE:5844) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Kyoto Financial Group Return-on-Tangible-Equity Related Terms
Kyoto Financial Group Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Kyoto Financial Group's Return-on-Tangible-Equity 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-Equity Chart
Kyoto Financial Group Return-on-Tangible-Equity Competitor Comparison
For the Banks - Regional subindustry, Kyoto Financial Group's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Kyoto Financial Group's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Kyoto Financial Group's Return-on-Tangible-Equity 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-Equity, the net income of the last fiscal year and the average total shareholder tangible equity 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.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 19.99% mean?
Kyoto Financial Group (TSE:5844) has a Return-on-Tangible-Equity of 19.99% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Kyoto Financial Group and its competitors. This is 654% above median its historical median of 2.65. Over the past decade, Kyoto Financial Group's Return-on-Tangible-Equity has ranged from 1.69 to 8.78. According to the industry distribution chart, Kyoto Financial Group ranks #1020 out of 1518 companies in the Banks industry, placing it in the top 67.2%.
Is Kyoto Financial Group's Return-on-Tangible-Equity too high?
Kyoto Financial Group's current Return-on-Tangible-Equity of 19.99% is 654% above median its 10-year median of 2.65. Over the past 10 years, this metric has ranged from a low of 1.69 to a high of 8.78. The Banks industry median Return-on-Tangible-Equity is 11.48. Kyoto Financial Group's value of 19.99% is 74.2% above this industry median. Based on the distribution chart, Kyoto Financial Group ranks #1020 out of 1518 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-Equity compare to competitors?
According to the Banks industry distribution chart, Kyoto Financial Group ranks #1020 out of 1518 companies for Return-on-Tangible-Equity. This places Kyoto Financial Group in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.48. Kyoto Financial Group's value of 19.99% is 74.2% above this benchmark. Historically, Kyoto Financial Group's own Return-on-Tangible-Equity has ranged from 1.69 to 8.78 over the past decade. While the company's 10-year median is 2.65 vs. the industry median of 11.48, 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-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.48, based on 1,518 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity 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-Equity of 19.99% is 74.2% 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-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Kyoto Financial Group and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.48 — 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-Equity is 19.99%, which is 654% above median its own 10-year median of 2.65. 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-Equity is 19.99%, which is 654% above median its 10-year median of 2.65 and 74.2% above the Banks industry median of 11.48. 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-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Kyoto Financial Group (TSE:5844), the current Return-on-Tangible-Equity is 19.99% 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-Equity: 19.99% (654% above median its 10-year median of 2.65)
GF Value™: 円5,903.23 vs. price of 円4,936.00 (16.4% below fair value)
Industry Position: 74.2% above the Banks median (#1020 of 1518)
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-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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