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Suruga BankTSE:8358 -6.30%50 Return-on-Tangible-Equity is 14.16% as of Mar. 2026, which is 121% above its 10-year median of 6.42. GuruFocus rates TSE:8358 with a GF Score™ of 50/100 and a GF Value™ of 円1,497.59 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,523 Banks companies, Suruga Bank ranks better than 52.72% 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. Suruga Bank's annualized net income for the quarter that ended in Mar. 2026 was 円43,320 Mil. Suruga Bank's average shareholder tangible equity for the quarter that ended in Mar. 2026 was 円305,972 Mil. Therefore, Suruga Bank's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 14.16%.
The historical rank and industry rank for Suruga Bank's Return-on-Tangible-Equity or its related term are showing as below:
TSE:8358'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -36.52 Med: 6.42 Max: 14.71
Current: 11.69
During the past 13 years, Suruga Bank's highest Return-on-Tangible-Equity was 14.71%. The lowest was -36.52%. And the median was 6.42%.
TSE:8358's Return-on-Tangible-Equity is ranked better than 52.72% of 1523
companies
in the Banks industry
Industry Median: 11.23
vs TSE:8358: 11.69
Suruga Bank (TSE:8358) 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.
Suruga Bank Return-on-Tangible-Equity Related Terms
Suruga Bank Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Suruga Bank'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.
Suruga Bank Return-on-Tangible-Equity Competitor Comparison
For the Banks - Regional subindustry, Suruga Bank'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.
Suruga Bank Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Suruga Bank's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Suruga Bank'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 14.16% mean?
Suruga Bank (TSE:8358) has a Return-on-Tangible-Equity of 14.16% 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 Suruga Bank and its competitors. This is 121% above median its historical median of 6.42. According to the industry distribution chart, Suruga Bank ranks #720 out of 1523 companies in the Banks industry, placing it in the top 47.3%.
Is Suruga Bank's Return-on-Tangible-Equity too high?
Suruga Bank's current Return-on-Tangible-Equity of 14.16% is 121% above median its 10-year median of 6.42. The Banks industry median Return-on-Tangible-Equity is 11.23. Suruga Bank's value of 14.16% is 26.1% above this industry median. Based on the distribution chart, Suruga Bank ranks #720 out of 1523 companies in the Banks industry, which is above the industry midpoint. Overall, Suruga Bank has a GF Score™ of 50/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Suruga Bank's Return-on-Tangible-Equity compare to competitors?
According to the Banks industry distribution chart, Suruga Bank ranks #720 out of 1523 companies for Return-on-Tangible-Equity. This puts Suruga Bank in the upper half of its industry. The industry median Return-on-Tangible-Equity is 11.23. Suruga Bank's value of 14.16% is 26.1% above this benchmark. While the company's 10-year median is 6.42 vs. the industry median of 11.23, Suruga Bank 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 11.23, based on 1,523 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. Suruga Bank's current Return-on-Tangible-Equity of 14.16% is 26.1% 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 Suruga Bank and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Suruga Bank's current Return-on-Tangible-Equity is 14.16%, which is 121% above median its own 10-year median of 6.42. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Suruga Bank stock overvalued right now?
Based on GuruFocus' analysis, Suruga Bank (TSE:8358) is currently considered Significantly Overvalued. The stock's GF Value™ is 円1,497.59, compared to a current price of 円2,545.00 — trading 69.9% above its estimated fair value. The current Return-on-Tangible-Equity is 14.16%, which is 121% above median its 10-year median of 6.42 and 26.1% above the Banks industry median of 11.23. Suruga Bank's overall GF Score™ is 50/100 with 4 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 Suruga Bank (TSE:8358), the current Return-on-Tangible-Equity is 14.16% 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 Suruga Bank (TSE:8358) Overvalued in 2026?
Based on GuruFocus' analysis, Suruga Bank stock appears to be overvalued.
The current stock price of 円2,545.00 is trading 69.9% above its estimated GF Value™ of 円1,497.59.
GuruFocus considers Suruga Bank to be Significantly Overvalued.
Key valuation signals for TSE:8358:
Return-on-Tangible-Equity: 14.16% (121% above median its 10-year median of 6.42)
GF Value™: 円1,497.59 vs. price of 円2,545.00 (69.9% above fair value)
Industry Position: 26.1% above the Banks median (#720 of 1523)
No single metric tells the full story. See the TSE:8358 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Suruga Bank Ltd. is a regional bank in the Kanto area. The company divides its operations into five core businesses: personal loans, housing loans, asset management, life support, and small- to medium-size corporate lending. Specifically, this includes deposits, loans, foreign exchange transactions, leasing, letters of credit, and credit card services. Within their loan business, Suruga caters to consumers, allowing them to access more credit to work on projects such as renovations and refurbishment in addition to traditional housing loans. The company earns the majority of its revenue from housing loans. The bank operates primarily in Shizuoka and Kanagawa.
50GF Score
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