Yamaguchi Financial GroupYFGSF 64 Return-on-Tangible-Equity is 2.50% as of Mar. 2026, which is 38% below its 10-year median of 4.04. GuruFocus rates YFGSF with a GF Scoreâ„¢ of 64/100 and a GF Valueâ„¢ of $4.59. The stock has 5 warning signs investors should review. Among 1,523 Banks companies, Yamaguchi Financial Group ranks worse than 82.6% 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. Yamaguchi Financial Group's annualized net income for the quarter that ended in Mar. 2026 was $105 Mil. Yamaguchi Financial Group's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $4,219 Mil. Therefore, Yamaguchi Financial Group's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 2.50%.
The historical rank and industry rank for Yamaguchi Financial Group's Return-on-Tangible-Equity or its related term are showing as below:
YFGSF'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -2.02 Med: 4.04 Max: 5.62
Current: 5.13
During the past 13 years, Yamaguchi Financial Group's highest Return-on-Tangible-Equity was 5.62%. The lowest was -2.02%. And the median was 4.04%.
YFGSF's Return-on-Tangible-Equity is ranked worse than 82.6% of 1523
companies
in the Banks industry
Industry Median: 11.2
vs YFGSF: 5.13
Yamaguchi Financial Group (OTCPK:YFGSF) 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.
Yamaguchi Financial Group Return-on-Tangible-Equity Related Terms
Yamaguchi Financial Group Return-on-Tangible-Equity Historical Data
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The historical data trend for Yamaguchi 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.
Yamaguchi Financial Group Return-on-Tangible-Equity Chart
Yamaguchi Financial Group Return-on-Tangible-Equity Competitor Comparison
For the Banks - Regional subindustry, Yamaguchi 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.
Yamaguchi Financial Group Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Yamaguchi Financial Group's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Yamaguchi 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 2.50% mean?
Yamaguchi Financial Group (YFGSF) has a Return-on-Tangible-Equity of 2.50% 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 Yamaguchi Financial Group and its competitors. This is 38% below median its historical median of 4.04. According to the industry distribution chart, Yamaguchi Financial Group ranks #1258 out of 1523 companies in the Banks industry, placing it in the top 82.6%.
Is Yamaguchi Financial Group's Return-on-Tangible-Equity too high?
Yamaguchi Financial Group's current Return-on-Tangible-Equity of 2.50% is 38% below median its 10-year median of 4.04. The Banks industry median Return-on-Tangible-Equity is 11.20. Yamaguchi Financial Group's value of 2.50% is 77.7% below this industry median. Based on the distribution chart, Yamaguchi Financial Group ranks #1258 out of 1523 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Yamaguchi Financial Group has a GF Scoreâ„¢ of 64/100, reflecting its overall financial health beyond just this single metric.
How does Yamaguchi Financial Group's Return-on-Tangible-Equity compare to competitors?
According to the Banks industry distribution chart, Yamaguchi Financial Group ranks #1258 out of 1523 companies for Return-on-Tangible-Equity. This places Yamaguchi Financial Group in the lower half of its industry. The industry median Return-on-Tangible-Equity is 11.20. Yamaguchi Financial Group's value of 2.50% is 77.7% below this benchmark. While the company's 10-year median is 4.04 vs. the industry median of 11.20, Yamaguchi 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-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.20, 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. Yamaguchi Financial Group's current Return-on-Tangible-Equity of 2.50% is 77.7% 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-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 Yamaguchi Financial Group and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Yamaguchi Financial Group's current Return-on-Tangible-Equity is 2.50%, which is 38% below median its own 10-year median of 4.04. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Yamaguchi Financial Group stock overvalued right now?
Yamaguchi Financial Group (YFGSF) has a current Return-on-Tangible-Equity of 2.50%. The stock's GF Value™ is $4.59, compared to a current price of $5.62 — trading 22.4% above its estimated fair value. The current Return-on-Tangible-Equity is 2.50%, which is 38% below median its 10-year median of 4.04 and 77.7% below the Banks industry median of 11.20. Yamaguchi Financial Group's overall GF Score™ is 64/100 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 Yamaguchi Financial Group (YFGSF), the current Return-on-Tangible-Equity is 2.50% 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 Yamaguchi Financial Group (YFGSF) Overvalued in 2026?
Based on GuruFocus' analysis, Yamaguchi Financial Group stock appears to be overvalued.
The current stock price of $5.62 is trading 22.4% above its estimated GF Value™ of $4.59.
Key valuation signals for YFGSF:
Return-on-Tangible-Equity: 2.50% (38% below median its 10-year median of 4.04)
GF Value™: $4.59 vs. price of $5.62 (22.4% above fair value)
Industry Position: 77.7% below the Banks median (#1258 of 1523)
No single metric tells the full story. See the YFGSF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Yamaguchi Financial Group Inc is a Japan-based holding company that is principally engaged in providing financial products and services, such as deposits, loans, leasing, foreign exchange transactions, securities business, credit card business, and others. The company operates through a number of subsidiaries, such as Yamaguchi Bank, Momiji Bank, Kitakyushu Bank, and YM Securities. The company's business operations are concentrated within a branch network in Japan, and the firm generates the majority of its income from the domestic market. The company also has a business presence in overseas markets, such as mainland China and Hong Kong.
64GF Score
Get the complete analysis for YFGSF
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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