Howa Bank (FSE:8559) ROC %: % (As of Mar. 2026)


FSE:8559 Howa Bank Ltd FSE:8559
55 GF Score
Price 円469.00
GF Value 円529.92
Valuation Modestly Undervalued
! 2 Warning Signs
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What is Howa Bank ROC %?

Howa Bank FSE:8559 +0.86% 55 ROC % is % as of Mar. 2026. GuruFocus rates FSE:8559 with a GF Score™ of 55/100 and a GF Value™ of 円529.92 (Modestly Undervalued). The stock has 2 warning signs investors should review.

ROC %does not apply to banks.

FSE:8559
55GF Score
Howa Bank Ltd FSE:8559
ROC % is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about ROC % →
What does a ROC % of % mean?
Howa Bank (FSE:8559) has a ROC % of % as of Mar. 2026. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Howa Bank and its competitors.
Is Howa Bank's ROC % too high?
Howa Bank's current ROC % is %. Overall, Howa Bank has a GF Score™ of 55/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Howa Bank's ROC % compare to competitors?
Howa Bank's ROC % of % can be compared against companies in the Banks industry. The industry median ROC % is 1.98. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC % for a Banks company?
The median ROC % among Banks companies is 1.98, based on 48 companies in the industry. Companies in the top quartile (top 25%) have a ROC % significantly above this median, while those in the bottom quartile fall well below. However, ROC % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROC % mean?
A high ROC % can signal that a stock is expensive relative to its fundamentals. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Howa Bank and its competitors. For the Banks industry, the median ROC % is 1.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Howa Bank's current ROC % is %. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Howa Bank stock overvalued right now?
Based on GuruFocus' analysis, Howa Bank (FSE:8559) is currently considered Modestly Undervalued. The stock's GF Value™ is 円529.92, compared to a current price of 円469.00 — trading 11.5% below its estimated fair value. The current ROC % is %. Howa Bank's overall GF Score™ is 55/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROC % calculated?
ROC % is calculated from a company's financial statements. For Howa Bank (FSE:8559), the current ROC % is % 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 Howa Bank (FSE:8559) Overvalued in 2026?

Based on GuruFocus' analysis, Howa Bank stock appears to be undervalued. The current stock price of 円469.00 is trading 11.5% below its estimated GF Value™ of 円529.92. GuruFocus considers Howa Bank to be Modestly Undervalued.

Key valuation signals for FSE:8559:

  • ROC %: %
  • GF Value™: 円529.92 vs. price of 円469.00 (11.5% below fair value)
  • GF Score™: 55/100 with 2 warning signs

No single metric tells the full story. See the FSE:8559 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Howa Bank Business Description

Address 4-10 Oji Nakamachi, Oita, JPN, 870-8686
Howa Bank Ltd is a Japan based regional bank. It provides banking products and services in Japan. Its deposit products include general account, saving account, current account, and property accumulation housing savings deposit. It offers housing loan, reform loan, card loan, free loan, education loan, auto loans and also provides insurance services.
55GF Score

Get the complete analysis for FSE:8559

ROC % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

円469.00
Price
円529.92
GF Value