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

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

FSE:8559 Howa Bank Ltd FSE:8559
54 GF Score
Price 円460.00
GF Value 円531.12
Valuation Modestly Undervalued
! 2 Warning Signs
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What is Howa Bank ROCE %?

Howa Bank FSE:8559 +0.22% 54 ROCE % is % as of Mar. 2026. GuruFocus rates FSE:8559 with a GF Score™ of 54/100 and a GF Value™ of 円531.12 (Modestly Undervalued). The stock has 2 warning signs investors should review.

ROCE % does not apply to banks and insurance companies.

FSE:8559
54GF Score
Howa Bank Ltd FSE:8559
ROCE % is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about ROCE % →
What does a ROCE % of % mean?
Howa Bank (FSE:8559) has a ROCE % of % as of Mar. 2026.
Is Howa Bank's ROCE % too high?
Howa Bank's current ROCE % is %. Overall, Howa Bank has a GF Score™ of 54/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Howa Bank's ROCE % compare to competitors?
Howa Bank's ROCE % of % can be compared against companies in the Banks industry. The industry median ROCE % is 3.08. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROCE % for a Banks company?
The median ROCE % among Banks companies is 3.08, based on 47 companies in the industry. Companies in the top quartile (top 25%) have a ROCE % significantly above this median, while those in the bottom quartile fall well below. However, ROCE % 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 ROCE % mean?
A high ROCE % can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median ROCE % is 3.08 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Howa Bank's current ROCE % 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531.12, compared to a current price of 円460.00 — trading 13.4% below its estimated fair value. The current ROCE % is %. Howa Bank's overall GF Score™ is 54/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROCE % calculated?
ROCE % is calculated from a company's financial statements. For Howa Bank (FSE:8559), the current ROCE % 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460.00 is trading 13.4% below its estimated GF Value™ of 円531.12. GuruFocus considers Howa Bank to be Modestly Undervalued.

Key valuation signals for FSE:8559:

  • ROCE %: %
  • GF Value™: 円531.12 vs. price of 円460.00 (13.4% below fair value)
  • GF Score™: 54/100 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.
54GF Score

Get the complete analysis for FSE:8559

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

円460.00
Price
円531.12
GF Value