Kyoto Financial Group (TSE:5844) ROE % Adjusted to Book Value: 19.47% (As of Mar. 2026)

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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.
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Charlie Tian
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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.

TSE:5844 Kyoto Financial Group Inc TSE:5844
60 GF Score
Price 円4,700.00
GF Value 円5,864.47
Valuation Modestly Undervalued
! 6 Warning Signs
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What is Kyoto Financial Group ROE % Adjusted to Book Value?

Kyoto Financial Group TSE:5844 +0.86% 60 ROE % Adjusted to Book Value is 19.47% as of Mar. 2026. GuruFocus rates TSE:5844 with a GF Score™ of 60/100 and a GF Value™ of 円5,864.47 (Modestly Undervalued). The stock has 6 warning signs investors should review.

Kyoto Financial Group's ROE % for the quarter that ended in Mar. 2026 was 19.86%. Kyoto Financial Group's PB Ratio for the quarter that ended in Mar. 2026 was 1.02. Kyoto Financial Group's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 was 19.47%.


Kyoto Financial Group ROE % Adjusted to Book Value Related Terms


Kyoto Financial Group ROE % Adjusted to Book Value Historical Data

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The historical data trend for Kyoto Financial Group's ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value Chart

Kyoto Financial Group Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only 4.95 5.57 4.23 5.39 8.55

Kyoto Financial Group Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
ROE % Adjusted to Book Value Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 2.48 7.48 6.22 4.95 19.47

Kyoto Financial Group ROE % Adjusted to Book Value Competitor Comparison

For the Banks - Regional subindustry, Kyoto Financial Group's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value vs Banks Industry

For the Banks industry and Financial Services sector, Kyoto Financial Group's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where Kyoto Financial Group's ROE % Adjusted to Book Value falls into.


TSE:5844
60GF Score
Kyoto Financial Group Inc TSE:5844
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Kyoto Financial Group ROE % Adjusted to Book Value Calculation

Kyoto Financial Group's ROE % Adjusted to Book Value for the fiscal year that ended in Mar. 2026 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=8.72% / 1.02
=8.55%

Kyoto Financial Group's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=19.86% / 1.02
=19.47%

* 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.

What does a ROE % Adjusted to Book Value of 19.47% mean?
Kyoto Financial Group (TSE:5844) has a ROE % Adjusted to Book Value of 19.47% as of Mar. 2026. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Kyoto Financial Group and its competitors.
Is Kyoto Financial Group's ROE % Adjusted to Book Value too high?
Kyoto Financial Group's current ROE % Adjusted to Book Value is 19.47%. Overall, Kyoto Financial Group has a GF Score™ of 60/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Kyoto Financial Group's ROE % Adjusted to Book Value compare to competitors?
Kyoto Financial Group's ROE % Adjusted to Book Value of 19.47% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % Adjusted to Book Value for a Banks company?
A good ROE % Adjusted to Book Value depends on the Banks industry context. However, ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Kyoto Financial Group and its competitors. Kyoto Financial Group's current ROE % Adjusted to Book Value is 19.47%. 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5,864.47, compared to a current price of 円4,700.00 — trading 19.9% below its estimated fair value. The current ROE % Adjusted to Book Value is 19.47%. Kyoto Financial Group's overall GF Score™ is 60/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For Kyoto Financial Group (TSE:5844), the current ROE % Adjusted to Book Value is 19.47% 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4,700.00 is trading 19.9% below its estimated GF Value™ of 円5,864.47. GuruFocus considers Kyoto Financial Group to be Modestly Undervalued.

Key valuation signals for TSE:5844:

  • ROE % Adjusted to Book Value: 19.47%
  • GF Value™: 円5,864.47 vs. price of 円4,700.00 (19.9% below fair value)
  • GF Score™: 60/100 with 6 warning signs

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 Business Description

Address 700 Yakushimaecho, Karasuma-dori Matsubaraagaru, Shimogyo-ku, Kyoto, JPN, 600-8652
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.
60GF Score

Get the complete analysis for TSE:5844

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

円4,700.00
Price
円5,864.47
GF Value