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.
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.
Japan SystembankNGO:5530 75 ROE % is 3.83% as of Mar. 2026, which is 67% below its 10-year median of 11.63. GuruFocus rates NGO:5530 with a GF Score™ of 75/100 and a GF Value™ of 円969.98 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,748 Construction companies, Japan Systembank ranks better than 67.56% on this metric.
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % 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 ROE %s can be extremely high.
Japan Systembank ROE % Related Terms
Japan Systembank ROE % Historical Data
* Premium members only.
The historical data trend for Japan Systembank's ROE % 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.
For the Infrastructure Operations subindustry, Japan Systembank's ROE %, along with its competitors' market caps and ROE % 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.
Japan Systembank ROE % vs Construction Industry
For the Construction industry and Industrials sector, Japan Systembank's ROE % distribution charts can be found below:
* The bar in red indicates where Japan Systembank's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder 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.
ROE % is displayed in the 30-year financial page.
Japan Systembank (NGO:5530) has a ROE % of 3.83% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Japan Systembank and its competitors. This is 67% below median its historical median of 11.63. According to the industry distribution chart, Japan Systembank ranks #567 out of 1748 companies in the Construction industry, placing it in the top 32.4%.
Is Japan Systembank's ROE % too high?
Japan Systembank's current ROE % of 3.83% is 67% below median its 10-year median of 11.63. The Construction industry median ROE % is 6.69. Japan Systembank's value of 3.83% is 42.8% below this industry median. Based on the distribution chart, Japan Systembank ranks #567 out of 1748 companies in the Construction industry, which is above the industry midpoint. Overall, Japan Systembank has a GF Score™ of 75/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Japan Systembank's ROE % compare to competitors?
According to the Construction industry distribution chart, Japan Systembank ranks #567 out of 1748 companies for ROE %. This puts Japan Systembank in the upper half of its industry. The industry median ROE % is 6.69. Japan Systembank's value of 3.83% is 42.8% below this benchmark. While the company's 10-year median is 11.63 vs. the industry median of 6.69, Japan Systembank 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 ROE % for a Construction company?
The median ROE % among Construction companies is 6.69, based on 1,748 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Japan Systembank's current ROE % of 3.83% is 42.8% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Japan Systembank and its competitors. For the Construction industry, the median ROE % is 6.69 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Japan Systembank's current ROE % is 3.83%, which is 67% below median its own 10-year median of 11.63. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Japan Systembank stock overvalued right now?
Based on GuruFocus' analysis, Japan Systembank (NGO:5530) is currently considered Modestly Overvalued. The stock's GF Value™ is 円969.98, compared to a current price of 円1,090.00 — trading 12.4% above its estimated fair value. The current ROE % is 3.83%, which is 67% below median its 10-year median of 11.63 and 42.8% below the Construction industry median of 6.69. Japan Systembank's overall GF Score™ is 75/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % calculated?
ROE % is calculated from a company's financial statements. For Japan Systembank (NGO:5530), the current ROE % is 3.83% 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 Japan Systembank (NGO:5530) Overvalued in 2026?
Based on GuruFocus' analysis, Japan Systembank stock appears to be overvalued.
The current stock price of 円1,090.00 is trading 12.4% above its estimated GF Value™ of 円969.98.
GuruFocus considers Japan Systembank to be Modestly Overvalued.
Key valuation signals for NGO:5530:
ROE %: 3.83% (67% below median its 10-year median of 11.63)
GF Value™: 円969.98 vs. price of 円1,090.00 (12.4% above fair value)
Industry Position: 42.8% below the Construction median (#567 of 1748)
No single metric tells the full story. See the NGO:5530 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
NGO:5530 has been successfully added to your 
