Seven BankSEBNF 71 ROE % is 6.73% as of Mar. 2026, which is 33% below its 10-year median of 10.08. GuruFocus rates SEBNF with a GF Score™ of 71/100 and a GF Value™ of $2.30. The stock has 2 warning signs investors should review. Among 1,523 Banks companies, Seven Bank ranks worse than 80.76% on this metric.
ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. Seven Bank's annualized net income for the quarter that ended in Mar. 2026 was $119 Mil. Seven Bank's average Total Stockholders Equity over the quarter that ended in Mar. 2026 was $1,761 Mil. Therefore, Seven Bank's annualized ROE % for the quarter that ended in Mar. 2026 was 6.73%.
The historical rank and industry rank for Seven Bank's ROE % or its related term are showing as below:
SEBNF'
s ROE % Range Over the Past 10 Years
Min: 4.83 Med: 10.08 Max: 13.09
Current: 5.25
During the past 13 years, Seven Bank's highest ROE % was 13.09%. The lowest was 4.83%. And the median was 10.08%.
SEBNF's ROE % is ranked worse than 80.76% of 1523
companies
in the Banks industry
Industry Median: 10.22
vs SEBNF: 5.25
Seven Bank (OTCPK:SEBNF) ROE % Explanation
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.
Seven Bank ROE % Related Terms
Seven Bank ROE % Historical Data
* Premium members only.
The historical data trend for Seven Bank'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 Banks - Regional subindustry, Seven Bank'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.
Seven Bank ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Seven Bank's ROE % distribution charts can be found below:
* The bar in red indicates where Seven Bank'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.
Seven Bank (SEBNF) has a ROE % of 6.73% 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 Seven Bank and its competitors. This is 33% below median its historical median of 10.08. Over the past decade, Seven Bank's ROE % has ranged from 4.83 to 13.09. According to the industry distribution chart, Seven Bank ranks #1230 out of 1523 companies in the Banks industry, placing it in the top 80.8%.
Is Seven Bank's ROE % too high?
Seven Bank's current ROE % of 6.73% is 33% below median its 10-year median of 10.08. Over the past 10 years, this metric has ranged from a low of 4.83 to a high of 13.09. The Banks industry median ROE % is 10.22. Seven Bank's value of 6.73% is 34.1% below this industry median. Based on the distribution chart, Seven Bank ranks #1230 out of 1523 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Seven Bank has a GF Score™ of 71/100, reflecting its overall financial health beyond just this single metric.
How does Seven Bank's ROE % compare to competitors?
According to the Banks industry distribution chart, Seven Bank ranks #1230 out of 1523 companies for ROE %. This places Seven Bank in the lower half of its industry. The industry median ROE % is 10.22. Seven Bank's value of 6.73% is 34.1% below this benchmark. Historically, Seven Bank's own ROE % has ranged from 4.83 to 13.09 over the past decade. While the company's 10-year median is 10.08 vs. the industry median of 10.22, Seven Bank 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 Banks company?
The median ROE % among Banks companies is 10.22, based on 1,523 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. Seven Bank's current ROE % of 6.73% is 34.1% 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 Seven Bank and its competitors. For the Banks industry, the median ROE % is 10.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Seven Bank's current ROE % is 6.73%, which is 33% below median its own 10-year median of 10.08. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Seven Bank stock overvalued right now?
Seven Bank (SEBNF) has a current ROE % of 6.73%. The stock's GF Value™ is $2.30, compared to a current price of $1.78 — trading 22.6% below its estimated fair value. The current ROE % is 6.73%, which is 33% below median its 10-year median of 10.08 and 34.1% below the Banks industry median of 10.22. Seven Bank's overall GF Score™ is 71/100 with 2 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 Seven Bank (SEBNF), the current ROE % is 6.73% 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 Seven Bank (SEBNF) Overvalued in 2026?
Based on GuruFocus' analysis, Seven Bank stock appears to be undervalued.
The current stock price of $1.78 is trading 22.6% below its estimated GF Value™ of $2.30.
Key valuation signals for SEBNF:
ROE %: 6.73% (33% below median its 10-year median of 10.08)
GF Value™: $2.30 vs. price of $1.78 (22.6% below fair value)
Industry Position: 34.1% below the Banks median (#1230 of 1523)
No single metric tells the full story. See the SEBNF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Seven Bank Ltd is a Japan-based business bank. It operates a network of ATMs in partnership with financial institutions across Japan. The company's business segments include the ATM Services segment and the Financial Services segment. The ATM Services segment, provides deposits, withdrawals, and bank transfers at more than 22,000 Seven Bank ATMs nationwide using the cards of more than 590 partner institutions. The Financial Services segment provides convenient account-related services, such as ordinary deposits, time deposits, personal loans and international money transfers, which are accessible from not only Seven Bank ATMs but also personal computers and smartphones. Also, the company provides ATM services overseas and back-office support on commission through its subsidiaries.
71GF Score
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