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J Trust CoTSE:8508 -1.87%61 ROE % is 8.34% as of Mar. 2026, which is 2283% above its 10-year median of 0.35. GuruFocus rates TSE:8508 with a GF Score™ of 61/100 and a GF Value™ of 円470.24 (Significantly Overvalued). The stock has 13 warning signs investors should review. Among 484 Diversified Financial Services companies, J Trust Co ranks better than 86.98% on this metric.
ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. J Trust Co's annualized net income for the quarter that ended in Mar. 2026 was 円13,408 Mil. J Trust Co's average Total Stockholders Equity over the quarter that ended in Mar. 2026 was 円160,860 Mil. Therefore, J Trust Co's annualized ROE % for the quarter that ended in Mar. 2026 was 8.34%.
The historical rank and industry rank for J Trust Co's ROE % or its related term are showing as below:
TSE:8508'
s ROE % Range Over the Past 10 Years
Min: -29.06 Med: 0.35 Max: 12.13
Current: 7.01
During the past 13 years, J Trust Co's highest ROE % was 12.13%. The lowest was -29.06%. And the median was 0.35%.
TSE:8508's ROE % is ranked better than 86.98% of 484
companies
in the Diversified Financial Services industry
Industry Median: 1.645
vs TSE:8508: 7.01
J Trust Co (TSE:8508) 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.
J Trust Co ROE % Related Terms
J Trust Co ROE % Historical Data
* Premium members only.
The historical data trend for J Trust Co'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 Financial Conglomerates subindustry, J Trust Co'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.
J Trust Co ROE % vs Diversified Financial Services Industry
For the Diversified Financial Services industry and Financial Services sector, J Trust Co's ROE % distribution charts can be found below:
* The bar in red indicates where J Trust Co'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.
J Trust Co (TSE:8508) has a ROE % of 8.34% 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 J Trust Co and its competitors. This is 2283% above median its historical median of 0.35. According to the industry distribution chart, J Trust Co ranks #63 out of 484 companies in the Diversified Financial Services industry, placing it in the top 13%.
Is J Trust Co's ROE % too high?
J Trust Co's current ROE % of 8.34% is 2283% above median its 10-year median of 0.35. The Diversified Financial Services industry median ROE % is 1.65. J Trust Co's value of 8.34% is 407% above this industry median. Based on the distribution chart, J Trust Co ranks #63 out of 484 companies in the Diversified Financial Services industry, which is in the top quartile — a strong position relative to peers. Overall, J Trust Co has a GF Score™ of 61/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does J Trust Co's ROE % compare to VOYA and FRHC?
According to the Diversified Financial Services industry distribution chart, J Trust Co ranks #63 out of 484 companies for ROE %. This places J Trust Co in the top 13% of its industry — outperforming the majority of peers. The industry median ROE % is 1.65. J Trust Co's value of 8.34% is 407% above this benchmark. While the company's 10-year median is 0.35 vs. the industry median of 1.65, J Trust Co has consistently been above 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 Diversified Financial Services company?
The median ROE % among Diversified Financial Services companies is 1.65, based on 484 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. J Trust Co's current ROE % of 8.34% is 407% above 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 J Trust Co and its competitors. For the Diversified Financial Services industry, the median ROE % is 1.65 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. J Trust Co's current ROE % is 8.34%, which is 2283% above median its own 10-year median of 0.35. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is J Trust Co stock overvalued right now?
Based on GuruFocus' analysis, J Trust Co (TSE:8508) is currently considered Significantly Overvalued. The stock's GF Value™ is 円470.24, compared to a current price of 円841.00 — trading 78.8% above its estimated fair value. The current ROE % is 8.34%, which is 2283% above median its 10-year median of 0.35 and 407% above the Diversified Financial Services industry median of 1.65. J Trust Co's overall GF Score™ is 61/100 with 13 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 J Trust Co (TSE:8508), the current ROE % is 8.34% 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 J Trust Co (TSE:8508) Overvalued in 2026?
Based on GuruFocus' analysis, J Trust Co stock appears to be overvalued.
The current stock price of 円841.00 is trading 78.8% above its estimated GF Value™ of 円470.24.
GuruFocus considers J Trust Co to be Significantly Overvalued.
Key valuation signals for TSE:8508:
ROE %: 8.34% (2283% above median its 10-year median of 0.35)
GF Value™: 円470.24 vs. price of 円841.00 (78.8% above fair value)
Industry Position: 407% above the Diversified Financial Services median (#63 of 484)
No single metric tells the full story. See the TSE:8508 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
J Trust Co Ltd is a Japan-based company that operates financial and nonfinancial businesses via several subsidiaries. The company's financial business includes a domestic financial business, which consists of credit guarantee, credit and consumer credit, collection of accounts receivable, and other financial services; a financial business in South Korea, which contains a savings bank business, capital business, and a collection of accounts receivable; and a financial business in Southeast Asia, which contains a banking business and a collection of accounts receivable. It's nonfinancial business includes a general entertainment business, a real estate business, an investment business, and other business. It generates around two thirds of its total revenue from its financial businesses.
61GF Score
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