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J Trust CoTSE:8508 -0.11%61 3-Year ROIIC % is 0.36 as of Dec. 2024, which is 500% above its 10-year median of 0.06. GuruFocus rates TSE:8508 with a GF Score™ of 61/100 and a GF Value™ of 円378.60 (Significantly Overvalued). The stock has 13 warning signs investors should review. Among 157 Diversified Financial Services companies, J Trust Co ranks better than 54.78% on this metric.
3-Year Return on Invested Incremental Capital (3-Year ROIIC %) measures the change in earnings as a percentage of change in investment over 3-year.
J Trust Co's 3-Year ROIIC % for the quarter that ended in Dec. 2024 was 0.36%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for J Trust Co's 3-Year ROIIC % or its related term are showing as below:
TSE:8508's 3-Year ROIIC % is ranked better than 54.78% of 157
companies
in the Diversified Financial Services industry
Industry Median: 0.11
vs TSE:8508: 0.36
Return on Incremental Invested Capital (ROIIC) is an extension of Return on Investment Capital (ROIC). ROIC % tells investors how efficiently that profitability is earned per dollar of company capital. ROIIC narrows the focus even further and shows how profitable each additional unit of capital investment could be. ROIIC % is a more powerful metric than ROIC because it measures how much money the company can generate going forward on future capital investments.
High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
Be Aware
It's important to keep in mind that when tracking ROIIC, the metric is better suited to forecasting the trend of future returns rather than measuring current return on investment.
J Trust Co 3-Year ROIIC % Related Terms
J Trust Co 3-Year ROIIC % Historical Data
* Premium members only.
The historical data trend for J Trust Co's 3-Year ROIIC % 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 3-Year ROIIC %, along with its competitors' market caps and 3-Year ROIIC % 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 3-Year ROIIC % vs Diversified Financial Services Industry
For the Diversified Financial Services industry and Financial Services sector, J Trust Co's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where J Trust Co's 3-Year ROIIC % falls into.
J Trust Co's 3-Year ROIIC % for the quarter that ended in Dec. 2024 is calculated as:
3-Year ROIIC %
=
3-Year Incremental Net Operating Profit After Taxes (NOPAT)**
/
3-Year Incremental Invested Capital**
=
( 5278.512 (Dec. 2024) - 3199.7402 (Dec. 2021) )
/
( 1100979 (Dec. 2024) - 519915 (Dec. 2021) )
=
2078.7718
/
581064
=
0.36%***
* 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.
** Annual data of NOPAT and Invested Capital was used to calculate 3-Year ROIIC %.
*** Please be aware that the ROIIC (Return on Invested Capital) calculations are based on company-level data using the primary share class. The calculated data provided is for demonstration purposes and may slightly differ from the results displayed in the title due to potential variations caused by currency exchange rate differences throughout the year.
J Trust Co (TSE:8508) has a 3-Year ROIIC % of 0.36 as of Dec. 2024. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on J Trust Co and its competitors. This is 500% above median its historical median of 0.06. According to the industry distribution chart, J Trust Co ranks #71 out of 157 companies in the Diversified Financial Services industry, placing it in the top 45.2%.
Is J Trust Co's 3-Year ROIIC % too high?
J Trust Co's current 3-Year ROIIC % of 0.36 is 500% above median its 10-year median of 0.06. The Diversified Financial Services industry median 3-Year ROIIC % is 0.11. J Trust Co's value of 0.36 is 227.3% above this industry median. Based on the distribution chart, J Trust Co ranks #71 out of 157 companies in the Diversified Financial Services industry, which is above the industry midpoint. 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 3-Year ROIIC % compare to FRHC and VOYA?
According to the Diversified Financial Services industry distribution chart, J Trust Co ranks #71 out of 157 companies for 3-Year ROIIC %. This puts J Trust Co in the upper half of its industry. The industry median 3-Year ROIIC % is 0.11. J Trust Co's value of 0.36 is 227.3% above this benchmark. While the company's 10-year median is 0.06 vs. the industry median of 0.11, 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 3-Year ROIIC % for a Diversified Financial Services company?
The median 3-Year ROIIC % among Diversified Financial Services companies is 0.11, based on 157 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year ROIIC % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year ROIIC % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. J Trust Co's current 3-Year ROIIC % of 0.36 is 227.3% 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 3-Year ROIIC % mean?
A high 3-Year ROIIC % can signal that a stock is expensive relative to its fundamentals. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on J Trust Co and its competitors. For the Diversified Financial Services industry, the median 3-Year ROIIC % is 0.11 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. J Trust Co's current 3-Year ROIIC % is 0.36, which is 500% above median its own 10-year median of 0.06. 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378.60, compared to a current price of 円885.00 — trading 133.8% above its estimated fair value. The current 3-Year ROIIC % is 0.36, which is 500% above median its 10-year median of 0.06 and 227.3% above the Diversified Financial Services industry median of 0.11. 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 3-Year ROIIC % calculated?
3-Year ROIIC % is calculated from a company's financial statements. For J Trust Co (TSE:8508), the current 3-Year ROIIC % is 0.36 as of Dec. 2024. 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885.00 is trading 133.8% above its estimated GF Value™ of 円378.60.
GuruFocus considers J Trust Co to be Significantly Overvalued.
Key valuation signals for TSE:8508:
3-Year ROIIC %: 0.36 (500% above median its 10-year median of 0.06)
GF Value™: 円378.60 vs. price of 円885.00 (133.8% above fair value)
Industry Position: 227.3% above the Diversified Financial Services median (#71 of 157)
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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