Howa Bank (FSE:8559) 1-Year Sharpe Ratio: -0.20 (As of Sep. 06, 2026)

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Director of Data and Quant Analytics at GuruFocus
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Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
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.

FSE:8559 Howa Bank Ltd FSE:8559
54 GF Score
Price 円495.00
GF Value 円534.96
Valuation Fairly Valued
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What is Howa Bank 1-Year Sharpe Ratio?

Howa Bank FSE:8559 +0.20% 54 1-Year Sharpe Ratio is -0.20 as of Sep. 06, 2026. GuruFocus rates FSE:8559 with a GF Score™ of 54/100 and a GF Value™ of 円534.96 (Fairly Valued).

The 1-Year Sharpe Ratio measures the additional return that an investor receives per unit of increase in risk over the past year. As of today (2026-09-06), Howa Bank's 1-Year Sharpe Ratio is -0.20.

Howa Bank  (FSE:8559) 1-Year Sharpe Ratio Explanation

The 1-Year Sharpe Ratio inidicates the risk-adjusted return of an investment over the past year. It is calculated as the annualized result of the average monthly excess return divided by its standard deviation over the past year. The monthly excess return is the monthly investment return minus the monthly risk-free rate (typically the 10-year Treasury Constant Maturity Rate). If the risk-free rate for a specific region is not available, U.S. data is used by default.

The greater a portfolio's Sharpe Ratio, the better its risk-adjusted performance. A negative Sharpe Ratio means the risk-free rate is greater than the portfolio’s historical or projected return, or else the portfolio's return is expected to be negative.

Howa Bank 1-Year Sharpe Ratio Related Terms

FSE:8559 vs USB: 1-Year Sharpe Ratio Comparison

For the Banks - Regional subindustry, Howa Bank's 1-Year Sharpe Ratio, along with its competitors' market caps and 1-Year Sharpe Ratio 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.

Howa Bank 1-Year Sharpe Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Howa Bank's 1-Year Sharpe Ratio distribution charts can be found below:

* The bar in red indicates where Howa Bank's 1-Year Sharpe Ratio falls into.


FSE:8559
54GF Score
Howa Bank Ltd FSE:8559
1-Year Sharpe Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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Howa Bank 1-Year Sharpe Ratio Calculation

The 1-Year Sharpe Ratio measures the performance of an investment such as a stock or portfolio compared to a risk-free asset. A stock / portfolio's 1-Year Sharpe Ratio can be calculated by dividing the difference between the one-year returns of the investment and the risk-free rate, by the standard deviation of the investment returns over one year.

Frequently Asked Questions Learn more about 1-Year Sharpe Ratio →
What does a 1-Year Sharpe Ratio of -0.20 mean?
Howa Bank (FSE:8559) has a 1-Year Sharpe Ratio of -0.20 as of Sep. 06, 2026. 1-Year Sharpe Ratio measures the additional return that an investor receives per unit of increase in risk. View historical data for Howa Bank and its competitors.
Is Howa Bank's 1-Year Sharpe Ratio too high?
Howa Bank's current 1-Year Sharpe Ratio is -0.20. Overall, Howa Bank has a GF Score™ of 54/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Howa Bank's 1-Year Sharpe Ratio compare to USB?
Howa Bank's 1-Year Sharpe Ratio of -0.20 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 1-Year Sharpe Ratio for a Banks company?
A good 1-Year Sharpe Ratio depends on the Banks industry context. However, 1-Year Sharpe Ratio 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 1-Year Sharpe Ratio mean?
A high 1-Year Sharpe Ratio can signal that a stock is expensive relative to its fundamentals. 1-Year Sharpe Ratio measures the additional return that an investor receives per unit of increase in risk. View historical data for Howa Bank and its competitors. Howa Bank's current 1-Year Sharpe Ratio is -0.20. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Howa Bank stock overvalued right now?
Based on GuruFocus' analysis, Howa Bank (FSE:8559) is currently considered Fairly Valued. The stock's GF Value™ is 円534.96, compared to a current price of 円495.00 — trading 7.5% below its estimated fair value. The current 1-Year Sharpe Ratio is -0.20. Howa Bank's overall GF Score™ is 54/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 1-Year Sharpe Ratio calculated?
1-Year Sharpe Ratio is calculated from a company's financial statements. For Howa Bank (FSE:8559), the current 1-Year Sharpe Ratio is -0.20 as of Sep. 06, 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 Howa Bank (FSE:8559) Overvalued in 2026?

Based on GuruFocus' analysis, Howa Bank stock appears to be undervalued. The current stock price of 円495.00 is trading 7.5% below its estimated GF Value™ of 円534.96. GuruFocus considers Howa Bank to be Fairly Valued.

Key valuation signals for FSE:8559:

  • 1-Year Sharpe Ratio: -0.20
  • GF Value™: 円534.96 vs. price of 円495.00 (7.5% below fair value)
  • GF Score™: 54/100

No single metric tells the full story. See the FSE:8559 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Howa Bank Business Description

Address 4-10 Oji Nakamachi, Oita, JPN, 870-8686
Howa Bank Ltd is a Japan based regional bank. It provides banking products and services in Japan. Its deposit products include general account, saving account, current account, and property accumulation housing savings deposit. It offers housing loan, reform loan, card loan, free loan, education loan, auto loans and also provides insurance services.
54GF Score

Get the complete analysis for FSE:8559

1-Year Sharpe Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

円495.00
Price
円534.96
GF Value