User Local (TSE:3984) 1-Year Sharpe Ratio: -0.86 (As of Sep. 14, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
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.
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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.

TSE:3984 User Local Inc TSE:3984
86 GF Score
Price 円1,529.00
GF Value 円2,673.92
Valuation Significantly Undervalued
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What is User Local 1-Year Sharpe Ratio?

User Local TSE:3984 -0.13% 86 1-Year Sharpe Ratio is -0.86 as of Sep. 14, 2026. GuruFocus rates TSE:3984 with a GF Score™ of 86/100 and a GF Value™ of 円2,673.92 (Significantly Undervalued).

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 (2026-09-14), User Local's 1-Year Sharpe Ratio is -0.86.

User Local  (TSE:3984) 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.

User Local 1-Year Sharpe Ratio Related Terms

TSE:3984 vs IBM, ACN, CTSH: 1-Year Sharpe Ratio Comparison

For the Information Technology Services subindustry, User Local'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.

User Local 1-Year Sharpe Ratio vs Software Industry

For the Software industry and Technology sector, User Local's 1-Year Sharpe Ratio distribution charts can be found below:

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


TSE:3984
86GF Score
User Local Inc TSE:3984
1-Year Sharpe Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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User Local 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 -0.86 mean?
User Local (TSE:3984) has a 1-Year Sharpe Ratio of -0.86 as of Sep. 14, 2026. 1-Year Sharpe Ratio measures the additional return that an investor receives per unit of increase in risk. View historical data for User Local and its competitors.
Is User Local's 1-Year Sharpe Ratio too high?
User Local's current 1-Year Sharpe Ratio is -0.86. Overall, User Local has a GF Score™ of 86/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does User Local's 1-Year Sharpe Ratio compare to IBM and ACN?
User Local's 1-Year Sharpe Ratio of -0.86 can be compared against companies in the Software 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 Software company?
A good 1-Year Sharpe Ratio depends on the Software 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 User Local and its competitors. User Local's current 1-Year Sharpe Ratio is -0.86. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is User Local stock overvalued right now?
Based on GuruFocus' analysis, User Local (TSE:3984) is currently considered Significantly Undervalued. The stock's GF Value™ is 円2,673.92, compared to a current price of 円1,529.00 — trading 42.8% below its estimated fair value. The current 1-Year Sharpe Ratio is -0.86. User Local's overall GF Score™ is 86/100. 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 User Local (TSE:3984), the current 1-Year Sharpe Ratio is -0.86 as of Sep. 14, 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 User Local (TSE:3984) Overvalued in 2026?

Based on GuruFocus' analysis, User Local stock appears to be undervalued. The current stock price of 円1,529.00 is trading 42.8% below its estimated GF Value™ of 円2,673.92. GuruFocus considers User Local to be Significantly Undervalued.

Key valuation signals for TSE:3984:

  • 1-Year Sharpe Ratio: -0.86
  • GF Value™: 円2,673.92 vs. price of 円1,529.00 (42.8% below fair value)
  • GF Score™: 86/100

No single metric tells the full story. See the TSE:3984 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

User Local Business Description

Address 5-20-6 Shiba, Minato-ku, Tokyo, JPN, 108-0014
User Local Inc is engaged in the research and development of big data analysis system, web marketing support tool, offering media analysis tool, and managing artificial intelligence chat bot.
86GF Score

Get the complete analysis for TSE:3984

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

円1,529.00
Price
円2,673.92
GF Value