Kyoto Financial Group (TSE:5844) Scaled Net Operating Assets: 0.05 (As of Mar. 2026)

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TSE:5844 Kyoto Financial Group Inc TSE:5844
60 GF Score
Price 円4,700.00
GF Value 円5,864.47
Valuation Modestly Undervalued
! 6 Warning Signs
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What is Kyoto Financial Group Scaled Net Operating Assets?

Kyoto Financial Group TSE:5844 +0.86% 60 Scaled Net Operating Assets is 0.05 as of Mar. 2026. GuruFocus rates TSE:5844 with a GF Score™ of 60/100 and a GF Value™ of 円5,864.47 (Modestly Undervalued). The stock has 6 warning signs investors should review.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Kyoto Financial Group's operating assets for the quarter that ended in Mar. 2026 was 円10,906,736 Mil. Kyoto Financial Group's operating liabilities for the quarter that ended in Mar. 2026 was 円10,249,785 Mil. Kyoto Financial Group's Total Assets for the quarter that ended in Dec. 2025 was 円12,009,336 Mil. Therefore, Kyoto Financial Group's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.05.

TSE:5844
60GF Score
Kyoto Financial Group Inc TSE:5844
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Kyoto Financial Group Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Kyoto Financial Group's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(A: Mar. 2026 )
=(Operating Assets (A: Mar. 2026 )-Operating Liabilities (A: Mar. 2026 ))/Total Assets (A: Mar. 2025 )
=(10906736-10249785)/12161140
=0.05

where

Operating Assets(A: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=11825666 - 918930
=10906736

Operating Liabilities(A: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=10689417 - 439632 - 0
=10249785

Kyoto Financial Group's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(10906736-10249785)/12009336
=0.05

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=11825666 - 918930
=10906736

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=10689417 - 439632 - 0
=10249785

* 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.

What does a Scaled Net Operating Assets of 0.05 mean?
Kyoto Financial Group (TSE:5844) has a Scaled Net Operating Assets of 0.05 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Kyoto Financial Group and its competitors.
Is Kyoto Financial Group's Scaled Net Operating Assets too high?
Kyoto Financial Group's current Scaled Net Operating Assets is 0.05. Overall, Kyoto Financial Group has a GF Score™ of 60/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Kyoto Financial Group's Scaled Net Operating Assets compare to competitors?
Kyoto Financial Group's Scaled Net Operating Assets of 0.05 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 Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Kyoto Financial Group and its competitors. Kyoto Financial Group's current Scaled Net Operating Assets is 0.05. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Kyoto Financial Group stock overvalued right now?
Based on GuruFocus' analysis, Kyoto Financial Group (TSE:5844) is currently considered Modestly Undervalued. The stock's GF Value™ is 円5,864.47, compared to a current price of 円4,700.00 — trading 19.9% below its estimated fair value. The current Scaled Net Operating Assets is 0.05. Kyoto Financial Group's overall GF Score™ is 60/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Kyoto Financial Group (TSE:5844), the current Scaled Net Operating Assets is 0.05 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 Kyoto Financial Group (TSE:5844) Overvalued in 2026?

Based on GuruFocus' analysis, Kyoto Financial Group stock appears to be undervalued. The current stock price of 円4,700.00 is trading 19.9% below its estimated GF Value™ of 円5,864.47. GuruFocus considers Kyoto Financial Group to be Modestly Undervalued.

Key valuation signals for TSE:5844:

  • Scaled Net Operating Assets: 0.05
  • GF Value™: 円5,864.47 vs. price of 円4,700.00 (19.9% below fair value)
  • GF Score™: 60/100 with 6 warning signs

No single metric tells the full story. See the TSE:5844 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Kyoto Financial Group Business Description

Address 700 Yakushimaecho, Karasuma-dori Matsubaraagaru, Shimogyo-ku, Kyoto, JPN, 600-8652
Kyoto Financial Group Inc operates through its subsidiary Bank of Kyoto, which provides regional banking and other financial solutions. Its portfolio of offerings comprises savings accounts, investment trusts, deposits, mutual funds, credit and debit cards, and government bonds.
60GF Score

Get the complete analysis for TSE:5844

Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

円4,700.00
Price
円5,864.47
GF Value