Chugin Financial Group,Inc.

5832 TSE Financials Banks
TSE Prime
¥3,508.00
-0.40%
Delayed · cached 15 min

Fair value analysis

5832
Chugin Financial Group,Inc.
FinancialsBanks
¥3,508.00
Close used for this calculation
¥5,079.48Fair value
Financial DNA Score
Profitability · Returns · Balance Sheet · Efficiency · Growth
51/100
Profitability17/25
Returns5/25
Balance Sheet11/25
Efficiency18/25
Growth23/25
Good
Quality radar
51Prof.17/25Ret.5/25Eff.18/25B.Sht11/25Growth23/25

Consensus fair value

¥5,079.48
Below FV
▲ +44.8% against the close used
Model range ¥719.14 – ¥7,162.02
The lowest and highest of the models that produced a value. This is the spread of the methods, not a price target.

Price target range & 52-week position

Bear¥719.14Fair value¥5,079.48Bull¥7,162.02
FairClose
52-week traded range
52W low ¥2,042.5052W high ¥3,574.00

The 52-week range is measured from the stored price history, not estimated.

Valuation summary

Trading below the consensus fair value

Chugin Financial Group,Inc. closed at ¥3,508.00, 30.9% below the consensus fair value of ¥5,079.48 drawn from 8 valuation models.

Financial DNA score 51/100 — Good. P/E of 15.7x against the 20x sector multiple the P/E model uses.

Quantitative summary only — not investment advice.

All valuation models

DCF Valuation
¥7,162.02
+104.2%
Σ[CF×(1+g)^n/(1.10)^n] + TV/(1.10)^10
g=9%, r=10%, tg=3%, n=10yr
Graham Number
¥4,194.93
+19.6%
√(22.5 × EPS × BVPS)
EPS=222.95, BVPS=3508
P/E Fair Value
¥4,459.00
+27.1%
EPS × 20x (sector P/E)
EPS=222.95, Sector P/E=20x
Peter Lynch (PEG)
¥5,502.41
+56.9%
EPS × Growth% (PEG = 1 is fair)
EPS=222.95, g=24.7%
Dividend Discount (DDM)
¥4,868.40
+38.8%
D1 ÷ (r − g) where D1 = D0×(1+g)
D0=90.16, r=10%, g=8%
Book Value (P/B)
¥719.14
-79.5%
BVPS × (ROE−g)÷(r−g) [Justified P/B — RIM-based]
BVPS=3508, ROE=6.8%, g=6%, r=10%
Reverse DCF
¥3,508.00
+0.0%
Solve for g: Price = Σ[EPS×(1+g)^n/(1.10)^n] + TV
Implied: 3.9% | Historical: 24.7%
Margin of Safety
¥3,953.99
+12.7%
Avg(DCF, Graham, P/E) × 75% (25% safety buffer)
Avg fair value=5271.98, MoS=25%

Computed on September 12, 2026 from the most recent annual report on file and that day's closing price. Where a company has seen its earnings move sharply since its last annual report, this figure will lag the market.

Educational data only. Not a recommendation to buy, sell or hold any security.

Educational data only. Not a recommendation to buy, sell or hold any security.