San ju San Financial Group,Inc.

7322 TSE Financials Banks
TSE Prime
¥2,033.00
-6.14%
Delayed · cached 15 min

Fair value analysis

7322
San ju San Financial Group,Inc.
FinancialsBanks
¥2,033.00
Close used for this calculation
¥2,722.98Fair value
Financial DNA Score
Profitability · Returns · Balance Sheet · Efficiency · Growth
42/100
Profitability17/25
Returns4/25
Balance Sheet3/25
Efficiency18/25
Growth25/25
Average
Quality radar
42Prof.17/25Ret.4/25Eff.18/25B.Sht3/25Growth25/25

Consensus fair value

¥2,722.98
Below FV
▲ +33.9% against the close used
Model range ¥1,248.53 – ¥7,772.57
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¥1,248.53Fair value¥2,722.98Bull¥7,772.57
FairClose
52-week traded range
52W low ¥853.7552W high ¥2,253.00

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

Valuation summary

Trading below the consensus fair value

San ju San Financial Group,Inc. closed at ¥2,033.00, 25.3% below the consensus fair value of ¥2,722.98 drawn from 8 valuation models.

Financial DNA score 42/100 — Average. P/E of 17.1x against the 20x sector multiple the P/E model uses.

Quantitative summary only — not investment advice.

All valuation models

DCF Valuation
¥2,354.29
+15.8%
Σ[CF×(1+g)^n/(1.10)^n] + TV/(1.10)^10
g=9%, r=10%, tg=3%, n=10yr
Graham Number
¥2,428.44
+19.5%
√(22.5 × EPS × BVPS)
EPS=118.61, BVPS=2209.78
P/E Fair Value
¥2,372.20
+16.7%
EPS × 20x (sector P/E)
EPS=118.61, Sector P/E=20x
Peter Lynch (PEG)
¥3,079.12
+51.5%
EPS × Growth% (PEG = 1 is fair)
EPS=118.61, g=26%
Dividend Discount (DDM)
¥7,772.57
+282.3%
D1 ÷ (r − g) where D1 = D0×(1+g)
D0=143.94, r=10%, g=8%
Book Value (P/B)
¥1,248.53
-38.6%
BVPS × (ROE−g)÷(r−g) [Justified P/B — RIM-based]
BVPS=2209.78, ROE=5.7%, g=6%, r=10%
Reverse DCF
¥2,033.00
+0.0%
Solve for g: Price = Σ[EPS×(1+g)^n/(1.10)^n] + TV
Implied: 5.1% | Historical: 26%
Margin of Safety
¥1,788.73
-12.0%
Avg(DCF, Graham, P/E) × 75% (25% safety buffer)
Avg fair value=2384.98, 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.