Mebuki Financial Group (5EE) fair value: what the stock is really worth
As of Oct 23, 2026: fair value (intrinsic value) of Mebuki Financial Group stock €5.74, price €8.10, upside -29.1%, quality 56 out of 100. Rating: overvalued. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
Fair value above price?No
Good quality?Yes
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Oct 25, 2026.
How to read this chart
60‑month range €1.50 – €9.65 · fair‑value band €5.39 – €6.46 · the €8.10 price screens above the €5.74 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Oct 25, 2026.
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Mebuki Financial Group,Inc., together with its subsidiaries, provides banking products and financial services in Japan and internationally. It accepts various deposits; and provides loans and securities investment.
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The company also engages in the leasing, securities, credit guarantee, credit card, real estate rental, investment, financial products intermediary, regional trading company, and renewable energy related businesses; software development; and research and consulting services.
Mebuki Financial Group,Inc. was founded in 1935 and is headquartered in Chuo, Japan.
Stock analysis
Mebuki Financial Group (5EE) currently trades at €8.10, while our model-based Fair Value estimate is €5.74, 29.1% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of €6.63 per share, and 1 of the 6 models we run sit above the €8.10 price.
Bear case: the Dividend Discount group reads lowest at €1.95, and 5 of the 6 models stay below the price. Data coverage for this calculation is medium.
Scenario range: €5.39 (bear) to €6.46 (bull), the price of €8.10 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 56/100 (solid quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Mebuki Financial Group reported revenue of ¥338B in FY2026 versus ¥250B in FY2022, a compound +7.8%/yr. Reported net income was ¥84.2B in FY2026, compounding +18.3%/yr from FY2022.
Key figures
Market cap €7.6B Mid · P/E ratio 14.2 · P/S ratio 3.54 · EPS (TTM) €0.5700 · Dividend yield 2.0% · Net margin 24.9% · Return on equity 9.2% · Return on assets 0.4%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 63 out of 100 (low confidence).
What moves the price
The share trades about 16% below its 52-week high and 63% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −29% fair-value upside, at −29%, 5EE screens richer than that median.
Fair Value models
Bear€5.39Fair Value €5.74Bull€6.46
Price €8.10 · Upside -29.1%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2026 figures (about 7 months old). Earnings retained since then (€0.2340 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.42/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+22.1%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+5.2%
’22
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’26
What shareholders gained per year (last 5 years), in JPY (mathematically smoothed) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip. Measured in JPY: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
+41.2%
Earnings growth per share plus dividend.
Earnings per share, growth per year+39.2%
Dividend (yield on the price)2.0%
2026 sits 110% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 1052 stocks
Beats the industry median on 3/11 measures
Overall it trails its industry peers.
Valuation
Quality Score56 · Above median
Fair Value upside−29.1% · Below median
Profitability
Return on equity (12 months)9.2% · Below median
Return on assets0.4% · Bottom 25%
Net margin (12 months)25.5% · Below median
Operating margin (12 months)43.9% · Above median
Growth and dividend
Revenue growth (quarter YoY)42.7% · Top 25%
Dividend yield (12 months)2.0% · Below median
Valuation Multiplesvs Banks - Regional median · lower = cheaper
P/E (12 months)14.2× · Pricier than median
P/B1.24× · Pricier than median
P/S (12 months)3.54× · Pricier than median
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 15
FUTURE (revenue growth)100· sector 49
PAST (return on equity)37· sector 41
HEALTH (low debt)0· sector 85
DIVIDEND (yield)39· sector 52
VALUE 0: the price sits above our fair-value range.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Mebuki Financial Group Fair Value". https://www.fairvalue-calculator.com/stock/5EE
Frequently asked questions
Is Mebuki Financial Group (5EE) overvalued or undervalued?
As of Oct 25, 2026, our model estimates a fair value of €5.74 versus a price of €8.10, about −29% upside (overvalued).
What is the fair value of 5EE?
Our model-based fair value for Mebuki Financial Group is €5.74 (as of Oct 25, 2026), built from audited fundamentals. The current price: €8.10.
What is the quality score of 5EE?
Mebuki Financial Group has a Quality Score of 56/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Mebuki Financial Group (5EE)?
Our model-based price target is the fair value of €5.74 (as of Oct 25, 2026) from 6 valuation models. Cautious scenario €5.39, optimistic scenario €6.46. It is a calculation from audited fundamentals, not an analyst target.
What is the Mebuki Financial Group stock forecast for 2026?
Our models put fair value at €5.74, about −29% upside versus a price of €8.10 (overvalued). Cautious scenario €5.39, optimistic scenario €6.46. The calculation is refreshed regularly with new filings.
What is the revenue of Mebuki Financial Group (5EE)?
Mebuki Financial Group reported trailing-twelve-month revenue of about ¥378B (latest available figure, as of Oct 25, 2026).
Does Mebuki Financial Group pay a dividend?
Mebuki Financial Group currently shows a dividend yield of 1.97% relative to its recent price (as of Oct 25, 2026).
What is the intrinsic value of Mebuki Financial Group (5EE)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Mebuki Financial Group it is €5.74 per share (as of Oct 25, 2026), against a price of €8.10. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Mebuki Financial Group stock overvalued or undervalued in 2026?
As of Oct 25, 2026, 5EE trades above its calculated fair value: price €8.10, fair value €5.74, a gap of about −29% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of 5EE?
No. The price is what the market pays today (€8.10); the fair value is what the company's own numbers justify (€5.74). For Mebuki Financial Group the two are €2.36 per share apart. That gap is exactly why we show both numbers side by side.
How much is Mebuki Financial Group worth?
The market values Mebuki Financial Group at about €7.6B (market capitalisation, as of Oct 25, 2026). Per share that is €8.10; our models calculate a fair value of €5.74 per share.
What do the bullish and bearish scenarios say about 5EE?
Our models span a range for Mebuki Financial Group: cautious scenario €5.39, base €5.74, optimistic €6.46 per share (as of Oct 25, 2026, price €8.10). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 5EE?
Mebuki Financial Group trades at a price-to-earnings ratio of 14.2 (as of Oct 25, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of €5.74 is built from several models across several years. Other multiples: P/B 1.2, P/S 3.5.
How solid is the balance sheet of Mebuki Financial Group (5EE)?
Balance-sheet figures for Mebuki Financial Group (as of Oct 25, 2026): return on equity 9.2%. They feed the Quality Score of 56/100, which measures business quality independently of the share price.
How far is 5EE from its 52-week high?
Mebuki Financial Group trades at €8.10, about 16% below its 52-week high of €9.65 and 63% above the low of €4.96 (as of Oct 23, 2026). Distance from the high says nothing about value: that is what the fair value of €5.74 is for.
Which stocks are comparable to Mebuki Financial Group?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, UniCredit S.p.A, Intesa Sanpaolo S.p.A, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Mebuki Financial Group stock attractive at the current price?
The data as of Oct 25, 2026: price €8.10, calculated fair value €5.74 (−29%), Quality Score 56/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of 5EE calculated?
We run Mebuki Financial Group through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of €5.74, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 12.3 % above its aggregate fair value. Mebuki Financial Group itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Mebuki Financial Group (5EE)?
The closing price on Oct 23, 2026 was €8.10. Our model-based fair value is €5.74, about −29% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Mebuki Financial Group right now?
The price sits above even our optimistic bull case (€6.46). The favourable scenario is already priced in. Solid but not exceptional quality (56/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Mebuki Financial Group
How large is the market capitalisation of Mebuki Financial Group (5EE)?
The market capitalisation of Mebuki Financial Group is €7.6B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Mebuki Financial Group (5EE)?
The price-to-sales ratio of Mebuki Financial Group is 3.54 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Mebuki Financial Group (5EE)?
Earnings per share at Mebuki Financial Group are €0.5700 (price ÷ EPS = P/E 14.2). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Mebuki Financial Group (5EE)?
The dividend yield of Mebuki Financial Group is 2.0% (payout 28.0%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Mebuki Financial Group (5EE)?
The net margin of Mebuki Financial Group is 24.9% (fiscal year 2026). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Mebuki Financial Group (5EE)?
The return on equity (ROE) of Mebuki Financial Group is 9.2% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the return on assets of Mebuki Financial Group (5EE)?
The return on assets (ROA) of Mebuki Financial Group is 0.4% (last twelve months). Profit relative to everything the company owns. Harder to inflate than return on equity because debt does not boost it.
What is the operating margin of Mebuki Financial Group (5EE)?
The operating margin of Mebuki Financial Group is 43.9% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Mebuki Financial Group (5EE)?
Revenue at Mebuki Financial Group is growing +42.7% versus a year earlier (3y avg +5.2%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Mebuki Financial Group (5EE)?
Earnings per share at Mebuki Financial Group are growing +58.1% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Mebuki Financial Group (5EE) generate?
The free cash flow of Mebuki Financial Group is −¥1.1T (fiscal year 2026). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
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Oct 25, 2026