Is 8361.T overvalued or undervalued?

8361.T currently has a P/E ratio of 17.95. Relative to the sector average of 15.50, this suggests the stock may be overvalued. A higher P/E than peers means investors are paying more for each unit of earnings, often because they expect faster future growth. However, if that growth does not materialize, the stock can appear overvalued. A lower P/E may indicate weaker growth expectations or higher risk, but it can also signal a potential valuation discount.

How can I buy The Ogaki Kyoritsu Bank, Ltd. stock?

The Ogaki Kyoritsu Bank, Ltd. trades on JPX. Investors in Latin America can buy it through international and regional brokerage and investment platforms. You simply need a valid government ID or passport to get started.

Can I buy fractional shares of 8361.T?

Yes. Through fractional investing, you can invest exactly the amount you want, starting with as little as $1 or $5 USD (depending on what investment platform you use), and own a proportional piece of the company.

Does buying 8361.T protect my money against local inflation?

Many investors in Latin America buy international stocks like 8361.T to protect their purchasing power. Because 8361.T is priced in foreign currency, your investment is tied to a hard currency. If your local currency devalues against the foreign currency, usually USD or Euro, the underlying value of your stock portfolio remains protected from local inflation.

Do I need a foreign bank account or a Visa to buy 8361.T shares?

No. A common misconception is that you need a foreign bank account or a foreign visa to invest in international stocks. Today, modern investment platforms allow you to fund your account using local bank transfers or local payment methods right from your home country.

Is 8361.T a suitable investment for my portfolio?

There is no universal answer, since fit depends on your situation, not just the stock. Think about three things: how well 8361.T diversifies what you already own, whether you can stomach its price swings given your risk tolerance, and how long you plan to stay invested. As a rule, a single stock works best as one piece of a broader asset allocation and with a multi-year time horizon. This is general information, not personalized financial advice.

All stocks8361.T

The Ogaki Kyoritsu Bank, Ltd.

¥1,818.00-¥53.00-2.83%

JPX / JPY

Market cap

¥373.4B

P/E

18.0

EPS (TTM)

¥0.64

Dividend yield

8.25%

Beta

0.45

1Y return

+159.34%

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Financials

The numbers behind the company

Revenue vs net income

RevenueNet income

$620M2021

$606M2022

$581M2023

$584M2024

$861M2025

Financial health

Gross margin

Operating margin

ROE

ROA

Debt to equity0.88Low
Current ratio4.89
Cash ratio4.89
Net margin14.4%
Free cash flow—

Valuation

Is it expensive right now

P/E vs the market

scale 0–50

0153050

8361.T18.0
Financial Services sector median15.5
S&P 50022.0

Trades about 16% above its sector, the market expects faster growth.

Ratios

PEG0.52
Price to book0.89
EPS (TTM)¥0.64
Payout ratio0%
FCF yield2.25%

Range & risk

¥675.00¥1944.00

Trading in the upper third of its 52-week band

Beta0.45

Profile

What The Ogaki Kyoritsu Bank, Ltd. actually does

Founded in 1896 and based in Ogaki, Japan, The Ogaki Kyoritsu Bank, Ltd. functions as a regional financial institution, offering a broad spectrum of banking solutions to customers within Japan and across international markets. Beyond its core banking activities, the company provides computing and software development services, conducts research on economic, industrial, information processing technology, and cultural topics, and offers credit guarantee and investigation services. Its diversified portfolio also includes real estate collateral appraisal, credit card services, and bank agency operations, alongside comprehensive document management from preparation and printing to receipt and dispatch. Furthermore, the bank maintains interests in leasing and securities trading. Its extensive network consists of 159 branches in total, with 155 located domestically and three situated abroad.

CEO

Takaharu Hayashi

Employees

2,959

Headquarters

Ogaki, GI

Founded

2001-01-01

Company website

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Community sentiment

Bullish—

Distribution

Bearish0%
Neutral0%
Bullish0%

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Q&A

Questions people ask

8361.T has a beta of 0.45, which indicates how sensitive it has historically been to movements in its broader market. A beta below 1 indicates lower relative volatility than the market. Beta is based on historical data and does not predict future performance.

The Ogaki Kyoritsu Bank, Ltd.