San ju San Financial Group, Inc. (JP:7322)
:7322
7322 Stock Chart & Stats
¥4655.00
¥16.00(0.70%)
At close: 4:00 PM EST
¥4655.00
¥16.00(0.70%)
Day’s Range― - ―
52-Week Range¥442.50 - ¥1,610.00
Previous CloseN/A
Volume83.30K
Average Volume (3M)62.76K
Market Cap
¥159.82B
Enterprise Value¥105.16B
Total Cash (Recent Filing)¥0.00
Total Debt (Recent Filing)¥329.86B
Price to Earnings (P/E)7.2
Beta1.10
Next Earnings
May 15, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield2.96%
Share Statistics
EPS (TTM)38.18
Shares Outstanding104,670,340
10 Day Avg. Volume70,050
30 Day Avg. Volume62,756
Financial Highlights & Ratios
PEG Ratio0.28
Price to Book (P/B)0.30
Price to Sales (P/S)1.01
P/FCF Ratio0.00
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Consistent Revenue GrowthSustained revenue growth near 7% signals expanding core banking activity and market share stability. Over a 2–6 month horizon this underpins recurring interest and fee income, supports loan book expansion, and provides runway for selective reinvestment without relying on volatile one-offs.
Strong Cash Conversion And ProfitabilityA healthy net margin combined with nearly 3x operating cash flow conversion indicates high earnings quality. Durable cash conversion bolsters internal funding for lending, dividends, and capital buffers, reducing dependency on external financing and improving resilience through economic cycles.
Improving Return On EquityROE improvement reflects better utilization of equity and enhanced profitability per unit of capital. This structural gain helps support shareholder returns and capital accumulation over time, making the bank better positioned to absorb credit losses while funding growth.
Bears Say
Moderate Leverage / Low Equity RatioA debt-to-equity ratio of 1.48 and a relatively low equity ratio mean higher financial leverage. For a regional bank this raises sensitivity to credit stress and regulatory capital requirements, limiting flexibility for aggressive lending or large dividends without strengthening capital buffers.
Slight EBIT Margin DeclineAn easing in EBIT margin points to operational pressure or rising costs that could persist. If efficiency trends continue, they may compress earnings potential, reduce incremental return on new loans, and constrain reinvestment capacity, making profitability improvements harder to sustain.
Historical Cash Flow VolatilityAlthough current cash conversion is strong, prior periods of negative cash flow reveal episodic volatility in liquidity generation. That variability can complicate capital planning and provisioning under stress, increasing reliance on external funding during adverse conditions.
San ju San Financial Group, Inc. News
7322 FAQ
What was San ju San Financial Group, Inc.’s price range in the past 12 months?
San ju San Financial Group, Inc. lowest stock price was ¥442.50 and its highest was ¥1610.00 in the past 12 months.
What is San ju San Financial Group, Inc.’s market cap?
San ju San Financial Group, Inc.’s market cap is ¥159.82B.
When is San ju San Financial Group, Inc.’s upcoming earnings report date?
San ju San Financial Group, Inc.’s upcoming earnings report date is May 15, 2026 which is in 37 days.
How were San ju San Financial Group, Inc.’s earnings last quarter?
San ju San Financial Group, Inc. released its earnings results on Feb 06, 2026. The company reported ¥38.182 earnings per share for the quarter, beating the consensus estimate of N/A by ¥38.182.
Is San ju San Financial Group, Inc. overvalued?
According to Wall Street analysts San ju San Financial Group, Inc.’s price is currently Overvalued.
Does San ju San Financial Group, Inc. pay dividends?
San ju San Financial Group, Inc. pays a Semiannually dividend of ¥64 which represents an annual dividend yield of 2.96%. See more information on San ju San Financial Group, Inc. dividends here
What is San ju San Financial Group, Inc.’s EPS estimate?
San ju San Financial Group, Inc.’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does San ju San Financial Group, Inc. have?
San ju San Financial Group, Inc. has 104,670,340 shares outstanding.
What happened to San ju San Financial Group, Inc.’s price movement after its last earnings report?
San ju San Financial Group, Inc. reported an EPS of ¥38.182 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went up 1.825%.
Which hedge fund is a major shareholder of San ju San Financial Group, Inc.?
Currently, no hedge funds are holding shares in JP:7322
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Company Description
San ju San Financial Group, Inc.
San ju San Financial Group,Inc. provides various banking products and services. It operates in two segments, Banking and Leasing. The Banking segment offers deposit products; government bond/investment trust products; and lending, domestic and foreign exchange, insurance window sales, and corporate bond entrustment and registration services. The leasing segment engages in leasing business. It is also involved in the credit card and credit guarantee businesses. The company was founded in 1895 and is headquartered in Yokkaichi, Japan.
Technical Analysis
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Options Prices
Currently, No data available
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