S Trust Co., Ltd. (3280) AI Stock Analysis

• Market Cap: ¥6.33B
• Dividend Yield: 2.63%
• Average Volume (3M): 12.19K
• Price to Earnings (P/E): 2.8
• Beta (1Y): 0.45
• Revenue Growth: 62.88%
• EPS Growth: 135.99%
• Country: JP
• Employees: 87
• Sector: Real Estate
• Sector Strength: 53
• Industry: Real Estate - Diversified
• EPS (TTM): 18.75
• Shares Outstanding: 6,167,000
• 10 Day Avg. Volume: 4,050
• 30 Day Avg. Volume: 12,193
• PEG Ratio: 0.04
• Price to Book (P/B): 0.48
• Price to Sales (P/S): 0.24
• P/FCF Ratio: 1.54
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 76 Outperform
• Price Target: ¥1,357.00 ▲(26.82% Upside)

S Trust Co., Ltd. benefits from strong financial performance and attractive valuation, although high leverage poses a risk. The technical indicators suggest a possible short-term correction due to overbought conditions. Overall, the stock is fundamentally strong within the real estate sector.

S Trust Co., Ltd. Business Overview & Revenue Model

Company Description

S Trust Co., Ltd. (3280) is a Japanese company primarily engaged in the real estate sector. The company focuses on real estate securitization and investment, offering services that include asset management and real estate brokerage. S Trust Co., Ltd. provides comprehensive solutions for institutional and individual investors, leveraging its expertise in real estate management and financial services to optimize investment returns.

How the Company Makes Money

S Trust Co., Ltd. generates revenue through a diverse array of services centered around real estate. The primary revenue streams include fees and commissions from real estate brokerage and asset management services. The company also earns income from its real estate investment trust (REIT) operations, where it manages a portfolio of properties and distributes profits to investors. Additionally, S Trust Co., Ltd. may engage in direct real estate investments, generating income through rental yields and property sales. Strategic partnerships with financial institutions and other real estate firms further bolster its revenue by expanding its service offerings and enhancing its market presence.

S Trust Co., Ltd. Financial Statement Overview

Summary

S Trust Co., Ltd. shows strong revenue and profit growth with solid operational margins. However, the high debt-to-equity ratio indicates significant leverage risk, despite improved return on equity and excellent cash flow management.

Income Statement

S Trust Co., Ltd. demonstrated strong revenue growth of 6.51% from the previous year, reaching 19.22 billion JPY in 2025. The gross profit margin improved to 21.71%, indicating efficient cost management. Net profit margin increased to 6.97%, reflecting enhanced profitability. The company also showed a solid EBIT margin of 10.40% and EBITDA margin of 12.20%, suggesting robust operational performance.

Balance Sheet

The company's balance sheet shows a high debt-to-equity ratio of 2.20, indicating significant leverage, which poses a potential risk. However, the return on equity improved to 14.04%, showcasing effective use of equity capital. The equity ratio stands at 21.71%, suggesting a moderate reliance on equity financing.

Cash Flow

S Trust Co., Ltd. achieved a substantial increase in free cash flow, showing a growth rate of 285.53%. The operating cash flow to net income ratio of 2.61 indicates strong cash generation relative to net income. The free cash flow to net income ratio of 2.23 further emphasizes effective cash management. However, past fluctuations in cash flow remain a concern.

Breakdown	TTM	Dec 2024	Dec 2022	Dec 2021	Dec 2020	Dec 2018
Income Statement
Total Revenue	24.75B	19.22B	15.62B	16.04B	16.67B	15.66B
Gross Profit	5.52B	4.17B	3.24B	2.83B	3.14B	3.21B
EBITDA	3.40B	2.35B	1.46B	843.00M	1.04B	1.47B
Net Income	2.07B	1.34B	838.00M	441.00M	548.00M	891.00M
Balance Sheet
Total Assets	35.85B	43.92B	30.85B	25.54B	28.70B	22.59B
Cash, Cash Equivalents and Short-Term Investments	5.85B	10.26B	6.21B	5.44B	6.32B	7.30B
Total Debt	20.84B	20.98B	20.12B	16.59B	18.44B	11.51B
Total Liabilities	25.46B	34.38B	23.16B	18.60B	22.14B	16.61B
Stockholders Equity	10.38B	9.54B	7.69B	6.94B	6.57B	5.99B
Cash Flow
Free Cash Flow	0.00	2.99B	-2.64B	973.00M	-4.92B	-2.68B
Operating Cash Flow	0.00	3.50B	-1.82B	1.02B	-4.92B	-2.36B
Investing Cash Flow	0.00	-521.00M	-832.00M	73.00M	-13.00M	-304.00M
Financing Cash Flow	0.00	-409.00M	3.42B	-1.97B	4.00B	4.58B

S Trust Co., Ltd. Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 1070.00
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:3280, the sentiment is Negative. The current price of 1070 is below the 20-day moving average (MA) of 1084.80, below the 50-day MA of 1138.68, and above the 200-day MA of 979.18, indicating a neutral trend. The MACD of -20.53 indicates Negative momentum. The RSI at 33.23 is Neutral, neither overbought nor oversold. The STOCH value of 16.03 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for JP:3280.

S Trust Co., Ltd. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
3280	76 Outperform	¥6.33B	2.84	―	2.63%	62.88%	135.99%
3469	70 Neutral	¥3.79B	27.05	―	1.38%	61.76%	―
3246	69 Neutral	¥7.08B	39.63	―	3.44%	7.94%	-51.94%
3248	67 Neutral	¥2.65B	11.71	―	4.34%	-30.74%	-59.99%
Sector *	65 Neutral	$2.17B	12.19	3.79%	4.94%	3.15%	1.96%
8927	62 Neutral	¥14.79B	7.57	―	2.48%	44.91%	37.67%
8940	55 Neutral	¥8.56B	5.00	―	3.01%	18.96%	24.18%

S Trust Co., Ltd. Corporate Events

S Trust Co., Ltd. Reports Strong Quarterly Growth Amid Cautious Annual Outlook

S Trust Co., Ltd. reported a significant increase in its consolidated financial results for the three months ended May 31, 2025, with net sales rising by 166% compared to the previous year. The company also saw substantial growth in operating and ordinary income, reflecting a strong performance in the real estate sector. Despite the impressive quarterly results, the company maintains a cautious outlook for the full fiscal year ending February 28, 2026, due to potential fluctuations in property delivery timings.