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S Trust Co., Ltd. (JP:3280)
:3280
Japanese Market
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S Trust Co., Ltd. (3280) AI Stock Analysis

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JP:3280

S Trust Co., Ltd.

(3280)

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Neutral 49 (OpenAI - 5.2)
Rating:49Neutral
Price Target:
¥973.00
▼(-9.07% Downside)
Action:ReiteratedDate:04/14/26
The score is held back primarily by volatile and recently negative cash flow alongside high and rising leverage, plus a clearly bearish technical trend. These risks are partially offset by an inexpensive valuation (low P/E) and a moderate dividend yield.
Positive Factors
Stable rental income model
The core leasing and property management business produces recurring rental and fee income, creating a predictable cash base over intermediate horizons. Securitization and occasional asset sales provide complementary liquidity channels, supporting revenue stability through real estate cycles and tenant turnover.
Negative Factors
High and rising leverage
A heavily levered capital structure raises refinancing and interest-rate sensitivity for a real-estate operator. Rising absolute debt amplifies exposure to asset-value swings and limits strategic flexibility, increasing the probability that cyclical downturns will force asset sales or equity issuance to stabilize funding.
Read all positive and negative factors
Positive Factors
Negative Factors
Stable rental income model
The core leasing and property management business produces recurring rental and fee income, creating a predictable cash base over intermediate horizons. Securitization and occasional asset sales provide complementary liquidity channels, supporting revenue stability through real estate cycles and tenant turnover.
Read all positive factors

S Trust Co., Ltd. (3280) vs. iShares MSCI Japan ETF (EWJ)

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

Company Description
S Trust Co., Ltd. (3280) is a prominent financial services company based in Japan, specializing in asset management, trust banking, and investment advisory services. The company operates primarily in the financial sector, offering a range of produ...
How the Company Makes Money
S Trust Co., Ltd. generates revenue primarily through the leasing of its real estate portfolio, including commercial and residential properties. It earns rental income from tenants, such as businesses or individuals, occupying their properties. Ad...

S Trust Co., Ltd. Financial Statement Overview

Summary
Profitability improved from 2022–2025 and ROE rose into 2026, but 2026 shows a steep revenue decline and weaker margins. The balance sheet is highly levered with rising debt, and cash flow is the biggest concern with 2026 operating and free cash flow sharply negative despite positive net income, indicating weak cash conversion and higher funding risk.
Income Statement
58
Neutral
Balance Sheet
46
Neutral
Cash Flow
34
Negative
BreakdownTTMFeb 2026Feb 2025Feb 2024Feb 2023Feb 2022
Income Statement
Total Revenue29.17B22.31B19.22B18.04B15.62B16.04B
Gross Profit5.99B4.61B4.17B3.43B3.24B2.83B
EBITDA3.61B2.29B2.35B1.28B1.46B843.00M
Net Income2.26B1.42B1.34B729.00M838.00M441.00M
Balance Sheet
Total Assets36.97B37.66B43.92B35.64B30.85B25.54B
Cash, Cash Equivalents and Short-Term Investments6.47B7.87B10.26B7.69B6.21B5.44B
Total Debt23.15B24.09B20.98B21.24B20.12B16.59B
Total Liabilities26.45B26.84B34.38B27.33B23.16B18.60B
Stockholders Equity10.53B10.82B9.54B8.31B7.69B6.94B
Cash Flow
Free Cash Flow0.00-5.76B2.99B774.00M-2.64B973.00M
Operating Cash Flow0.00-5.64B3.50B1.70B-1.82B1.02B
Investing Cash Flow0.00356.00M-521.00M-544.00M-832.00M73.00M
Financing Cash Flow0.002.89B-409.00M327.00M3.42B-1.97B

S Trust Co., Ltd. Technical Analysis

Technical Analysis Sentiment
Negative
Last Price1070.00
Price Trends
50DMA
1093.12
Negative
100DMA
1081.93
Negative
200DMA
1094.36
Negative
Market Momentum
MACD
-28.15
Positive
RSI
39.77
Neutral
STOCH
10.99
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 above the 20-day moving average (MA) of 1052.10, below the 50-day MA of 1093.12, and below the 200-day MA of 1094.36, indicating a bearish trend. The MACD of -28.15 indicates Positive momentum. The RSI at 39.77 is Neutral, neither overbought nor oversold. The STOCH value of 10.99 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

Overall Rating
UnderperformOutperform
Sector (65)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
75
Outperform
¥20.55B20.763.69%96.95%262.13%
65
Neutral
$2.17B12.193.79%4.94%3.15%1.96%
60
Neutral
¥15.38B6.961.11%-40.94%-50.77%
52
Neutral
¥14.81B-9.974.71%5.02%-15.86%
50
Neutral
¥6.57B2.323.17%31.34%103.95%
50
Neutral
¥43.35B-26.353.75%-4.28%-60.96%
49
Neutral
¥5.73B-90.092.73%16.10%5.75%
* Real Estate Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
JP:3280
S Trust Co., Ltd.
963.00
60.48
6.70%
JP:3242
Urbanet Corporation Co., Ltd.
547.00
102.01
22.92%
JP:3246
KOSE R.E. Co., Ltd.
647.00
15.86
2.51%
JP:3475
Good Com Asset Co.,Ltd.
1,462.00
302.26
26.06%
JP:8918
LAND Co., Ltd.
10.00
3.00
42.86%
JP:8931
WADAKOHSAN CORPORATION
1,334.00
0.26
0.02%

S Trust Co., Ltd. Corporate Events

S Trust Lifts Dividend as FY2026 Profit Rises but Signals Earnings Slowdown
Apr 10, 2026
S Trust Co., Ltd. reported consolidated net sales of ¥22.3 billion for the fiscal year ended February 28, 2026, up 16.1% year on year, while operating income rose 4.8% to ¥2.1 billion and net income attributable to owners of the parent i...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Apr 14, 2026