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

• Market Cap: ¥5.63B
• Dividend Yield: 2.92%
• Average Volume (3M): 7.30K
• Price to Earnings (P/E): 4.3
• Beta (1Y): 0.39
• Revenue Growth: 6.51%
• EPS Growth: 83.03%
• Country: JP
• Employees: 87
• Sector: Real Estate
• Sector Strength: 57
• Industry: Real Estate - Diversified
• EPS (TTM): 156.81
• Shares Outstanding: 6,167,000
• 10 Day Avg. Volume: 3,220
• 30 Day Avg. Volume: 7,300
• PEG Ratio: 0.05
• Price to Book (P/B): 0.46
• Price to Sales (P/S): 0.00
• P/FCF Ratio: -1.33
• 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

• Rating: 75 Outperform
• Price Target: ¥1,146.00 ▲(19.00%Upside)

S Trust Co., Ltd. has a strong financial foundation, supported by robust revenue growth and effective cash management, albeit with high leverage risk. The technical analysis indicates bullish momentum, though overbought conditions suggest caution. The valuation is attractive with a low P/E ratio and decent dividend yield, making it an appealing investment despite potential volatility.

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 financial performance with robust revenue and profit growth. The company maintains solid operational margins and effective cash flow management. However, the high debt-to-equity ratio indicates significant leverage, which poses a risk.

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	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021
Income Statement
Total Revenue	18.70B	19.22B	18.04B	15.62B	16.04B	16.67B
Gross Profit	3.77B	4.17B	3.43B	3.24B	2.83B	3.14B
EBITDA	1.89B	2.35B	1.28B	1.44B	843.00M	1.04B
Net Income	1.09B	1.34B	729.00M	838.00M	441.00M	548.00M
Balance Sheet
Total Assets	38.12B	43.92B	35.64B	30.85B	25.54B	28.70B
Cash, Cash Equivalents and Short-Term Investments	4.91B	10.26B	7.69B	6.21B	5.44B	6.32B
Total Debt	26.37B	20.98B	21.24B	20.12B	16.59B	18.44B
Total Liabilities	29.53B	34.38B	27.33B	23.16B	18.60B	22.14B
Stockholders Equity	8.59B	9.54B	8.31B	7.69B	6.94B	6.57B
Cash Flow
Free Cash Flow	0.00	2.99B	774.00M	-2.64B	973.00M	-4.92B
Operating Cash Flow	0.00	3.50B	1.70B	-1.82B	1.02B	-4.92B
Investing Cash Flow	0.00	-521.00M	-544.00M	-832.00M	73.00M	-13.00M
Financing Cash Flow	0.00	-409.00M	327.00M	3.42B	-1.97B	4.00B

S Trust Co., Ltd. Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 963.00
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• 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 Neutral. The current price of 963 is below the 20-day moving average (MA) of 989.95, above the 50-day MA of 957.36, and above the 200-day MA of 786.50, indicating a neutral trend. The MACD of -0.89 indicates Positive momentum. The RSI at 39.55 is Neutral, neither overbought nor oversold. The STOCH value of <0.01 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral 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
3248	83 Outperform	¥2.65B	11.18		524.85%	-31.48%	-60.03%
3280	75 Outperform	¥5.63B	4.26		2.92%	6.51%	83.03%
8940	73 Outperform	¥7.71B	3.99		722.06%	-0.58%	1546.93%
8927	70 Outperform	¥12.39B	12.46		2.62%	5.06%	-39.19%
Sector *	70 Neutral	¥231.55B	14.14	10.67%	19.67%	17.32%	17.90%
3246	63 Neutral	¥6.53B	27.16		3.75%	-21.68%	-77.48%
3469	39 Underperform	¥3.85B	―		1.27%	47.01%	98.52%