S Trust Co., Ltd. (JP:3280)
:3280
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S Trust Co., Ltd.
(3280)
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Rating:64Neutral
Price Target:
¥1,120.00
▲(4.67% Upside)
Action:ReiteratedDate:03/24/26
The score is supported primarily by improved recent financial performance (better margins and stronger free cash flow) and very attractive valuation (low P/E with a dividend). This is partly offset by elevated balance-sheet leverage and weak technicals (below major moving averages with negative MACD).
Positive Factors
Improved free cash flow generation
Free cash flow surged to roughly ¥3.0B in 2025 and covered about 85% of reported earnings, indicating stronger cash conversion versus prior years. Durable FCF improves ability to fund maintenance capex, dividends, and selective deleveraging without relying on new equity.
Negative Factors
Elevated leverage
Debt-to-equity near 2.2x leaves the company sensitive to refinancing risk and interest rate moves, especially in a capital-intensive real estate model. High leverage constrains strategic flexibility and increases vulnerability to asset-value and cash-flow shocks over multiple quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Improved free cash flow generation
Free cash flow surged to roughly ¥3.0B in 2025 and covered about 85% of reported earnings, indicating stronger cash conversion versus prior years. Durable FCF improves ability to fund maintenance capex, dividends, and selective deleveraging without relying on new equity.
Read all positive factors
S Trust Co., Ltd. (3280) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥6.61B
Dividend Yield2.73%
Average Volume (3M)5.76K
Price to Earnings (P/E)4.1
Beta (1Y)0.52
Revenue Growth62.88%
EPS Growth135.99%
CountryJP
Employees87
SectorReal Estate
Sector Strength53
IndustryReal Estate - Diversified
Share Statistics
EPS (TTM)64.93
Shares Outstanding6,167,000
10 Day Avg. Volume4,740
30 Day Avg. Volume5,760
Financial Highlights & Ratios
PEG Ratio0.04
Price to Book (P/B)0.48
Price to Sales (P/S)0.24
P/FCF Ratio1.54
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
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...
S Trust Co., Ltd. Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
55
Neutral
Cash Flow
60
Neutral
| Breakdown | TTM | Feb 2025 | Feb 2024 | Feb 2023 | Feb 2022 | Feb 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 29.17B | 19.22B | 18.04B | 15.62B | 16.04B | 16.67B |
| Gross Profit | 5.99B | 4.17B | 3.43B | 3.24B | 2.83B | 3.14B |
| EBITDA | 3.61B | 2.35B | 1.28B | 1.46B | 843.00M | 1.04B |
| Net Income | 2.26B | 1.34B | 729.00M | 838.00M | 441.00M | 548.00M |
Balance Sheet | ||||||
| Total Assets | 36.97B | 43.92B | 35.64B | 30.85B | 25.54B | 28.70B |
| Cash, Cash Equivalents and Short-Term Investments | 6.47B | 10.26B | 7.69B | 6.21B | 5.44B | 6.32B |
| Total Debt | 23.15B | 20.98B | 21.24B | 20.12B | 16.59B | 18.44B |
| Total Liabilities | 26.45B | 34.38B | 27.33B | 23.16B | 18.60B | 22.14B |
| Stockholders Equity | 10.53B | 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
Positive
1070.00
Price Trends
1108.82
Positive
1083.77
Positive
1092.11
Positive
Market Momentum
-6.19
Negative
55.37
Neutral
74.54
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:3280, the sentiment is Positive. The current price of 1070 is below the 20-day moving average (MA) of 1076.25, below the 50-day MA of 1108.82, and below the 200-day MA of 1092.11, indicating a bullish trend. The MACD of -6.19 indicates Negative momentum. The RSI at 55.37 is Neutral, neither overbought nor oversold. The STOCH value of 74.54 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:3280.
S Trust Co., Ltd. Peers Comparison
UnderperformOutperform
Sector (65)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | ¥18.73B | 3.07 | ― | 4.71% | 10.42% | 48.21% | |
75 Outperform | ¥21.38B | 20.76 | ― | 3.69% | 84.40% | 142.34% | |
65 Neutral | $2.17B | 12.19 | 3.79% | 4.94% | 3.15% | 1.96% | |
64 Neutral | ¥6.61B | 4.10 | ― | 2.73% | 62.88% | 135.99% | |
57 Neutral | ¥53.55B | -26.35 | ― | 3.75% | -8.66% | -53.57% | |
57 Neutral | ¥15.38B | 114.89 | ― | 1.11% | ― | ― | |
50 Neutral | ¥6.61B | 9.72 | ― | 3.17% | 5.99% | -35.12% |
* Real Estate Sector Average
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S Trust Co., Ltd. Corporate Events
S Trust Posts Strong Nine-Month Profit Surge and Hikes Dividend Outlook
Jan 9, 2026
S Trust Co., Ltd. reported a sharp increase in performance for the nine months ended November 30, 2025, with net sales nearly doubling year on year to ¥19.6 billion and net income attributable to owners of the parent surging 264.4% to ¥1...
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.