Iyogin Holdings,Inc. (5830) AI Stock Analysis

• Market Cap: ¥723.77B
• Dividend Yield: 1.88%
• Average Volume (3M): 905.62K
• Price to Earnings (P/E): 10.5
• Beta (1Y): 1.27
• Revenue Growth: 5.72%
• EPS Growth: 61.14%
• Country: JP
• Employees: 3,019
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 42.49
• Shares Outstanding: 313,408,840
• 10 Day Avg. Volume: 838,750
• 30 Day Avg. Volume: 905,620
• PEG Ratio: 0.26
• Price to Book (P/B): 0.66
• Price to Sales (P/S): 3.02
• P/FCF Ratio: 16.83
• 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: Moderate Buy
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 75 Outperform
• Price Target: ¥2,600.00 ▲(12.09% Upside)

Iyogin Holdings, Inc. demonstrates a strong financial position with consistent revenue growth and profitability, which is the most significant factor in the score. Technical analysis indicates a bullish trend, although caution is advised due to overbought signals. The valuation is reasonable, providing a balanced investment opportunity.

Iyogin Holdings,Inc. Business Overview & Revenue Model

Company Description

Iyogin Holdings,Inc., together with its subsidiaries, provides banking and financial services. The company's loan portfolio consists of business, syndicate, agricultural, forestry, fisheries, equipment, and working capital loan. It also offers credit guarantee, bonds, financing, and pension services. In addition, the company engages in medical, hospital, nursing, and rebuilding facilities. Further, it offers M&A, ICT consulting, and trust related services. Additionally, the company provides internet banking, digital services, money management, payment collection, fund management, storage, credit and debit card, reconciliation, utility bill, and cash management services. Furthermore, it offers foreign exchange, remittance, software development, information processing, and currency deposit services. Iyogin Holdings,Inc. was founded in 1878 and is headquartered in Matsuyama, Japan.

How the Company Makes Money

Iyogin Holdings generates revenue through a combination of interest income from loans, fees from financial services, and investment income. The primary revenue streams include interest earned on personal and commercial loans, service fees for account maintenance, transaction fees, and advisory services. Additionally, the company may engage in wealth management and asset management services, further contributing to its income. Strategic partnerships with local enterprises and financial institutions enhance its service offerings and expand its customer base, thereby bolstering revenue growth.

Iyogin Holdings,Inc. Financial Statement Overview

Summary

Iyogin Holdings, Inc. shows a strong financial position with consistent revenue growth and profitability. The balance sheet reflects improved leverage and stable equity, while cash flow generation is robust, supporting future growth. However, operational efficiency and cash conversion could be areas for further enhancement.

Income Statement

Iyogin Holdings, Inc. has demonstrated solid revenue growth with an 8.18% increase in the latest year, indicating strong market performance. The net profit margin of 25.07% is robust, reflecting effective cost management and profitability. However, the EBIT and EBITDA margins have decreased compared to the previous year, suggesting potential challenges in operational efficiency.

Balance Sheet

The company's debt-to-equity ratio of 1.23 indicates moderate leverage, which is an improvement from previous years, showing better financial stability. Return on equity at 6.64% suggests reasonable profitability from shareholders' equity, although there is room for improvement. The equity ratio remains stable, indicating a balanced asset structure.

Cash Flow

Operating cash flow has improved significantly, covering 13.81% of net income, which is a positive sign of cash generation. Free cash flow growth is strong, but the free cash flow to net income ratio of 68.07% suggests that not all earnings are translating into free cash flow, indicating potential reinvestment or capital expenditure needs.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	198.00B	174.22B	139.16B	164.43B	126.77B	120.19B
Gross Profit	198.00B	170.45B	136.32B	143.60B	126.77B	120.19B
EBITDA	58.75B	81.19B	64.45B	46.64B	42.85B	30.89B
Net Income	67.26B	53.32B	39.46B	27.90B	26.42B	18.09B
Balance Sheet
Total Assets	9.22T	9.20T	9.26T	8.55T	8.54T	8.55T
Cash, Cash Equivalents and Short-Term Investments	0.00	1.12T	1.17T	1.37T	-1.52T	-1.42T
Total Debt	946.17B	988.22B	763.74B	762.62B	974.05B	1.10T
Total Liabilities	8.41T	8.40T	8.42T	7.79T	7.81T	7.81T
Stockholders Equity	808.76B	802.43B	842.74B	759.53B	724.68B	732.82B
Cash Flow
Free Cash Flow	0.00	31.28B	5.18B	-377.16B	1.00B	10.80B
Operating Cash Flow	0.00	45.95B	167.63B	-368.75B	6.77B	17.10B
Investing Cash Flow	0.00	134.86B	-481.44B	234.07B	89.18B	45.24B
Financing Cash Flow	0.00	163.72B	117.65B	-12.80B	1.89B	632.89B

Iyogin Holdings,Inc. Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 2319.50
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:5830, the sentiment is Positive. The current price of 2319.5 is above the 20-day moving average (MA) of 2243.95, above the 50-day MA of 2145.30, and above the 200-day MA of 1750.30, indicating a bullish trend. The MACD of 81.94 indicates Negative momentum. The RSI at 56.02 is Neutral, neither overbought nor oversold. The STOCH value of 72.24 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:5830.

Iyogin Holdings,Inc. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
8359	76 Outperform	$722.36B	14.07	5.13%	3.14%	7.25%	134.48%
5830	75 Outperform	¥723.77B	10.54	―	1.88%	5.72%	61.14%
8334	73 Outperform	$613.72B	13.20	8.39%	3.44%	7.15%	44.42%
8410	70 Neutral	¥272.88B	18.33	―	3.90%	4.01%	-42.81%
7180	68 Neutral	¥392.60B	11.21	4.96%	2.33%	8.46%	46.91%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
7337	65 Neutral	¥450.35B	12.10	―	3.48%	14.20%	29.96%

Iyogin Holdings,Inc. Corporate Events

Iyogin Holdings to Establish Loan Servicer in Shikoku

Iyogin Holdings, Inc. has announced the establishment of a wholly-owned loan servicer, Ishizuchi Turnaround Servicer Co., Ltd., headquartered in Shikoku. This initiative aims to support regional economic development by assisting companies in financial distress and enhancing the company’s financial service capabilities. The new entity will focus on claim management and receivables, with operations expected to commence in April 2026, though it is anticipated to have a minor impact on the company’s financial results for the fiscal year ending March 2026.

The most recent analyst rating on (JP:5830) stock is a Buy with a Yen2309.00 price target. To see the full list of analyst forecasts on Iyogin Holdings,Inc. stock, see the JP:5830 Stock Forecast page.

Iyogin Holdings Completes Treasury Share Disposal for Employee Incentives

Iyogin Holdings, Inc. has completed the payment procedures for the disposal of treasury shares as part of a restricted share incentive plan for employee stock ownership, following a resolution from the Board of Directors meeting on August 8, 2025. The number of shares and total disposal amount were adjusted due to partial forfeiture, reflecting the finalized number of participants in the incentive plan.

The most recent analyst rating on (JP:5830) stock is a Buy with a Yen2309.00 price target. To see the full list of analyst forecasts on Iyogin Holdings,Inc. stock, see the JP:5830 Stock Forecast page.

Iyogin Holdings Announces Treasury Share Disposal for Employee Incentives

Iyogin Holdings, Inc. has announced a plan to dispose of treasury shares as restricted share incentives for its employee stock ownership program. This initiative aims to align the interests of employees with shareholders, enhancing engagement and financial well-being by allowing employees to acquire company shares, thereby contributing to the sustainable enhancement of corporate value.

Iyogin Holdings Revises Financial Forecasts Upward for H1 2025

Iyogin Holdings, Inc. has revised its consolidated financial results forecasts for the six months ending September 30, 2025, reflecting a positive adjustment due to strategic securities trading by its subsidiary, The Iyo Bank, Ltd. The company anticipates a significant increase in ordinary income, ordinary profit, and profit attributable to owners of the parent, with percentage changes of 13.2%, 17.6%, and 33.9%, respectively, compared to previous forecasts. Despite these upward revisions, the forecasts for the fiscal year ending March 31, 2026, remain unchanged due to uncertainties in the financial market and economic conditions.