Iyogin Holdings,Inc. (5830) AI Stock Analysis

• Market Cap: ¥788.16B
• Dividend Yield: 2.11%
• Average Volume (3M): 905.62K
• Price to Earnings (P/E): 11.5
• Beta (1Y): 1.32
• Revenue Growth: 1.39%
• EPS Growth: 52.58%
• 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): 2.33
• 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: ¥2,888.00 ▲(11.03% Upside)

Iyogin Holdings, Inc. demonstrates strong financial performance with consistent revenue growth and robust cash flow generation. The technical analysis indicates strong bullish momentum, supported by a favorable valuation with a low P/E ratio and attractive dividend yield. These factors contribute to a solid overall stock score, although potential improvements in operational efficiency and cash conversion could enhance future performance.

Positive Factors

Revenue Growth

Consistent revenue growth indicates strong market performance and the ability to expand its customer base, supporting long-term business stability.

Cash Flow Generation

Strong cash flow generation enhances financial flexibility, allowing for reinvestment in growth opportunities and ensuring liquidity for operations.

Financial Stability

Improved leverage reflects a stronger balance sheet, reducing financial risk and enhancing the company's ability to withstand economic fluctuations.

Negative Factors

Operational Efficiency

Decreasing margins suggest challenges in maintaining cost efficiency, which could impact profitability if not addressed.

Cash Conversion

Lower cash conversion suggests that not all earnings are translating into free cash flow, potentially limiting funds available for shareholder returns or debt reduction.

Profitability

While profitability is reasonable, there is potential to enhance returns on equity, which could improve investor confidence and attract more capital.

Iyogin Holdings,Inc. Business Overview & Revenue Model

Company Description

Iyogin Holdings, Inc. (5830) is a diversified financial services company based in Japan, primarily engaged in banking, asset management, and investment services. The company operates across several sectors, including retail banking, corporate banking, and wealth management, providing a broad range of financial products and services to individual and corporate clients. Its core offerings include savings and checking accounts, loans, investment funds, and financial advisory services, aimed at enhancing the financial well-being of its customers.

How the Company Makes Money

Iyogin Holdings generates revenue through multiple channels, primarily from interest income on loans and service fees from its banking operations. The company earns interest income by extending various types of loans, including personal loans, business loans, and mortgages, to customers. Additionally, it generates income from fees associated with its asset management and investment services, including management fees from investment funds and advisory fees for wealth management services. Significant partnerships with corporate clients and strategic alliances within the financial sector also contribute to its earnings, enhancing its ability to cross-sell products and expand its customer base. Furthermore, Iyogin Holdings may benefit from ancillary services such as insurance and payment processing, which provide additional revenue streams.

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	226.06B	187.24B	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	29.95B
Net Income	67.27B	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: 2601.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• 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 2601 is above the 20-day moving average (MA) of 2535.85, above the 50-day MA of 2379.51, and above the 200-day MA of 1881.99, indicating a bullish trend. The MACD of 55.66 indicates Positive momentum. The RSI at 59.98 is Neutral, neither overbought nor oversold. The STOCH value of 43.99 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	¥777.98B	13.52	5.37%	2.88%	14.57%	100.81%
5830	75 Outperform	¥788.16B	11.54	―	2.11%	1.39%	52.58%
7180	75 Outperform	¥439.35B	11.84	4.93%	2.07%	12.96%	44.62%
7337	70 Outperform	¥489.13B	12.79	―	3.20%	19.82%	29.59%
8410	70 Neutral	¥293.96B	19.07	―	3.65%	3.30%	79.42%
8334	69 Neutral	¥674.04B	13.83	8.19%	3.11%	15.77%	27.55%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

Iyogin Holdings,Inc. Corporate Events

Iyogin Holdings Acquires Own Shares to Enhance Shareholder Value

Iyogin Holdings, Inc. has acquired 970,000 of its own shares for approximately ¥2.33 billion through market purchases on the Tokyo Stock Exchange. This move is part of a broader strategy approved by the Board of Directors to acquire up to 5 million shares, aiming to optimize capital structure and potentially increase shareholder value.

Iyogin Holdings to Acquire Shares from Untraceable Shareholders

Iyogin Holdings, Inc. has announced its decision to purchase shares held by untraceable shareholders as treasury stock, following a resolution by its Board of Directors. This move, set to take place on November 10, 2025, aims to consolidate its shareholding structure and potentially enhance shareholder value by reducing the number of outstanding shares.

Iyogin Holdings Announces Share Buyback to Enhance Corporate Value

Iyogin Holdings, Inc. has announced a decision to acquire up to 5,000,000 of its own shares, representing 1.70% of its total issued shares, to improve capital efficiency and enhance corporate value. This share buyback, with a budget of up to ¥7 billion, will be conducted via market purchases on the Tokyo Stock Exchange between November 11, 2025, and January 16, 2026, potentially impacting shareholder value and market perception.

Iyogin Holdings Increases Dividend Forecast Amid Strong Performance

Iyogin Holdings, Inc. announced an increase in its interim dividend and revised its year-end dividend forecast, reflecting a commitment to shareholder returns. The annual dividend for the fiscal year ending March 31, 2026, is expected to be ¥60 per share, an increase of ¥15 from the previous fiscal year, highlighting the company’s strong financial performance and strategic focus on growth.

Iyogin Holdings Revises Financial Forecasts Upward for FY 2026

Iyogin Holdings, Inc. announced an upward revision of its consolidated financial results forecast for the fiscal year ending March 31, 2026. This adjustment is attributed to strategic securities trading by The Iyo Bank, Ltd. and extraordinary income from changes in their advanced core system plans. The revised forecasts indicate significant growth in ordinary income, profit, and earnings per share, reflecting the company’s adaptive strategies in response to market dynamics.

Iyogin Holdings Reports Strong Half-Year Financial Results and Upward Forecast Revisions

Iyogin Holdings, Inc. reported a strong financial performance for the six months ending September 30, 2025, with a notable increase in ordinary income and profit attributable to owners. The company has revised its financial forecasts upward, reflecting a positive outlook for the fiscal year ending March 31, 2026, which indicates a robust growth trajectory and potential benefits for its stakeholders.

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.

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.