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Iyogin Holdings,Inc. (JP:5830)
:5830
Japanese Market
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Iyogin Holdings,Inc. (5830) AI Stock Analysis

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JP:5830

Iyogin Holdings,Inc.

(5830)

Rating:76Outperform
Price Target:
¥2,309.00
▲(13.97% Upside)
Iyogin Holdings, Inc. receives a strong overall score driven by robust financial performance and positive technical indicators. The stock's undervaluation and attractive dividend yield further enhance its appeal. While the RSI indicates overbought conditions, the overall trend remains positive, supporting a favorable outlook.

Iyogin Holdings,Inc. (5830) vs. iShares MSCI Japan ETF (EWJ)

Iyogin Holdings,Inc. Business Overview & Revenue Model

Company DescriptionIyogin 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 MoneyIyogin 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
75
Positive
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
65
Positive
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
70
Positive
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.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue174.48B226.06B136.32B164.43B126.77B120.19B
Gross Profit188.85B170.45B136.32B143.60B126.77B120.19B
EBITDA64.11B58.70B64.45B46.64B42.85B30.89B
Net Income53.35B53.32B39.46B27.90B26.42B18.09B
Balance Sheet
Total Assets9.20T9.20T9.26T8.55T8.54T8.55T
Cash, Cash Equivalents and Short-Term Investments1.12T1.12T1.17T1.37T-1.52T-1.42T
Total Debt988.22B988.22B763.74B685.12B974.05B1.10T
Total Liabilities8.40T8.40T8.42T7.79T7.81T7.81T
Stockholders Equity802.43B802.43B842.74B759.53B724.68B732.82B
Cash Flow
Free Cash Flow0.0031.28B5.18B-377.16B1.00B10.80B
Operating Cash Flow0.0045.95B167.63B-368.75B6.77B17.10B
Investing Cash Flow0.00134.86B-481.44B234.07B89.18B45.24B
Financing Cash Flow0.00163.72B117.65B-12.80B1.89B632.89B

Iyogin Holdings,Inc. Technical Analysis

Technical Analysis Sentiment
Positive
Last Price2026.00
Price Trends
50DMA
1818.15
Positive
100DMA
1688.09
Positive
200DMA
1631.34
Positive
Market Momentum
MACD
65.01
Positive
RSI
61.93
Neutral
STOCH
24.89
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 2026 is above the 20-day moving average (MA) of 2012.38, above the 50-day MA of 1818.15, and above the 200-day MA of 1631.34, indicating a bullish trend. The MACD of 65.01 indicates Positive momentum. The RSI at 61.93 is Neutral, neither overbought nor oversold. The STOCH value of 24.89 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

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
76
Outperform
¥616.35B8.98
1.97%5.72%61.14%
68
Neutral
$18.06B11.9710.24%3.74%9.75%1.30%
$4.15B12.118.39%
$4.74B12.935.13%3.28%
$2.59B5.224.96%
70
Outperform
¥429.05B11.53
3.15%14.20%29.96%
70
Neutral
¥282.45B18.97
3.82%4.01%-42.81%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
JP:5830
Iyogin Holdings,Inc.
2,026.00
731.29
56.48%
GMBKF
Gunma Bank
9.92
3.65
58.21%
HACBF
Hachijuni Bank
9.76
4.06
71.23%
KYUNF
Kyushu Financial Group
2.80
0.14
5.26%
JP:7337
Hirogin Holdings, Inc.
1,413.00
367.02
35.09%
JP:8410
Seven Bank, Ltd.
288.20
14.31
5.22%

Iyogin Holdings,Inc. Corporate Events

Iyogin Holdings Reports Strong Financial Growth
Feb 7, 2025

Iyogin Holdings, Inc. reported a significant increase in financial performance for the nine months ending December 31, 2024, with a 23% rise in ordinary revenues and a 40.1% increase in profit attributable to owners of the parent compared to the previous year. The company’s strong results highlight its solid market positioning and potential for future growth, as indicated by a projected increase in full-year ordinary revenues and profits for the fiscal year ending March 31, 2025.

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: Aug 29, 2025