Iyogin Holdings,Inc. (5830) AI Stock Analysis

• Market Cap: ¥678.92B
• Dividend Yield: 1.79%
• Average Volume (3M): 777.29K
• Price to Earnings (P/E): 9.9
• Beta (1Y): 1.23
• Revenue Growth: 5.72%
• EPS Growth: 61.14%
• Country: JP
• Employees: 3,019
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 104.78
• Shares Outstanding: 313,408,840
• 10 Day Avg. Volume: 948,900
• 30 Day Avg. Volume: 777,293
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• 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: ¥2,309.00
• Price Target Upside: 3.06% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 0

• Rating: 76 Outperform
• Price Target: ¥2,309.00 ▲(3.06% 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. 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	174.48B	226.06B	136.32B	164.43B	126.77B	120.19B
Gross Profit	188.85B	170.45B	136.32B	143.60B	126.77B	120.19B
EBITDA	64.11B	58.70B	64.45B	46.64B	42.85B	30.89B
Net Income	53.35B	53.32B	39.46B	27.90B	26.42B	18.09B
Balance Sheet
Total Assets	9.20T	9.20T	9.26T	8.55T	8.54T	8.55T
Cash, Cash Equivalents and Short-Term Investments	1.12T	1.12T	1.17T	1.37T	-1.52T	-1.42T
Total Debt	988.22B	988.22B	763.74B	685.12B	974.05B	1.10T
Total Liabilities	8.40T	8.40T	8.42T	7.79T	7.81T	7.81T
Stockholders Equity	802.43B	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: 2240.50
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• 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 2240.5 is above the 20-day moving average (MA) of 2080.30, above the 50-day MA of 1946.76, and above the 200-day MA of 1668.77, indicating a bullish trend. The MACD of 62.56 indicates Negative momentum. The RSI at 73.56 is Negative, neither overbought nor oversold. The STOCH value of 78.74 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
5830	76 Outperform	¥678.92B	9.89	―	1.79%	5.72%	61.14%
7180	74 Outperform	401.29B	11.46	4.32%	2.30%	8.46%	46.91%
8334	72 Outperform	661.68B	13.86	7.80%	2.66%	7.15%	44.42%
7337	70 Outperform	445.78B	11.98	7.10%	3.51%	14.20%	29.96%
8410	70 Neutral	283.13B	19.01	―	3.79%	4.01%	-42.81%
8359	65 Neutral	718.47B	13.99	5.00%	2.68%	7.25%	134.48%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

Iyogin Holdings,Inc. Corporate Events

Iyogin Holdings Reports Strong Financial Growth

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.