Iyogin Holdings,Inc. (5830) AI Stock Analysis

• Market Cap: ¥1.03T
• Dividend Yield: 2.1%
• Average Volume (3M): 905.62K
• Price to Earnings (P/E): 13.9
• Beta (1Y): 1.39
• Revenue Growth: 1.39%
• EPS Growth: 52.58%
• Country: JP
• Employees: 3,019
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 72.87
• 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: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): 216.6
• Revenue Forecast (FY): ¥130.50B

• Rating: 69 Neutral
• Price Target: ¥3,728.00 ▲(37.64% Upside)
• Action: Downgraded Date: 02/11/26
• Date: Action: Downgraded 02/11/26

The score is driven primarily by solid financial performance (good revenue growth and strong profitability, with some margin and cash-conversion pressure). Technicals are supportive due to a strong uptrend, but very high RSI/Stoch readings add pullback risk. Valuation is fair with a moderate P/E and modest dividend yield.

Positive Factors

Revenue and Profitability Growth

Consistent revenue growth (8.18%) combined with a robust net margin (25.07%) signals durable earnings power from core banking and fee businesses. Over 2-6 months this supports reinvestment, stability in earnings and resilience to cyclical headwinds if growth persists.

Improving Cash Generation

Improved operating cash flow and strong free cash flow growth enhance financial flexibility, enabling the firm to fund capex, pay down debt or sustain shareholder distributions. Durable cash generation underpins capital allocation and reduces reliance on external funding.

Diversified Financial Services Model

A multi-line financial services model (retail and corporate banking, asset management, wealth advisory) creates multiple revenue streams and cross-sell opportunities, lowering single-product concentration risk and supporting steadier revenue over longer cycles.

Negative Factors

Declining Operating Margins

Falling EBIT/EBITDA margins indicate emerging efficiency pressures that can persist absent cost or pricing adjustments. If structural, margin erosion reduces the cushion for shocks and can meaningfully lower free cash flow and return on capital over the medium term.

Imperfect Cash Conversion

A ~68% free cash flow to net income ratio shows a meaningful portion of accounting earnings aren't converting to free cash. Persistent conversion shortfall can constrain debt paydown, dividends or reinvestment and reduces true liquidity available for strategic moves.

Moderate Leverage and Modest ROE

Moderate leverage (D/E 1.23) limits balance sheet flexibility in stress periods, while an ROE of 6.64% is modest and suggests limited efficiency in generating shareholder returns. Together they can constrain growth investments and leave less room for shocks.

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 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

Financial statements are solid overall: revenue grew 8.18% and net margin is strong at 25.07%. Balance sheet leverage is moderate (debt-to-equity 1.23) with reasonable ROE (6.64%). Cash flow improved and free cash flow growth is strong, though cash conversion is not perfect (free cash flow to net income 68.07%) and EBIT/EBITDA margins declined, pointing to some efficiency pressure.

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	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021
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: 2708.50
• 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 2708.5 is below the 20-day moving average (MA) of 3317.42, below the 50-day MA of 2950.04, and above the 200-day MA of 2215.75, indicating a bullish trend. The MACD of 120.33 indicates Positive momentum. The RSI at 57.83 is Neutral, neither overbought nor oversold. The STOCH value of 30.01 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
8387	74 Outperform	¥100.83B	6.00	―	3.05%	8.75%	-12.68%
8541	72 Outperform	¥73.96B	10.46	―	2.34%	-0.97%	27.62%
8418	70 Outperform	¥538.04B	14.90	6.09%	2.93%	5.87%	50.22%
7337	70 Outperform	¥589.05B	14.62	―	3.21%	19.82%	29.59%
5830	69 Neutral	¥1.03T	13.90	―	2.10%	1.39%	52.58%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
8416	65 Neutral	¥12.24B	2,527.73	―	2.74%	7.74%	-92.49%

Iyogin Holdings,Inc. Corporate Events

Iyogin Holdings Launches ¥10 Billion Share Buyback to Lift Capital Efficiency

Iyogin Holdings, Inc. has approved a share buyback program under Japan’s Companies Act aimed at boosting corporate value by improving capital efficiency. The company plans to repurchase up to 5 million common shares, equivalent to 1.71% of its issued shares excluding treasury stock, through market purchases on the Tokyo Stock Exchange between February 12 and April 17, 2026, with a maximum outlay of ¥10 billion.

The move follows an existing level of 22,542,360 treasury shares as of December 31, 2025, including stock held in a trust for share-based remuneration. By tightening its share base and deploying capital to repurchases, Iyogin is signaling a shareholder-friendly stance that may support its share price and refine its capital structure, potentially strengthening its competitive position within Japan’s regional financial sector.

The most recent analyst rating on (JP:5830) stock is a Buy with a Yen3555.00 price target. To see the full list of analyst forecasts on Iyogin Holdings,Inc. stock, see the JP:5830 Stock Forecast page.

Iyogin Holdings Lifts Full-Year Earnings Forecast on Strong Securities Operations

Iyogin Holdings revised its consolidated forecast for the fiscal year ending March 31, 2026, projecting ordinary income of ¥255 billion, ordinary profit of ¥98 billion, and profit attributable to owners of the parent of ¥73 billion. These represent increases of 5.4%, 10.7%, and 10.6%, respectively, over its previous guidance, with basic earnings per share expected to rise to ¥250.97.

The group’s core subsidiary, The Iyo Bank, Ltd., also raised its non-consolidated outlook, driven mainly by flexible buying and selling of securities in response to market conditions. The upgrades indicate stronger-than-anticipated performance in securities operations, reinforcing Iyogin’s earnings momentum versus the prior fiscal year and signaling improved profitability for shareholders and other stakeholders.

The most recent analyst rating on (JP:5830) stock is a Buy with a Yen3555.00 price target. To see the full list of analyst forecasts on Iyogin Holdings,Inc. stock, see the JP:5830 Stock Forecast page.

Iyogin Holdings Lifts Earnings Outlook on Strong Nine-Month Results and Higher Dividend Plan

Iyogin Holdings reported strong consolidated results for the nine months ended December 31, 2025, with ordinary income up 13.6% year-on-year to ¥203.2 billion and ordinary profit up 30.1% to ¥85.9 billion, while profit attributable to owners of the parent surged 39.7% to ¥64.5 billion and basic earnings per share rose to ¥220.14. Total assets expanded to ¥9.39 trillion and the equity-to-asset ratio improved to 9.3%, the company lifted its full-year forecast to ¥255 billion in ordinary income and ¥73 billion in profit attributable to owners, and it plans to raise annual dividends to ¥60 per share, supported by ongoing share repurchases that reduced average shares outstanding.

The most recent analyst rating on (JP:5830) stock is a Buy with a Yen3555.00 price target. To see the full list of analyst forecasts on Iyogin Holdings,Inc. stock, see the JP:5830 Stock Forecast page.

Iyogin Holdings Nearly Fully Utilizes ¥7 Billion Share Buyback Authorization

Iyogin Holdings has completed a share buyback program authorized by its board on November 7, 2025, acquiring 593,500 of its own common shares between January 1 and January 16, 2026 via market purchases on the Tokyo Stock Exchange for a total of ¥1,617,454,700. Under the overall authorization, which allowed purchases of up to 5 million shares or ¥7 billion through January 16, the company cumulatively bought back 2,750,900 shares for approximately ¥6.999 billion, indicating an almost full use of the approved budget and signaling management’s ongoing focus on capital policy and shareholder value enhancement.

The most recent analyst rating on (JP:5830) stock is a Buy with a Yen3179.00 price target. To see the full list of analyst forecasts on Iyogin Holdings,Inc. stock, see the JP:5830 Stock Forecast page.

Iyogin Holdings Details Progress of Share Buyback Program

Iyogin Holdings has disclosed the status of its ongoing share buyback program, reporting that it acquired 1,187,400 of its own common shares on the Tokyo Stock Exchange between December 1 and December 31, 2025, at a total cost of approximately ¥3.05 billion. Under a board resolution authorizing repurchases of up to 5 million shares or ¥7 billion through January 16, 2026, the company had cumulatively bought back 2,157,400 shares for about ¥5.38 billion by the end of December, signaling an active capital management stance aimed at enhancing shareholder returns and potentially improving capital efficiency.

The most recent analyst rating on (JP:5830) stock is a Buy with a Yen2888.00 price target. To see the full list of analyst forecasts on Iyogin Holdings,Inc. stock, see the JP:5830 Stock Forecast page.

Iyogin Holdings 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.

The most recent analyst rating on (JP:5830) stock is a Buy with a Yen2888.00 price target. To see the full list of analyst forecasts on Iyogin Holdings,Inc. stock, see the JP:5830 Stock Forecast page.