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Iyogin Holdings,Inc.
(5830)
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Rating:67Neutral
Price Target:
¥3,918.00
▲(44.66% Upside)
Action:Reiterated
Date:05/09/26
Overall score is driven primarily by constructive fundamentals with strong income-statement momentum, offset by balance-sheet leverage variability and uneven cash-flow conversion. Valuation is a meaningful positive (low P/E with a moderate yield), while technical indicators are neutral-to-mixed and do not add strong support.
Positive Factors
Revenue & Earnings Growth
Consistent multi-year revenue and net income growth with improving margins demonstrates scalable core banking operations and stronger fee/interest income mix. This durable momentum implies expanding customer activity and improved earnings power that can support reinvestment and capital returns over the next several quarters.
Negative Factors
Variable Leverage Profile
Significant year-to-year swings in debt and a meaningful debt-to-equity range point to a volatile funding and capital structure. This variability raises structural funding and refinancing risk, reduces financial flexibility, and can amplify stress in adverse credit or rate environments over a medium-term horizon.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue & Earnings Growth
Consistent multi-year revenue and net income growth with improving margins demonstrates scalable core banking operations and stronger fee/interest income mix. This durable momentum implies expanding customer activity and improved earnings power that can support reinvestment and capital returns over the next several quarters.
Read all positive factors
Iyogin Holdings,Inc. (5830) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥1.10T
Dividend Yield1.65%
Average Volume (3M)905.62K
Price to Earnings (P/E)14.3
Beta (1Y)1.27
Revenue Growth8.96%
EPS Growth42.62%
CountryJP
Employees3,098
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)253.79
Shares Outstanding313,408,840
10 Day Avg. Volume838,750
30 Day Avg. Volume905,620
Financial Highlights & Ratios
PEG Ratio0.26
Price to Book (P/B)0.94
Price to Sales (P/S)3.05
P/FCF Ratio23.01
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)290.9
Revenue Forecast (FY)¥221.85B
Iyogin Holdings,Inc. Business Overview & Revenue Model
Company Description
Iyogin Holdings, Inc., together with its various subsidiaries, functions as a comprehensive provider of banking and financial services. Its diverse lending portfolio spans commercial, syndicated, agricultural, forestry, and fisheries loans, alongs...
How the Company Makes Money
Iyogin Holdings makes money mainly through the earnings generated by its banking operations, consolidated under the holding company. Key revenue streams typically include: (1) net interest income, earned from the spread between interest received o...
Iyogin Holdings,Inc. Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
62
Positive
Cash Flow
54
Neutral
| Breakdown | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 271.15B | 227.82B | 189.42B | 158.10B | 129.45B |
| Gross Profit | 218.98B | 171.08B | 136.67B | 140.93B | 122.68B |
| EBITDA | 112.35B | 81.19B | 64.45B | 46.64B | 42.85B |
| Net Income | 74.25B | 53.32B | 39.46B | 27.90B | 26.42B |
Balance Sheet | |||||
| Total Assets | 9.54T | 9.20T | 9.26T | 8.55T | 8.54T |
| Cash, Cash Equivalents and Short-Term Investments | 1.29T | 1.12T | 1.17T | 1.37T | -1.52T |
| Total Debt | 1.00T | 988.22B | 1.80T | 1.05T | 974.05B |
| Total Liabilities | 8.66T | 8.40T | 8.42T | 7.79T | 7.81T |
| Stockholders Equity | 877.73B | 802.43B | 842.74B | 759.53B | 724.68B |
Cash Flow | |||||
| Free Cash Flow | 35.96B | 31.28B | 5.18B | 3.73B | 4.26B |
| Operating Cash Flow | 41.26B | 45.95B | 11.45B | 6.42B | 6.77B |
| Investing Cash Flow | -21.57B | -65.19B | -746.11B | -100.76B | 89.18B |
| Financing Cash Flow | 24.14B | -31.22B | 538.17B | -52.35B | 1.89B |
Iyogin Holdings,Inc. Technical Analysis
Positive
2708.50
Price Trends
3267.22
Positive
3161.77
Positive
2913.95
Positive
Market Momentum
108.75
Negative
63.49
Neutral
50.20
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 3491.25, below the 50-day MA of 3267.22, and below the 200-day MA of 2913.95, indicating a bullish trend. The MACD of 108.75 indicates Negative momentum. The RSI at 63.49 is Neutral, neither overbought nor oversold. The STOCH value of 50.20 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
73 Outperform | ¥136.88B | 7.97 | ― | 3.05% | 24.77% | 156.11% | |
71 Outperform | ¥670.58B | 15.12 | ― | 3.21% | 19.57% | 23.07% | |
69 Neutral | ¥108.66B | 15.06 | ― | 2.34% | 3.68% | 26.05% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | ¥1.10T | 14.32 | ― | 2.10% | 8.96% | 42.62% | |
63 Neutral | ¥581.83B | 18.93 | 5.00% | 2.05% | 14.21% | -4.70% | |
60 Neutral | ¥11.32B | 21.01 | ― | 2.74% | 22.59% | -35.15% |
* Financial Sector Average
JP:5830
Iyogin Holdings,Inc.
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Iyogin Holdings,Inc. Corporate Events
Iyogin Holdings and Ehime Bank Set Up Committee for 2027 Business Integration
Jul 31, 2026
Iyogin Holdings, Inc. and The Ehime Bank, Ltd. have formed an Integration Preparatory Committee to advance their planned business integration scheduled for April 1, 2027. The committee is co-chaired by the presidents of both institutions, with sen...
Iyogin Holdings and Ehime Bank agree on basic terms for regional banking integration
Jul 24, 2026
Iyogin Holdings and The Ehime Bank have signed a basic agreement to pursue a business integration, after their boards approved moving ahead with discussions and examinations toward forming a new financial group. The tie-up is positioned as a respo...
Iyogin Holdings Confirms Board Review of Potential Integration With Ehime Bank
Jul 23, 2026
Iyogin Holdings has addressed media reports that it is in final-stage talks on a potential business integration with The Ehime Bank, stating that none of the details reported have been formally announced by the company. Management plans to submit ...
Iyogin Holdings reshapes leadership at holding company and Iyo Bank
Jun 26, 2026
Iyogin Holdings, Inc. has announced a broad reshuffle of directors and executive officers at both the holding company and its core subsidiary, The Iyo Bank, following approvals at their annual shareholder meetings and subsequent board sessions. Th...
Iyogin Holdings Board Rejects Minority Shareholder’s Governance and Name Change Proposals
May 8, 2026
Iyogin Holdings has disclosed that it received shareholder proposals ahead of its June 2026 annual meeting and that its board has unanimously decided to oppose them. The proposals, submitted by an individual shareholder with a very small voting st...
Iyogin Holdings and Iyo Bank Announce Major Leadership and Board Reshuffle
May 8, 2026
Iyogin Holdings and its core subsidiary The Iyo Bank are implementing a broad leadership reshuffle effective June 26, 2026, including the promotion of Hiroshi Nagata to Deputy President and Representative Director of the holding company and additi...
Iyogin Holdings Raises Key Targets in Fiscal 2024 Medium-Term Plan
May 8, 2026
Iyogin Holdings has revised key management indicator targets in its Fiscal 2024 Medium-Term Management Plan in response to recent earnings trends and changing market conditions. The company adjusted its consolidated return on equity, profit attrib...
Iyogin Holdings Delivers Strong FY2026 Earnings and Hikes Dividend
May 8, 2026
Iyogin Holdings reported strong consolidated results for the fiscal year ended March 31, 2026, with ordinary income rising 14.8% to ¥266.1 billion and ordinary profit jumping 32.2% to ¥99.2 billion. Profit attributable to owners of the p...
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.