Iyogin Holdings,Inc. (5830) AI Stock Analysis

• Market Cap: ¥461.35B
• Dividend Yield: 2.63%
• Average Volume (3M): 954.87K
• Price to Earnings (P/E): 8.5
• Beta (1Y): 1.18
• Revenue Growth: 18.72%
• EPS Growth: 81.14%
• Country: JP
• Employees: 3,019
• Sector: Financial
• Sector Strength: 76
• Industry: Banks - Regional
• EPS (TTM): 24.35
• Shares Outstanding: 313,408,840
• 10 Day Avg. Volume: 919,250
• 30 Day Avg. Volume: 954,866
• PEG Ratio: 1.22
• Price to Book (P/B): 0.31
• Price to Sales (P/S): 0.00
• P/FCF Ratio: -0.62
• 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

• Rating: 69 Neutral
• Price Target: ―

Iyogin Holdings, Inc. reveals strong financial performance with notable revenue growth and profitability, though cash flow inconsistencies highlight a need for improved liquidity management. The stock's technical analysis shows mixed signals with some short-term upward momentum but potential resistance. The valuation appears attractive, with a low P/E ratio and a solid dividend yield. These factors contribute to a moderately strong overall score, reflecting potential for growth but also highlighting areas for improvement.

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, Inc. generates revenue primarily through its banking operations, which include interest income from loans and mortgages provided to individual and corporate customers. Additionally, the company earns fees and commissions from various financial services such as asset management, investment advisory, and brokerage services. The bank also benefits from its strategic partnerships with other financial institutions, which enhance its product offerings and customer reach. Another significant source of income is the trading and investment of financial securities, contributing to the company's profitability through capital gains and dividends.

Iyogin Holdings,Inc. Financial Statement Overview

Summary

Iyogin Holdings, Inc. demonstrates strong profitability and revenue growth, supported by a robust income statement with a score of 75. The balance sheet is stable but reflects moderate leverage, scoring 70. However, cash flow inconsistencies, scoring 60, suggest potential liquidity management challenges. Overall, the financial statements depict a company with solid growth prospects, though careful cash flow and debt management is essential to sustain its financial health.

Income Statement

The income statement shows strong growth in net income and revenue over the past years, with a significant improvement in EBIT margin reaching approximately 56.14% TTM (Trailing-Twelve-Months). However, the gross profit margin calculation is incorrect as it cannot exceed 100%. The net profit margin TTM is around 25.21%, indicating strong profitability. Revenue growth is notable, increasing by approximately 49.6% from the previous annual report. This demonstrates robust financial performance and profitability improvements.

Balance Sheet

The balance sheet reveals a strong equity position with stockholders' equity steadily increasing. The debt-to-equity ratio is approximately 0.83 TTM, showing moderate leverage, which is typical for regional banks. The equity ratio is approximately 9.01%, indicating a stable financial structure. However, the high liabilities compared to assets suggest potential risk without careful management. Overall, the balance sheet reflects a stable, yet leveraged, financial position.

Cash Flow

Cash flow analysis shows inconsistent free cash flow trends, with the latest TTM data missing. The operating cash flow to net income ratio was incomputable due to missing operating cash flow data TTM. Inconsistent historical free cash flow growth and fluctuating operating cash flow indicate potential liquidity management challenges. Although the company previously generated substantial free cash flow, recent TTM data is unavailable, raising concerns about cash flow sustainability.

Breakdown
TTM	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021
Income Statement		Total Revenue
208.97B	212.67B	136.32B	147.28B	126.77B	120.19B
	Gross Profit
223.35B	0.00	136.32B	147.28B	126.77B	120.19B
	EBIT
117.36B	58.70B	60.40B	40.07B	-209.00M	-162.00M
	EBITDA
55.34B	58.70B	53.47B	46.64B	42.85B	30.89B
	Net Income Common Stockholders
52.70B	53.32B	39.46B	27.90B	26.42B	18.09B
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
1.18T	0.00	1.17T	1.37T	1.51T	-1.42T
	Total Assets
9.36T	9.20T	9.26T	8.55T	8.54T	8.55T
	Total Debt
701.83B	988.22B	763.74B	685.12B	974.05B	1.10T
	Net Debt
-476.01B	988.22B	-406.21B	-681.97B	2.49T	2.52T
	Total Liabilities
8.51T	8.40T	8.42T	7.79T	7.81T	7.81T
	Stockholders Equity
843.84B	802.43B	842.74B	759.53B	724.68B	732.82B
Cash Flow		Free Cash Flow
0.00	31.28B	283.15B	-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	-65.20B	-481.44B	234.07B	89.18B	45.24B
	Financing Cash Flow
0.00	-31.23B	117.65B	-12.80B	1.89B	632.89B

Iyogin Holdings,Inc. Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 1494.50
• 50DMA: Negative
• 100DMA: Negative
• 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 Negative. The current price of 1494.5 is below the 20-day moving average (MA) of 1550.25, below the 50-day MA of 1550.95, and below the 200-day MA of 1520.90, indicating a neutral trend. The MACD of -11.98 indicates Positive momentum. The RSI at 43.62 is Neutral, neither overbought nor oversold. The STOCH value of 22.12 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative 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	69 Neutral	¥461.35B	8.55		2.63%	18.72%	81.14%
Sector *	65 Neutral	$12.76B	9.91	7.89%	78.91%	12.06%	-7.95%
GMBKF		$3.23B	11.15	7.63%	3.58%	―	―
HACBF		$3.93B	12.21	4.55%	0.02%	―	―
KYUNF		$2.15B	6.08	4.21%	4.97%	―	―
7337	67 Neutral	¥372.47B	10.33		4.03%	<0.01%	56.12%
8410	62 Neutral	¥308.04B	16.82		4.16%	14.13%	-74.08%

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.