Iyogin Holdings,Inc. (JP:5830)
:5830
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Iyogin Holdings,Inc.
(5830)
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Rating:67Neutral
Price Target:
¥3,347.00
▲(23.57% 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
Sustained revenue and net income growth
Multi-year revenue and net income growth, with an acceleration in 2025 and continued positive results in 2026, signals durable demand for core banking services. That trend indicates expanding customer volumes and pricing power in its regional franchise, supporting medium-term earnings visibility.
Negative Factors
Variable leverage and balance-sheet volatility
Material year-to-year swings in debt and a historically meaningful leverage range raise funding and capital risk. Volatile leverage can impair resilience to stress, increase refinancing risk, and constrain strategic lending or capital return decisions over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Sustained revenue and net income growth
Multi-year revenue and net income growth, with an acceleration in 2025 and continued positive results in 2026, signals durable demand for core banking services. That trend indicates expanding customer volumes and pricing power in its regional franchise, supporting medium-term earnings visibility.
Read all positive factors
Iyogin Holdings,Inc. (5830) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥943.92B
Dividend Yield2.1%
Average Volume (3M)905.62K
Price to Earnings (P/E)11.1
Beta (1Y)1.35
Revenue Growth8.96%
EPS Growth42.70%
CountryJP
Employees3,019
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)266.4
Revenue Forecast (FY)¥221.50B
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 cre...
How the Company Makes Money
Iyogin Holdings, Inc. generates earnings mainly through its banking operations carried out by its core subsidiary, The Iyo Bank, Ltd. Key revenue streams typically include (1) net interest income: interest earned on loans and other interest-bearin...
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
3046.66
Positive
2985.73
Positive
2565.04
Positive
Market Momentum
22.83
Negative
54.28
Neutral
45.29
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 3084.02, below the 50-day MA of 3046.66, and above the 200-day MA of 2565.04, indicating a bullish trend. The MACD of 22.83 indicates Negative momentum. The RSI at 54.28 is Neutral, neither overbought nor oversold. The STOCH value of 45.29 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 |
|---|---|---|---|---|---|---|---|
75 Outperform | ¥76.46B | 8.35 | ― | 2.34% | 3.68% | 26.06% | |
71 Outperform | ¥629.06B | 11.79 | ― | 3.21% | 19.57% | 23.07% | |
71 Outperform | ¥111.19B | 5.37 | ― | 3.05% | 49.84% | 156.03% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | ¥943.92B | 11.15 | ― | 2.10% | 8.96% | 42.70% | |
63 Neutral | ¥554.95B | 15.31 | 6.09% | 2.93% | 14.21% | -4.70% | |
60 Neutral | ¥12.76B | 17.45 | ― | 2.74% | 17.43% | -35.15% |
* Financial Sector Average
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Iyogin Holdings,Inc. Corporate Events
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...
Iyogin Holdings Nears ¥10 Billion Cap in Completed Share Buyback Program
Apr 22, 2026
Iyogin Holdings, Inc. has completed a share buyback authorized by its board on February 10, 2026, under the Japanese Companies Act framework. The company repurchased a total of 3,173,200 common shares on the Tokyo Stock Exchange by April 17, 2026,...
Iyogin Holdings Accelerates Share Buybacks Under Ongoing Repurchase Program
Apr 3, 2026
Iyogin Holdings has been repurchasing its own common shares on the Tokyo Stock Exchange under a board-approved buyback program, acquiring 1,337,300 shares for about ¥4.0 billion between March 1 and March 31, 2026. Under the broader authorizat...
Iyogin Holdings Elevates Succession Support Fund to Specified Subsidiary Status
Mar 16, 2026
Iyogin Holdings will increase its capital contribution to the Iyogin Business Succession and Growth Support Fund II, making the vehicle a specified subsidiary as the total investment will reach at least 2,035 million yen, equivalent to 10% or more...
Iyogin Holdings Reports Progress on Share Buyback Program
Mar 4, 2026
Iyogin Holdings has disclosed the progress of its ongoing share buyback program, reporting the purchase of 804,200 common shares on the Tokyo Stock Exchange between February 12 and February 28, 2026, at a total cost of approximately ¥2.75 bil...
Iyogin Holdings Launches ¥10 Billion Share Buyback to Lift Capital Efficiency
Feb 10, 2026
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 i...
Iyogin Holdings Lifts Full-Year Earnings Forecast on Strong Securities Operations
Feb 10, 2026
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....
Iyogin Holdings Lifts Earnings Outlook on Strong Nine-Month Results and Higher Dividend Plan
Feb 10, 2026
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 ow...
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.