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Shizuoka Financial Group, Inc.
(5831)
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Rating:70Outperform
Price Target:
¥3,754.00
▲(46.07% Upside)
Action:Upgraded
Date:05/14/26
The score is driven primarily by solid profitability and improved recent revenue growth, tempered by mid-single-digit ROE and volatile cash flow. Technicals are supportive with a clear uptrend and positive momentum, while valuation is reasonable and backed by a moderate dividend yield.
Positive Factors
Improving revenue growth
A meaningful rebound to 9.8% revenue growth in 2026 indicates the franchise is regaining organic momentum. Durable top-line expansion supports net interest income and fee businesses, improving scale economies and the bank’s ability to invest in services and absorb credit or funding shocks over the medium term.
Negative Factors
Low return on equity
Mid-single-digit ROE constrains long-term value creation and limits capital available for growth or higher shareholder distributions. Persistently low ROE relative to cost of capital reduces strategic optionality and may force trade-offs between retained earnings, dividend policy, and necessary capital buffers.
Read all positive and negative factors
Positive Factors
Negative Factors
Improving revenue growth
A meaningful rebound to 9.8% revenue growth in 2026 indicates the franchise is regaining organic momentum. Durable top-line expansion supports net interest income and fee businesses, improving scale economies and the bank’s ability to invest in services and absorb credit or funding shocks over the medium term.
Read all positive factors
Shizuoka Financial Group, Inc. (5831) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥1.86T
Dividend Yield2.34%
Average Volume (3M)1.60M
Price to Earnings (P/E)18.2
Beta (1Y)1.15
Revenue Growth18.19%
EPS Growth34.30%
CountryJP
Employees4,226
SectorGeneral
Sector StrengthN/A
IndustryBanks - Regional
Share Statistics
EPS (TTM)167.66
Shares Outstanding580,129,100
10 Day Avg. Volume1,389,540
30 Day Avg. Volume1,596,840
Financial Highlights & Ratios
PEG Ratio0.67
Price to Book (P/B)1.12
Price to Sales (P/S)3.26
P/FCF Ratio29.20
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)211.35
Revenue Forecast (FY)¥231.15B
Shizuoka Financial Group, Inc. Business Overview & Revenue Model
Company Description
Shizuoka Financial Group,Inc. (SFG) and its affiliates offer an extensive range of banking and financial services. The company's operations are divided into two main divisions: Banking and Leasing. Within its banking arm, SFG focuses on core activ...
How the Company Makes Money
Shizuoka Financial Group makes money primarily through its banking and financial-services subsidiaries. Key revenue streams generally include: (1) Net interest income: interest earned on loans and other interest-bearing assets minus interest paid ...
Shizuoka Financial Group, Inc. Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
62
Positive
Cash Flow
55
Neutral
| Breakdown | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 424.33B | 333.92B | 295.77B | 279.36B | 238.20B |
| Gross Profit | 330.39B | 249.39B | 213.53B | 235.13B | 226.05B |
| EBITDA | 139.98B | 117.83B | 94.72B | 91.28B | 78.26B |
| Net Income | 90.47B | 74.62B | 57.76B | 52.40B | 41.63B |
Balance Sheet | |||||
| Total Assets | 16.02T | 15.71T | 16.14T | 15.65T | 14.92T |
| Cash, Cash Equivalents and Short-Term Investments | 1.16T | 993.91B | 1.56T | 1.75T | 2.28T |
| Total Debt | 1.98T | 2.33T | 3.52T | 2.98T | 1.99T |
| Total Liabilities | 14.78T | 14.55T | 14.94T | 14.51T | 13.83T |
| Stockholders Equity | 1.23T | 1.17T | 1.20T | 1.15T | 1.09T |
Cash Flow | |||||
| Free Cash Flow | 47.36B | 116.27B | 113.45B | 70.76B | 35.09B |
| Operating Cash Flow | 56.67B | 121.79B | 118.39B | 75.42B | 39.61B |
| Investing Cash Flow | -30.36B | -284.01B | -341.55B | -1.08T | -493.83B |
| Financing Cash Flow | -10.02B | -378.60B | 114.34B | 445.35B | 667.42B |
Shizuoka Financial Group, Inc. Technical Analysis
Positive
2570.00
Price Trends
3137.32
Positive
2954.13
Positive
2685.67
Positive
Market Momentum
30.91
Positive
61.39
Neutral
60.12
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:5831, the sentiment is Positive. The current price of 2570 is below the 20-day moving average (MA) of 3284.60, below the 50-day MA of 3137.32, and below the 200-day MA of 2685.67, indicating a bullish trend. The MACD of 30.91 indicates Positive momentum. The RSI at 61.39 is Neutral, neither overbought nor oversold. The STOCH value of 60.12 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:5831.
Shizuoka Financial Group, Inc. Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
70 Outperform | ¥1.86T | 18.19 | ― | 3.04% | 18.19% | 34.30% | |
70 Outperform | ¥1.83T | 18.17 | 7.67% | 1.89% | 31.08% | 36.63% | |
69 Neutral | ¥2.10T | 18.60 | 7.77% | 1.97% | 21.41% | 30.81% | |
69 Neutral | ¥1.36T | 12.70 | ― | 2.04% | 18.82% | 226.00% | |
68 Neutral | ¥1.37T | 15.18 | ― | 2.00% | 25.45% | 61.40% | |
68 Neutral | ¥1.45T | 14.99 | 8.30% | 2.38% | 22.40% | 23.35% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
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Shizuoka Financial Group, Inc. Corporate Events
Shizuoka Financial Group Sets ¥23.9 Billion Share Buyback via ToSTNeT-3
Aug 7, 2026
Shizuoka Financial Group, Inc. has detailed its plan to buy back up to 7 million shares, or about 1.32% of its outstanding common stock excluding treasury shares, through the Tokyo Stock Exchange’s ToSTNeT-3 off-auction own share repurchase ...
Shizuoka Financial Group Strengthens Capital Ratios in First Quarter of FY2026
Aug 6, 2026
Shizuoka Financial Group reported a consolidated total capital ratio of 16.24% as of June 30, 2026, up 0.64 percentage points from March, with Tier 1 and common equity Tier 1 ratios at the same level and total capital rising to ¥1,152.9 billi...
Shizuoka Financial Group Hikes Earnings Outlook, Boosts Dividend and Launches Share Buyback
Aug 6, 2026
Shizuoka Financial Group has raised its full-year consolidated forecast for the year ending March 31, 2027, citing higher net interest income driven by an increased average loan balance and the Bank of Japan’s policy rate hike. The company n...
Shizuoka Financial Group Completes Treasury Stock Disposal for Restricted Share Compensation
Jul 17, 2026
Shizuoka Financial Group, Inc., a Japan‑based regional financial institution listed on the TSE Prime Market, manages a broad network of subsidiaries and sub‑subsidiaries through a centralized leadership team of directors and executive ...
Shizuoka Financial Group Uses Treasury Stock for Expanded Restricted Share Pay Plan
Jun 19, 2026
Shizuoka Financial Group has approved the disposal of 108,301 shares of its treasury stock as restricted share-based compensation for 53 directors and executive officers across the parent company, The Shizuoka Bank and 13 group subsidiaries. The a...
Shizuoka Financial Group to Fund New Regional Foundation via Treasury Stock Allotment
May 12, 2026
Shizuoka Financial Group will support the establishment of the Shizuoka Mirai Cocreation Foundation, a new general incorporated foundation led by Shizuoka Bank to foster regional industry, create new businesses, and develop local human capital. Th...
Shizuoka Financial Group Reshapes Top Management with New Representative Director
May 12, 2026
Shizuoka Financial Group, Inc. has announced a change in its top leadership, with the Board of Directors resolving to appoint Director and Executive Officer Minoru Yagi as a representative director effective June 19, 2026, pending shareholder appr...
Shizuoka Financial Group boosts profit and hikes dividend on stronger FY2026 results
May 12, 2026
Shizuoka Financial Group reported a strong fiscal year to March 31, 2026, with ordinary income rising 28.5% to ¥438.5 billion and profit attributable to owners of the parent up 21.2% to ¥90.5 billion, lifting ROE to 7.5%. Total assets cl...
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.