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Shizuoka Financial Group, Inc. (JP:5831)
:5831
Japanese Market
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Shizuoka Financial Group, Inc. (5831) AI Stock Analysis

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JP:5831

Shizuoka Financial Group, Inc.

(5831)

Rating:74Outperform
Price Target:
¥2,218.00
▲(14.21% Upside)
The overall stock score is driven by strong technical indicators and a reasonable valuation, despite concerns about declining revenue growth and cash flow conversion issues. The stock's bullish momentum and attractive dividend yield are significant positives.

Shizuoka Financial Group, Inc. (5831) vs. iShares MSCI Japan ETF (EWJ)

Shizuoka Financial Group, Inc. Business Overview & Revenue Model

Company DescriptionShizuoka Financial Group, Inc. is a prominent financial services company based in Japan, primarily engaged in banking and related financial activities. As the parent company of Shizuoka Bank, it operates through various segments including commercial banking, asset management, and investment services. The group offers a range of core products and services such as personal and corporate loans, deposit accounts, investment trusts, and insurance products, catering to both individual and institutional clients in the Shizuoka Prefecture and beyond.
How the Company Makes MoneyShizuoka Financial Group generates revenue through multiple streams primarily centered around its banking operations. The main source of income comes from the interest earned on loans extended to customers, which includes personal, corporate, and mortgage loans. Additionally, the company earns interest income from its investment portfolio and securities. Fee-based income is another significant revenue stream, which includes service fees from asset management and advisory services, transaction fees, and commissions from various financial products. The group also benefits from partnerships with other financial institutions and businesses that enhance its service offerings and client base, contributing to its overall earnings. Furthermore, the company manages non-performing assets effectively to minimize losses and optimize profitability.

Shizuoka Financial Group, Inc. Financial Statement Overview

Summary
Shizuoka Financial Group, Inc. demonstrates solid profitability with a strong net profit margin and a stable balance sheet. However, the significant decline in revenue growth and potential cash flow conversion issues are areas of concern.
Income Statement
65
Positive
The income statement shows a mixed performance. The company has a strong net profit margin of 23.31% for the latest year, indicating good profitability. However, revenue growth has been negative, with a significant decline of 45.4% in the most recent year, which is concerning. EBIT and EBITDA margins are healthy, but the declining revenue trend poses a risk to future profitability.
Balance Sheet
70
Positive
The balance sheet reflects a stable financial position with a debt-to-equity ratio of 1.96, which is relatively high but manageable for a regional bank. Return on equity is modest at 6.39%, indicating efficient use of equity to generate profits. The equity ratio is not explicitly calculated, but the overall asset base is strong, supporting the company's financial stability.
Cash Flow
60
Neutral
Cash flow analysis reveals a strong free cash flow to net income ratio of 95.43%, indicating efficient cash generation relative to net income. However, the operating cash flow to net income ratio is low at 11.80%, suggesting potential issues in converting income into cash. The free cash flow growth rate is extremely high, but this is due to a recovery from negative figures in previous years, which may not be sustainable.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue262.83B262.83B229.81B242.74B233.09B218.57B
Gross Profit277.70B221.21B229.81B208.07B233.09B218.57B
EBITDA66.44B86.39B94.72B91.28B78.26B74.10B
Net Income74.62B74.62B57.76B52.40B41.63B43.64B
Balance Sheet
Total Assets15.71T15.71T16.14T15.65T14.92T14.08T
Cash, Cash Equivalents and Short-Term Investments993.91B993.91B1.56T1.75T2.28T-2.02T
Total Debt2.29T2.29T1.32T2.40T1.99T1.56T
Total Liabilities14.55T14.55T14.94T14.51T13.83T12.97T
Stockholders Equity1.17T1.17T1.20T1.15T1.09T1.10T
Cash Flow
Free Cash Flow0.00115.27B106.31B-85.25B25.57B-122.39B
Operating Cash Flow0.00120.79B118.39B-72.49B39.61B-105.54B
Investing Cash Flow0.0016.51B-293.50B-426.79B-493.83B-533.42B
Financing Cash Flow0.00-64.93B46.04B109.66B667.42B1.50T

Shizuoka Financial Group, Inc. Technical Analysis

Technical Analysis Sentiment
Positive
Last Price1942.00
Price Trends
50DMA
1806.42
Positive
100DMA
1709.43
Positive
200DMA
1553.68
Positive
Market Momentum
MACD
40.45
Positive
RSI
58.73
Neutral
STOCH
35.60
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 1942 is above the 20-day moving average (MA) of 1932.00, above the 50-day MA of 1806.42, and above the 200-day MA of 1553.68, indicating a bullish trend. The MACD of 40.45 indicates Positive momentum. The RSI at 58.73 is Neutral, neither overbought nor oversold. The STOCH value of 35.60 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

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
74
Outperform
¥1.06T13.67
3.09%-1.35%24.12%
68
Neutral
$18.05B11.7310.24%3.73%9.66%1.70%
$8.58B14.816.86%2.86%
$7.29B14.336.63%3.10%
$5.76B11.497.77%3.44%
71
Outperform
¥839.31B25.64
2.06%19.01%-1.89%
71
Outperform
¥803.67B14.56
1.78%13.30%40.85%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
JP:5831
Shizuoka Financial Group, Inc.
1,941.00
708.48
57.48%
CCRDF
Concordia Financial Group
7.56
2.19
40.78%
CHBAF
Chiba Bank
10.23
2.29
28.84%
FKKFF
Fukuoka Financial Group
30.11
4.97
19.77%
JP:5844
Kyoto Financial Group,Inc.
2,872.50
702.91
32.40%
JP:7167
Mebuki Financial Group, Inc.
909.40
352.60
63.33%

Shizuoka Financial Group, Inc. Corporate Events

Shizuoka Financial Group Forms Mt. Fuji ・Alps Alliance with Regional Banks
Mar 27, 2025

Shizuoka Bank, a subsidiary of Shizuoka Financial Group, has formed a comprehensive business alliance with Yamanashi Chuo Bank and Hachijuni Bank, named the Mt. Fuji ・Alps Alliance. This alliance aims to expand the existing Shizuoka Yamanashi Alliance by including Hachijuni Bank, which shares similar regional characteristics and challenges. The collaboration seeks to foster regional growth, enhance revenue opportunities, and address social issues while maintaining the banks’ management independence. The alliance is expected to contribute to sustained local community growth and strengthen the customer base and brand of each bank.

Shizuoka Financial Group Raises Profit and Dividend Forecasts for FY2025
Feb 12, 2025

Shizuoka Financial Group has revised its full-year consolidated financial results and year-end dividend forecasts for the fiscal year ending March 31, 2025, due to higher net interest income and net gains on equity securities. The ordinary profit is expected to increase by 4.1%, and the profit attributable to owners by 10.6%. Consequently, the company has raised its annual dividend projection to 60 yen per share, reflecting a significant increase from the previous year, in line with its policy to enhance shareholder returns.

Shizuoka Financial Group Reports Nine-Month Financial Results with Revised Dividend Forecast
Feb 12, 2025

Shizuoka Financial Group, Inc. reported its consolidated financial results for the nine months ending December 31, 2024, showing a decrease in ordinary income by 4.8% and ordinary profit by 2.0% compared to the previous year. However, profit attributable to owners of the parent increased significantly by 31.0%. The company also revised its dividend forecast, increasing the year-end dividend for the fiscal year ending March 31, 2025, reflecting a positive outlook on future earnings.

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.Date of analysis: Aug 29, 2025