Shizuoka Financial Group, Inc. (JP:5831)
:5831
Top Page
Shizuoka Financial Group, Inc.
(5831)
Select Model
Select Model
Rating:62Neutral
Price Target:
¥2,758.00
▲(7.32% Upside)
Action:DowngradedDate:02/13/26
The score is driven primarily by mixed financial performance: strong profitability and a stable balance sheet are offset by a steep revenue decline and weak operating cash flow conversion. Technicals reduce the score further due to overextended momentum signals, while valuation is supportive but not notably cheap.
Positive Factors
High net profit margin
A 23.31% net profit margin indicates durable underlying profitability from core banking operations. Strong margins provide ongoing capacity to absorb credit losses, support dividends or capital buffers, and sustain reinvestment into branch and fee businesses even if top-line growth is pressured.
Negative Factors
Steep revenue decline
A 45.4% year-on-year revenue drop is a material structural concern: it reduces scale economics, pressures fee income and net interest growth, and can erode long-term profitability if persistent. Recovering lost revenue streams typically requires strategic adjustments and takes multiple quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
High net profit margin
A 23.31% net profit margin indicates durable underlying profitability from core banking operations. Strong margins provide ongoing capacity to absorb credit losses, support dividends or capital buffers, and sustain reinvestment into branch and fee businesses even if top-line growth is pressured.
Read all positive factors
Shizuoka Financial Group, Inc. (5831) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥1.37T
Dividend Yield3.04%
Average Volume (3M)1.60M
Price to Earnings (P/E)14.2
Beta (1Y)1.18
Revenue Growth9.16%
EPS Growth29.12%
CountryJP
Employees4,001
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)42.89
Shares Outstanding580,129,100
10 Day Avg. Volume1,389,540
30 Day Avg. Volume1,596,840
Financial Highlights & Ratios
PEG Ratio0.39
Price to Book (P/B)0.76
Price to Sales (P/S)2.66
P/FCF Ratio7.64
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
¥2,900.00Price Target Upside12.84% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)162.14
Revenue Forecast (FY)¥203.40B
Shizuoka Financial Group, Inc. Business Overview & Revenue Model
Company Description
Shizuoka Financial Group,Inc., together with its subsidiaries, provides various banking products and services. The company operates through Banking Operations and Leasing Operations segments. It engages in the banking business centered on deposits...
How the Company Makes Money
Shizuoka Financial Group makes money primarily through the earnings generated by its operating subsidiaries (chiefly its banking business) and consolidates those results at the holding-company level. Key revenue streams typically include: (1) Net ...
Shizuoka Financial Group, Inc. Financial Statement Overview
Summary
Income Statement
65
Positive
Balance Sheet
70
Positive
Cash Flow
60
Neutral
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 386.51B | 333.92B | 295.77B | 279.36B | 238.20B | 214.38B |
| Gross Profit | 303.34B | 249.39B | 213.53B | 235.13B | 226.05B | 193.24B |
| EBITDA | 128.87B | 117.83B | 94.72B | 91.28B | 78.26B | 74.10B |
| Net Income | 91.80B | 74.62B | 57.76B | 52.40B | 41.63B | 43.64B |
Balance Sheet | ||||||
| Total Assets | 15.88T | 15.71T | 16.14T | 15.65T | 14.92T | 14.08T |
| Cash, Cash Equivalents and Short-Term Investments | 868.68B | 993.91B | 1.56T | 1.75T | 2.28T | -2.02T |
| Total Debt | 1.96T | 2.33T | 3.52T | 2.98T | 1.99T | 2.37T |
| Total Liabilities | 14.63T | 14.55T | 14.94T | 14.51T | 13.83T | 12.97T |
| Stockholders Equity | 1.25T | 1.17T | 1.20T | 1.15T | 1.09T | 1.10T |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 116.27B | 113.45B | 70.76B | 35.09B | -109.74B |
| Operating Cash Flow | 0.00 | 121.79B | 118.39B | 75.42B | 39.61B | -105.54B |
| Investing Cash Flow | 0.00 | -284.01B | -341.55B | -1.08T | -493.83B | -533.42B |
| Financing Cash Flow | 0.00 | -378.60B | 114.34B | 445.35B | 667.42B | 1.50T |
Shizuoka Financial Group, Inc. Technical Analysis
Positive
2570.00
Price Trends
2740.31
Negative
2530.39
Positive
2183.39
Positive
Market Momentum
-74.46
Positive
44.37
Neutral
33.70
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 2719.63, below the 50-day MA of 2740.31, and above the 200-day MA of 2183.39, indicating a neutral trend. The MACD of -74.46 indicates Positive momentum. The RSI at 44.37 is Neutral, neither overbought nor oversold. The STOCH value of 33.70 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 (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
75 Outperform | ¥1.39T | 12.46 | 7.38% | 2.62% | 15.86% | 24.81% | |
75 Outperform | ¥1.25T | 19.77 | ― | 2.04% | 18.13% | 27.43% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | ¥1.16T | 8.94 | 8.24% | 3.06% | 12.77% | 9.22% | |
64 Neutral | ¥1.59T | 12.21 | 7.83% | 2.54% | 19.38% | 29.95% | |
64 Neutral | ¥1.00T | 11.66 | ― | 2.00% | 18.45% | 41.89% | |
62 Neutral | ¥1.37T | 14.17 | ― | 3.04% | 9.16% | 29.12% |
* Financial Sector Average
JP:5831
Shizuoka Financial Group, Inc.
2,597.50
963.13
58.93%
JP:7186
Concordia Financial Group
1,395.00
392.57
39.16%
JP:8331
Chiba Bank
2,024.00
594.06
41.54%
JP:8354
Fukuoka Financial Group
6,041.00
2,021.34
50.29%
JP:5844
Kyoto Financial Group,Inc.
4,289.00
1,960.73
84.21%
JP:7167
Mebuki Financial Group, Inc.
1,203.00
478.51
66.05%
Shizuoka Financial Group, Inc. Corporate Events
Shizuoka Financial Group Completes ¥10 Billion Share Buyback Program
Mar 16, 2026
Shizuoka Financial Group has completed a share buyback program authorized by its board on February 12, 2026, acquiring 1,871,000 common shares between March 1 and March 13 via market purchases on the Tokyo Stock Exchange at a cost of about ¥5...
Shizuoka Financial Group Advances Share Buyback Under ¥10 Billion Program
Mar 2, 2026
Shizuoka Financial Group has repurchased 1.6 million shares of its common stock on the Tokyo Stock Exchange between February 17 and February 28, 2026, at a total cost of about ¥4.86 billion. The move is part of a board-approved buyback progra...
Shizuoka Financial Group Strengthens Capital Ratios in Third Quarter 2025
Feb 12, 2026
Shizuoka Financial Group reported a consolidated total capital ratio of 17.76% as of December 31, 2025, up slightly from 17.67% at the end of September, with Tier 1 and common equity Tier 1 capital ratios at the same robust level. Total capital in...
Shizuoka Financial Group Lifts FY2026 Outlook, Hikes Dividend and Launches Share Buyback
Feb 12, 2026
Shizuoka Financial Group raised its full-year consolidated earnings forecast for the fiscal year ending March 31, 2026, citing higher net interest income following the Bank of Japan’s rate hike and improved securities-related gains. Ordinary...
Shizuoka Financial Group Lifts Profit Outlook and Dividend on Strong Nine-Month Results
Feb 12, 2026
Shizuoka Financial Group reported strong consolidated results for the nine months ended December 31, 2025, with ordinary income rising 24.3% year on year to ¥304.0 billion and ordinary profit up 32.3% to ¥98.3 billion. Profit attributabl...
Shizuoka Financial Group Completes ¥20 Billion Share Buyback Program
Jan 26, 2026
Shizuoka Financial Group has completed a share buyback program authorized by its board in November 2025, acquiring 2,606,200 shares of common stock between January 1 and January 23, 2026 via market purchases on the Tokyo Stock Exchange at a total ...
Shizuoka Financial Group Reports Progress on ¥20 Billion Share Buyback Program
Jan 5, 2026
Shizuoka Financial Group has disclosed the progress of its share buyback program, reporting the acquisition of 3.4 million shares of its common stock on the Tokyo Stock Exchange between December 1 and December 31, 2025, at a total cost of approxim...
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.