Shizuoka Financial Group, Inc. (5831) AI Stock Analysis

• Market Cap: ¥1.15T
• Dividend Yield: 2.84%
• Average Volume (3M): 1.60M
• Price to Earnings (P/E): 15.1
• Beta (1Y): 1.08
• Revenue Growth: -1.35%
• EPS Growth: 24.12%
• Country: JP
• Employees: 4,001
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 44.11
• Shares Outstanding: 580,129,100
• 10 Day Avg. Volume: 1,389,540
• 30 Day Avg. Volume: 1,596,840
• PEG Ratio: 0.39
• Price to Book (P/B): 0.76
• Price to Sales (P/S): 3.38
• P/FCF Ratio: 7.70
• 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: ¥2,230.00
• Price Target Upside: 6.14% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 72 Outperform
• Price Target: ¥2,384.00 ▲(13.47% Upside)

The overall stock score of 72 reflects strong technical indicators and a reasonable valuation, despite concerns over declining revenue growth and cash flow conversion issues. The stock's bullish momentum and attractive dividend yield are significant positives.

Shizuoka Financial Group, Inc. Business Overview & Revenue Model

Company Description

Shizuoka 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 Money

Shizuoka 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

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

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

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.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	270.50B	262.83B	308.13B	247.79B	233.09B	218.57B
Gross Profit	270.50B	262.83B	229.81B	208.07B	233.09B	218.57B
EBITDA	93.97B	117.83B	94.72B	91.28B	78.26B	74.10B
Net Income	76.23B	74.62B	57.76B	52.40B	41.63B	43.64B
Balance Sheet
Total Assets	16.11T	15.71T	16.14T	15.65T	14.92T	14.08T
Cash, Cash Equivalents and Short-Term Investments	0.00	993.91B	1.56T	1.75T	2.28T	-2.02T
Total Debt	2.42T	2.29T	2.62T	2.40T	1.99T	1.56T
Total Liabilities	14.93T	14.55T	14.94T	14.51T	13.83T	12.97T
Stockholders Equity	1.18T	1.17T	1.20T	1.15T	1.09T	1.10T
Cash Flow
Free Cash Flow	0.00	115.27B	106.31B	-85.25B	25.57B	-122.39B
Operating Cash Flow	0.00	120.79B	118.39B	75.42B	39.61B	-105.54B
Investing Cash Flow	0.00	16.51B	-293.50B	-426.79B	-493.83B	-533.42B
Financing Cash Flow	0.00	-64.93B	46.04B	109.66B	667.42B	1.50T

Shizuoka Financial Group, Inc. Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 2101.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: 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 2101 is above the 20-day moving average (MA) of 2041.97, above the 50-day MA of 1989.50, and above the 200-day MA of 1676.18, indicating a bullish trend. The MACD of 37.93 indicates Negative momentum. The RSI at 58.87 is Neutral, neither overbought nor oversold. The STOCH value of 76.85 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
8331	73 Outperform	$1.08T	14.15	6.63%	2.64%	11.33%	20.11%
5831	72 Outperform	¥1.15T	15.09	―	2.84%	-1.35%	24.12%
7186	72 Outperform	$1.28T	14.79	6.86%	2.95%	13.73%	28.01%
5844	71 Outperform	¥928.28B	28.30	―	1.98%	19.01%	-1.89%
7167	71 Outperform	¥839.97B	15.22	―	2.21%	13.30%	40.85%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
8354	61 Neutral	$874.88B	11.63	7.77%	3.48%	10.63%	12.90%

Shizuoka Financial Group, Inc. Corporate Events

Shizuoka Financial Group to Support New Foundation with Stock Shares

Shizuoka Financial Group has announced plans to consider using shares of its stock to support a new foundation, the Shizuoka Mirai Cocreation Foundation, which is being considered by its subsidiary, Shizuoka Bank. The foundation aims to contribute to community development by supporting innovation, launching projects to address regional challenges, and developing human resources. The Group plans to establish a beneficiary trust to fund the foundation’s activities by disposing of treasury stock, with the disposal price set at one yen per share. This initiative is expected to generate medium- to long-term social value and strengthen the Group’s corporate value.

The most recent analyst rating on (JP:5831) stock is a Buy with a Yen2218.00 price target. To see the full list of analyst forecasts on Shizuoka Financial Group, Inc. stock, see the JP:5831 Stock Forecast page.

Shizuoka Financial Group Announces Treasury Stock Acquisition

Shizuoka Financial Group, Inc. has announced its decision to acquire up to 10,000,000 of its own shares, representing 1.84% of its total issued shares, excluding treasury stock. This move, set to occur between November 12, 2025, and February 16, 2026, aims to improve capital efficiency and increase corporate value through market purchases on the Tokyo Stock Exchange.

The most recent analyst rating on (JP:5831) stock is a Buy with a Yen2218.00 price target. To see the full list of analyst forecasts on Shizuoka Financial Group, Inc. stock, see the JP:5831 Stock Forecast page.

Shizuoka Financial Group Increases Dividend Forecast for FY2026

Shizuoka Financial Group, Inc. has announced an increase in its interim and year-end dividends for the fiscal year ending March 31, 2026, raising the annual dividend per share to 78 yen, an 18 yen increase from the previous year. This decision aligns with the company’s policy to enhance shareholder returns and aims to achieve a dividend payout ratio of 50% or higher by FY2027, reflecting strong business performance and commitment to shareholder expectations.

The most recent analyst rating on (JP:5831) stock is a Buy with a Yen2218.00 price target. To see the full list of analyst forecasts on Shizuoka Financial Group, Inc. stock, see the JP:5831 Stock Forecast page.

Shizuoka Financial Group Reports Strong Financial Growth and Dividend Increase

Shizuoka Financial Group reported a significant increase in its financial performance for the six months ended September 30, 2025, with a 18.4% rise in ordinary income and a 33.6% increase in profit attributable to owners of the parent. The company also announced an upward revision to its dividend forecast, reflecting a strong financial position and positive outlook for the fiscal year ending March 31, 2026.

The most recent analyst rating on (JP:5831) stock is a Buy with a Yen2218.00 price target. To see the full list of analyst forecasts on Shizuoka Financial Group, Inc. stock, see the JP:5831 Stock Forecast page.

Shizuoka Financial Group Reports Strong Q1 2025 Results and Dividend Increase

Shizuoka Financial Group, Inc. reported an increase in its consolidated financial results for the three months ended June 30, 2025, with ordinary income rising by 8.2% and profit attributable to owners of the parent increasing by 7.7% compared to the previous year. The company also announced a forecasted increase in annual dividends for the fiscal year ending March 31, 2026, which reflects its strong financial performance and commitment to shareholder returns.

The most recent analyst rating on (JP:5831) stock is a Hold with a Yen1760.00 price target. To see the full list of analyst forecasts on Shizuoka Financial Group, Inc. stock, see the JP:5831 Stock Forecast page.