Shizuoka Financial Group, Inc. (JP:5831)
:5831
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Shizuoka Financial Group, Inc.
(5831)
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Rating:70Outperform
Price Target:
¥3,182.00
▲(23.81% 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
Profitability
Consistent net margins near 19–22% demonstrate the core banking business generates resilient earnings from lending and fee activities. That steady profitability supports internal capital generation, funds ongoing operations and investments, and provides a durable earnings base through rate cycles.
Negative Factors
Low ROE
Persistently mid-single-digit ROE limits shareholder value creation relative to peers. Low ROE constrains organic equity growth, reduces flexibility for dividends or buybacks, and may force either higher risk-taking or slower capital return policies to meet investor expectations over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Profitability
Consistent net margins near 19–22% demonstrate the core banking business generates resilient earnings from lending and fee activities. That steady profitability supports internal capital generation, funds ongoing operations and investments, and provides a durable earnings base through rate cycles.
Read all positive factors
Shizuoka Financial Group, Inc. (5831) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥1.56T
Dividend Yield3.04%
Average Volume (3M)1.60M
Price to Earnings (P/E)16.9
Beta (1Y)1.17
Revenue Growth15.67%
EPS Growth22.94%
CountryJP
Employees4,001
SectorFinancial
Sector Strength70
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)195.04
Revenue Forecast (FY)¥239.64B
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
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
2776.92
Positive
2724.62
Positive
2377.98
Positive
Market Momentum
38.88
Positive
50.53
Neutral
20.14
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 2885.93, below the 50-day MA of 2776.92, and above the 200-day MA of 2377.98, indicating a neutral trend. The MACD of 38.88 indicates Positive momentum. The RSI at 50.53 is Neutral, neither overbought nor oversold. The STOCH value of 20.14 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 |
|---|---|---|---|---|---|---|---|
70 Outperform | ¥1.56T | 16.90 | ― | 3.04% | 15.67% | 22.94% | |
70 Outperform | ¥1.59T | 17.27 | 7.38% | 2.62% | 22.66% | 28.39% | |
69 Neutral | ¥1.85T | 17.00 | 7.83% | 2.54% | 23.44% | 31.25% | |
69 Neutral | ¥1.29T | 13.03 | ― | 2.04% | 18.06% | 170.83% | |
68 Neutral | ¥1.15T | 14.82 | ― | 2.00% | 26.77% | 52.41% | |
68 Neutral | ¥1.26T | 14.50 | 8.24% | 3.06% | 22.25% | 18.47% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
* Financial Sector Average
JP:5831
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Shizuoka Financial Group, Inc. Corporate Events
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...
Shizuoka Financial Group Unveils Three-Year “Xover 2.0” Growth Plan
Apr 20, 2026
Shizuoka Financial Group has unveiled its second three-year medium-term business plan, “Xover (Crossover) 2.0—Into the future together,” covering fiscal years 2026 to 2028. Built around a 10-year vision of synchronizing the group...
Shizuoka Financial Group to Dispose of Treasury Stock for Expanded Employee RS Trust Plan
Mar 31, 2026
Shizuoka Financial Group has approved the disposal of 550,000 shares of treasury stock, worth approximately ¥1.45 billion, to a trust account at Sumitomo Mitsui Trust Bank for use in its employee incentive plan. The shares, priced at ¥2,...
Shizuoka Financial Group Expands Employee Stock Incentive Trust
Mar 31, 2026
Shizuoka Financial Group has decided to continue its employee incentive plan based on a restricted stock trust for employees of the group, with certain revisions to its structure. The board approved placing additional funds into an existing trust ...
Shizuoka Financial Group and Bank of Nagoya Sign MOU to Pursue Business Integration
Mar 27, 2026
Shizuoka Financial Group and The Bank of Nagoya have signed a memorandum of understanding to pursue a business integration, building on their existing Shizuoka Nagoya Alliance formed in 2022. The planned structure would create a new holding compan...
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...
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.