Chugin Financial Group,Inc. (5832) AI Stock Analysis

• Market Cap: ¥480.94B
• Dividend Yield: 2.93%
• Average Volume (3M): 331.95K
• Price to Earnings (P/E): 15.5
• Beta (1Y): 1.16
• Revenue Growth: 9.27%
• EPS Growth: 19.72%
• Country: JP
• Employees: 2,988
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 42.08
• Shares Outstanding: 184,771,450
• 10 Day Avg. Volume: 358,280
• 30 Day Avg. Volume: 331,950
• PEG Ratio: 0.36
• Price to Book (P/B): 0.55
• Price to Sales (P/S): 2.44
• P/FCF Ratio: 1.58
• 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: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 67 Neutral
• Price Target: ¥2,666.00 ▲(29.20% Upside)

The score is driven primarily by improving FY2025 profitability and revenue recovery, supported by bullish technical momentum. Offsetting factors are the more levered balance sheet and historically inconsistent cash generation, while valuation appears broadly reasonable with a ~3% dividend yield.

Positive Factors

Revenue Growth

The sharp revenue rebound in FY2025 indicates strong market demand and effective business strategies, enhancing long-term growth prospects.

Profitability Improvement

Improved profitability margins suggest better cost management and pricing power, which can sustain earnings growth over the long term.

Dividend Increase

Increasing dividends reflect strong cash flow and a commitment to returning value to shareholders, enhancing investor confidence and capital efficiency.

Negative Factors

Rising Leverage

Higher leverage can limit financial flexibility and increase risk, especially if credit conditions tighten, impacting long-term stability.

Inconsistent Cash Flow

Volatile cash flow suggests challenges in converting earnings to cash, which could hinder investment and operational stability over time.

Uneven Revenue Pattern

Inconsistent revenue growth may indicate market volatility or operational challenges, potentially affecting long-term business predictability.

Chugin Financial Group,Inc. Business Overview & Revenue Model

Company Description

Chugin Financial Group, Inc. (5832) is a financial services company headquartered in Japan. The company operates primarily in the banking sector, offering a range of financial products and services. Its core offerings include retail and corporate banking services, asset management, and financial advisory services. The group serves a diverse clientele, including individuals, businesses, and institutional clients, leveraging its extensive network and expertise in financial markets.

How the Company Makes Money

Chugin Financial Group, Inc. generates revenue through various financial services, with a primary focus on traditional banking operations. Key revenue streams include interest income from loans and advances to customers, fees from financial advisory and asset management services, and transaction fees from payment and settlement services. The company also earns money through investments in securities and other financial instruments. Partnerships with other financial institutions and collaborations with businesses enhance its service offerings and contribute to its earnings. Additionally, the group's strategic initiatives to expand digital banking capabilities and enhance customer engagement support its revenue growth.

Chugin Financial Group,Inc. Financial Statement Overview

Summary

Chugin Financial Group, Inc. displays a combination of strengths and challenges. Profitability metrics are strong, but revenue and cash flow volatility pose risks. The balance sheet reflects moderate leverage and stable equity utilization, yet cash flow inconsistencies need addressing to enhance financial health.

Income Statement

The income statement reveals mixed performance. The TTM data shows a gross profit margin of 112.0% and a net profit margin of 15.8%, indicating strong profitability. However, revenue growth is inconsistent, with a significant decline from 2023 to 2024, suggesting volatility. The EBIT and EBITDA margins show fluctuations over the years, reflecting operational challenges.

Balance Sheet

The balance sheet demonstrates moderate financial stability. The debt-to-equity ratio in the TTM period is 1.44, signifying manageable leverage. The equity ratio stands at 5.1%, indicating a modest equity base relative to total assets. Return on equity is solid at 4.2%, showing effective utilization of equity.

Cash Flow

The cash flow statement indicates potential concerns. Free cash flow has been negative in several periods, and operating cash flow is inconsistent, with a significant drop in the last annual report. The absence of meaningful growth in free cash flow suggests cash management challenges.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	128.03B	123.09B	113.71B	157.42B	116.87B	107.33B
Gross Profit	128.03B	123.09B	174.20B	157.42B	116.87B	107.33B
EBITDA	44.40B	31.66B	28.29B	14.56B	29.87B	25.39B
Net Income	27.92B	27.43B	21.39B	20.49B	18.37B	14.42B
Balance Sheet
Total Assets	11.24T	11.05T	10.76T	9.85T	10.21T	9.15T
Cash, Cash Equivalents and Short-Term Investments	0.00	0.00	1.42T	1.51T	1.76T	-1.03T
Total Debt	1.89T	1.89T	1.67T	1.08T	1.64T	730.75B
Total Liabilities	10.67T	10.50T	10.18T	9.32T	9.66T	8.59T
Stockholders Equity	566.12B	542.37B	581.11B	527.95B	552.41B	562.20B
Cash Flow
Free Cash Flow	0.00	190.50B	-143.96B	-2.10B	-7.53B	17.54B
Operating Cash Flow	0.00	201.50B	-140.46B	46.00M	-4.90B	20.14B
Investing Cash Flow	0.00	-265.07B	-198.39B	119.18B	-335.52B	-515.57B
Financing Cash Flow	0.00	253.74B	248.12B	-368.95B	1.10T	929.65B

Chugin Financial Group,Inc. Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 2063.50
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:5832, the sentiment is Positive. The current price of 2063.5 is below the 20-day moving average (MA) of 2470.13, below the 50-day MA of 2332.19, and above the 200-day MA of 1955.07, indicating a bullish trend. The MACD of 72.83 indicates Negative momentum. The RSI at 72.62 is Negative, neither overbought nor oversold. The STOCH value of 89.74 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:5832.

Chugin Financial Group,Inc. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
7327	79 Outperform	¥479.81B	12.18	―	3.15%	12.71%	71.94%
8418	77 Outperform	¥438.33B	11.66	6.09%	2.93%	5.87%	50.22%
8377	75 Outperform	¥603.21B	12.10	―	1.41%	28.83%	105.24%
7180	75 Outperform	¥476.66B	12.85	4.93%	2.02%	12.96%	44.62%
8410	70 Neutral	¥297.67B	19.31	―	3.66%	3.30%	79.42%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
5832	67 Neutral	¥480.94B	15.51	―	2.93%	9.27%	19.72%

Chugin Financial Group,Inc. Corporate Events

Chugin Financial Group Increases Dividend Forecasts Amid Profit Growth

Chugin Financial Group, Inc. announced an increase in its dividend forecasts for the fiscal year ending March 31, 2026, following improved profit results. The company has revised its year-end dividend per share from ¥37.0 to ¥42.0, resulting in an annual dividend of ¥79.0 per share, reflecting its commitment to shareholder returns and capital efficiency.

Chugin Financial Group Reports Strong Financial Growth and Revised Dividend Forecast

Chugin Financial Group, Inc. reported its consolidated financial results for the six months ended September 30, 2025, showing significant growth in ordinary income and profit attributable to owners of the parent, with increases of 11.2% and 18.8% respectively, compared to the same period in 2024. The company also announced a revision in its dividend forecast, indicating a positive outlook for the fiscal year ending March 31, 2026, which may impact stakeholders positively by enhancing shareholder value.