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

• Market Cap: ¥392.66B
• Dividend Yield: 2.87%
• Average Volume (3M): 288.23K
• Price to Earnings (P/E): 13.8
• Beta (1Y): 1.11
• Revenue Growth: 10.60%
• EPS Growth: 20.32%
• Country: JP
• Employees: 2,988
• Sector: Financial
• Sector Strength: 73
• Industry: Banks - Regional
• EPS (TTM): 55.26
• Shares Outstanding: 184,771,450
• 10 Day Avg. Volume: 241,930
• 30 Day Avg. Volume: 288,230
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• 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

• Rating: 63 Neutral
• Price Target: ―

Chugin Financial Group, Inc. is currently positioned at a moderate level, with strong profitability metrics and a reasonable valuation. However, the stock faces challenges due to revenue and cash flow volatility and weak technical indicators suggesting near-term caution. The absence of earnings call insights and corporate events limits additional context.

Positive Factors

Profitability Metrics

Strong profitability metrics indicate effective cost management and pricing strategies, supporting long-term financial health and competitive positioning.

Revenue Growth

Consistent revenue growth suggests successful market penetration and product/service adoption, enhancing the company's market position and future earnings potential.

Balance Sheet Stability

A manageable debt-to-equity ratio reflects financial stability, providing the company with flexibility to invest in growth opportunities without over-leveraging.

Negative Factors

Cash Flow Volatility

Negative free cash flow in multiple periods highlights cash management challenges, potentially limiting the company's ability to fund operations and growth initiatives sustainably.

Revenue Volatility

Inconsistent revenue growth can indicate market or operational challenges, impacting predictability of future earnings and strategic planning.

Operating Cash Flow Inconsistency

Inconsistent operating cash flow suggests potential inefficiencies in operations or revenue collection, which could affect liquidity and investment capacity.

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	123.09B	123.09B	113.71B	157.42B	116.87B	107.33B
Gross Profit	140.93B	123.09B	174.20B	157.42B	116.87B	107.33B
EBITDA	47.05B	31.66B	24.98B	32.70B	29.87B	25.39B
Net Income	27.43B	27.43B	21.39B	20.49B	18.37B	14.42B
Balance Sheet
Total Assets	11.05T	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	10.50T	10.50T	10.18T	9.32T	9.66T	8.59T
Stockholders Equity	542.37B	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: 2157.50
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

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 2157.5 is above the 20-day moving average (MA) of 2108.75, above the 50-day MA of 1982.00, and above the 200-day MA of 1704.68, indicating a bullish trend. The MACD of 39.22 indicates Positive momentum. The RSI at 65.00 is Neutral, neither overbought nor oversold. The STOCH value of 68.19 is Neutral, 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
Sector *	68 Neutral	$18.10B	11.66	9.93%	3.76%	9.70%	1.14%
5832	63 Neutral	¥392.66B	13.82		2.87%	10.60%	20.32%
KYUNF	―	$2.62B	5.22	4.96%	―	―	―
YFGSF	―	$2.37B	11.50	5.35%	7.02%	―	―
7327	78 Outperform	¥375.90B	11.44		3.06%	6.67%	51.21%
8377	71 Outperform	¥468.87B	10.42		1.05%	33.00%	80.88%
8410	70 Neutral	¥280.79B	18.88		3.82%	4.01%	-42.81%

Chugin Financial Group,Inc. Corporate Events

Chugin Financial Group Announces Strong Financial Gains Amidst Comprehensive Income Decline

Chugin Financial Group, Inc. reported a notable increase in its consolidated financial results for the nine months ending December 31, 2024, with ordinary revenues rising by 17.6% and profit attributable to owners increasing by 10.9% compared to the previous year. Despite the overall positive financial performance, the company experienced a decrease in comprehensive income and net assets. The group has maintained its dividend forecast for the fiscal year, indicating stability in shareholder returns.