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

• Market Cap: ¥389.73B
• Dividend Yield: 3.4%
• Average Volume (3M): 261.20K
• Price to Earnings (P/E): 13.6
• Beta (1Y): 1.10
• Revenue Growth: 10.60%
• EPS Growth: 20.32%
• Country: JP
• Employees: 2,988
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 55.26
• Shares Outstanding: 184,771,450
• 10 Day Avg. Volume: 322,200
• 30 Day Avg. Volume: 261,196
• 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

• 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.

Chugin Financial Group,Inc. Business Overview & Revenue Model

Company Description

Chugin Financial Group,Inc., through its subsidiary The Chugoku Bank, Limited, provides various financial services. The company operates through Banking, Leasing, and Securities segments. It accepts various deposit products, including current, ordinary, savings, time, installment time, non-resident yen, and foreign currency deposits, as well as deposits at notice, deposits for tax payment, and deposits for offshore accounts. The company also provides credit guarantee, credit card, investment management, advisory, financial instruments brokerage, and asset management services; and loans. In addtion, the company engages in the consignment of office work; and leasing and installment sale of properties and goods. It operates through head office and 137 branch offices, including 5 sub-branch offices, 15 branch-in-branch offices, 2 branch-in-branch sub-branch offices, 1 special sub-branch office, 1 representative office, and 1 internet branch in Japan; and 1 branch and 4 representative offices internationally, as well as 234 ATMs. The company was incorporated in 1930 and is headquartered in Okayama, Japan.

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	24.98B	32.70B	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: 2129.50
• 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 2129.5 is above the 20-day moving average (MA) of 2118.16, above the 50-day MA of 2055.23, and above the 200-day MA of 1719.15, indicating a bullish trend. The MACD of 30.28 indicates Positive momentum. The RSI at 58.35 is Neutral, neither overbought nor oversold. The STOCH value of 24.74 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
8331	73 Outperform	¥1.07T	14.09	6.48%	2.65%	11.33%	20.11%
8354	64 Neutral	¥830.72B	11.05	7.76%	3.62%	10.63%	12.90%
5832	63 Neutral	¥389.73B	13.61	―	3.40%	10.60%	20.32%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

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.