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Chugin Financial Group,Inc.
(5832)
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Rating:70Outperform
Price Target:
¥3,689.00
▲(78.77% Upside)
Action:Upgraded
Date:08/06/26
The score is driven primarily by improving financial performance (stronger revenue, earnings, and margins), balanced by leverage and cash-flow volatility typical of regional banks. Technicals add support with a clear uptrend and positive MACD, while valuation is reasonable with a moderate P/E and a solid dividend yield.
Positive Factors
Strong 2026 revenue and margin expansion
Sustained revenue growth and a materially higher net margin indicate the bank is earning more from core lending and fee activities. That strengthens earnings durability, supports reinvestment and dividends, and reduces reliance on one-off gains, improving structural profitability over the medium term.
Negative Factors
Elevated leverage relative to equity
High leverage magnifies both upside and downside: in adverse credit or funding conditions losses can erode equity quickly, constraining lending and forcing capital actions. For a regional bank this structural leverage exposes earnings and solvency to macro and credit-cycle shocks.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong 2026 revenue and margin expansion
Sustained revenue growth and a materially higher net margin indicate the bank is earning more from core lending and fee activities. That strengthens earnings durability, supports reinvestment and dividends, and reduces reliance on one-off gains, improving structural profitability over the medium term.
Read all positive factors
Chugin Financial Group,Inc. (5832) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥609.87B
Dividend Yield2.71%
Average Volume (3M)331.95K
Price to Earnings (P/E)13.5
Beta (1Y)1.22
Revenue Growth28.29%
EPS Growth57.51%
CountryJP
Employees3,025
SectorGeneral
Sector StrengthN/A
IndustryBanks - Regional
Share Statistics
EPS (TTM)223.03
Shares Outstanding184,771,450
10 Day Avg. Volume358,280
30 Day Avg. Volume331,950
Financial Highlights & Ratios
PEG Ratio0.27
Price to Book (P/B)0.79
Price to Sales (P/S)2.02
P/FCF Ratio6.37
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)251.1
Revenue Forecast (FY)¥273.10B
Chugin Financial Group,Inc. Business Overview & Revenue Model
Company Description
Chugin Financial Group, Inc. offers a comprehensive suite of financial services, primarily through its key subsidiary, The Chugoku Bank, Limited. The company organizes its operations into distinct Banking, Leasing, and Securities divisions. It pro...
How the Company Makes Money
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Chugin Financial Group,Inc. Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
62
Positive
Cash Flow
54
Neutral
| Breakdown | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 244.25B | 209.60B | 180.00B | 174.96B | 122.29B |
| Gross Profit | 161.12B | 120.87B | 109.25B | 141.14B | 108.89B |
| EBITDA | 60.93B | 42.53B | 34.21B | 32.70B | 29.87B |
| Net Income | 39.70B | 27.43B | 21.39B | 20.49B | 18.37B |
Balance Sheet | |||||
| Total Assets | 11.37T | 11.05T | 10.76T | 9.85T | 10.21T |
| Cash, Cash Equivalents and Short-Term Investments | 993.80B | 1.21T | 1.42T | 1.51T | 1.76T |
| Total Debt | 1.90T | 1.89T | 1.67T | 1.08T | 1.64T |
| Total Liabilities | 10.75T | 10.50T | 10.18T | 9.32T | 9.66T |
| Stockholders Equity | 620.70B | 542.37B | 581.11B | 527.95B | 552.41B |
Cash Flow | |||||
| Free Cash Flow | 77.37B | 190.50B | -143.96B | -2.10B | -7.53B |
| Operating Cash Flow | 84.02B | 201.50B | -140.46B | 46.00M | -4.90B |
| Investing Cash Flow | -447.45B | -265.07B | -198.39B | 119.18B | -335.52B |
| Financing Cash Flow | 135.05B | 253.74B | 248.12B | -368.95B | 1.10T |
Chugin Financial Group,Inc. Technical Analysis
Positive
2063.50
Price Trends
3172.68
Positive
3057.49
Positive
2788.54
Positive
Market Momentum
45.60
Positive
59.03
Neutral
51.79
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 2063.5 is below the 20-day moving average (MA) of 3317.60, below the 50-day MA of 3172.68, and below the 200-day MA of 2788.54, indicating a bullish trend. The MACD of 45.60 indicates Positive momentum. The RSI at 59.03 is Neutral, neither overbought nor oversold. The STOCH value of 51.79 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
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
71 Outperform | ¥670.58B | 15.12 | ― | 3.21% | 19.57% | 23.07% | |
70 Outperform | ¥609.87B | 13.52 | ― | 2.93% | 28.29% | 57.51% | |
68 Neutral | ¥634.98B | 12.88 | ― | 3.15% | 17.99% | 49.43% | |
66 Neutral | ¥651.56B | 16.96 | 5.05% | 1.80% | 5.69% | 24.69% | |
65 Neutral | ¥898.57B | 13.22 | ― | 1.37% | 26.86% | 54.93% | |
63 Neutral | ¥581.83B | 18.93 | 5.00% | 2.05% | 14.21% | -4.70% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
JP:5832
Chugin Financial Group,Inc.
3,385.00
1,382.23
69.02%
JP:7180
Kyushu Financial Group
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2,268.00
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Hokuhoku Financial Group, Inc.
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141.67%
Chugin Financial Group,Inc. Corporate Events
Chugin Financial Group Delivers Strong Quarterly Profit and Raises Dividend Payout Outlook
Jul 30, 2026
Chugin Financial Group posted a sharp rise in results for the quarter ended June 30, 2026, with ordinary income nearly doubling year on year to ¥109.6 billion and ordinary profit up 35.2% to ¥20.3 billion. Profit attributable to owners o...
Chugin Financial Group Adds Materials to FY2026 Earnings Disclosure
May 22, 2026
Chugin Financial Group, Inc., a Japanese financial services holding company listed on the TSE Prime Market, has issued an addendum to its previously disclosed consolidated financial results for the fiscal year ended March 2026 prepared under Japan...
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.