Chugin Financial Group,Inc. (JP:5832)
:5832
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Chugin Financial Group,Inc.
(5832)
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Rating:65Neutral
Price Target:
¥2,996.00
▲(45.19% Upside)
Action:ReiteratedDate:03/05/26
The score is driven primarily by improving FY2025 earnings and margins, tempered by higher leverage and historically inconsistent cash generation. Valuation is a clear positive with a low P/E and moderate dividend yield, while technical signals are mixed with weaker near-term trend versus a still-supportive longer-term trend.
Positive Factors
Revenue & Margin Rebound
A large FY2025 revenue rebound with materially higher EBIT and net margins indicates the core banking operations achieved stronger spread and fee recovery. Higher sustainable margins increase internal capital generation, improve buffer for credit cycles, and support longer-term lending and investment capacity.
Negative Factors
Rising Leverage
A materially higher debt-to-equity ratio over recent years raises funding and solvency sensitivity for a bank. Elevated leverage reduces capital cushions against credit losses, increases refinancing and interest rate risk, and constrains flexibility for growth or capital returns during adverse cycles.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue & Margin Rebound
A large FY2025 revenue rebound with materially higher EBIT and net margins indicates the core banking operations achieved stronger spread and fee recovery. Higher sustainable margins increase internal capital generation, improve buffer for credit cycles, and support longer-term lending and investment capacity.
Read all positive factors
Chugin Financial Group,Inc. (5832) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥562.89B
Dividend Yield2.93%
Average Volume (3M)331.95K
Price to Earnings (P/E)7.7
Beta (1Y)1.21
Revenue Growth9.27%
EPS Growth19.72%
CountryJP
Employees2,988
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)79.86
Shares Outstanding184,771,450
10 Day Avg. Volume358,280
30 Day Avg. Volume331,950
Financial Highlights & Ratios
PEG Ratio0.36
Price to Book (P/B)0.55
Price to Sales (P/S)1.43
P/FCF Ratio1.58
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., 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, ord...
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 adviso...
Chugin Financial Group,Inc. Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
54
Neutral
Cash Flow
48
Neutral
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 200.14B | 209.60B | 180.00B | 174.96B | 122.29B | 112.06B |
| Gross Profit | 126.44B | 120.87B | 109.25B | 141.14B | 108.89B | 96.39B |
| EBITDA | 39.34B | 42.53B | 34.21B | 32.70B | 29.87B | 25.38B |
| 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 | 2.69T | 1.89T | 1.67T | 1.08T | 1.64T | 1.17T |
| 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
Positive
2063.50
Price Trends
2981.49
Positive
2693.53
Positive
2332.86
Positive
Market Momentum
42.60
Negative
57.98
Neutral
83.67
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 2898.27, below the 50-day MA of 2981.49, and below the 200-day MA of 2332.86, indicating a bullish trend. The MACD of 42.60 indicates Negative momentum. The RSI at 57.98 is Neutral, neither overbought nor oversold. The STOCH value of 83.67 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
79 Outperform | ¥554.37B | 9.62 | ― | 3.15% | 12.71% | 71.94% | |
70 Outperform | ¥527.58B | 15.28 | 6.09% | 2.93% | 5.87% | 50.22% | |
70 Outperform | ¥574.45B | 9.42 | ― | 3.21% | 19.82% | 29.59% | |
69 Neutral | ¥761.27B | 9.74 | ― | 1.41% | 28.83% | 105.24% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | ¥568.39B | 10.79 | 5.53% | 2.02% | 12.96% | 44.62% | |
65 Neutral | ¥562.89B | 7.73 | ― | 2.93% | 9.27% | 19.72% |
* Financial Sector Average
JP:5832
Chugin Financial Group,Inc.
3,086.00
1,682.80
119.93%
JP:7180
Kyushu Financial Group
1,295.00
685.91
112.61%
JP:8418
Yamaguchi Financial Group
2,698.50
1,269.75
88.87%
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Daishi Hokuetsu Financial Group, Inc.
2,015.00
1,127.77
127.11%
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Hirogin Holdings, Inc.
1,928.50
911.04
89.54%
JP:8377
Hokuhoku Financial Group, Inc.
6,271.00
4,108.19
189.95%
Chugin Financial Group,Inc. Corporate Events
Chugin Financial Group to Overhaul Top Leadership in April 2026
Feb 26, 2026
Chugin Financial Group, Inc. has approved a leadership reshuffle that will see significant changes to its representative directors from April 1, 2026, and following the June 2026 ordinary general meeting of shareholders. Current executives Tetsuji...
Chugin Financial Group Reports Solid Capital Buffers Amid Rising Risk-Weighted Assets
Feb 13, 2026
Chugin Financial Group has disclosed its consolidated capital adequacy ratios under the international standard as of December 31, 2025, showing a total capital ratio of 14.03%, down slightly from September, while Tier 1 and common equity Tier 1 ra...
Chugin Financial Group’s Nine-Month Profit Surges, Dividend Outlook Raised
Feb 4, 2026
Chugin Financial Group posted nine-month fiscal 2025 ordinary income of ¥182.4 billion and ordinary profit of ¥45.5 billion, up 13.9% and 55.7% respectively, while profit attributable to owners rose 54.9% to ¥31.6 billion, driven by...
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.