Chugin Financial Group,Inc. (JP:5832)
:5832
Want to see JP:5832 full AI Analyst Report?
Top Page
Chugin Financial Group,Inc.
(5832)
Select Model
Select Model
Rating:67Neutral
Price Target:
¥3,087.00
▲(49.60% Upside)
Action:Reiterated
Date:05/03/26
The score is driven mainly by improving profitability and earnings momentum, tempered by leverage and volatile operating cash flow. Valuation is a clear positive (low P/E and solid yield), while technical indicators point to weaker near-term momentum with the stock trading below key short-term moving averages.
Positive Factors
Improving profitability
Sustained revenue growth and a rising net margin to ~16% in 2026 signal improving core profitability. Durable profit expansion increases internal capital for lending and reserves, improves coverage of fixed costs, and supports longer-term earnings resilience if credit conditions remain stable.
Negative Factors
Elevated leverage
High debt-to-equity (~3.1x) leaves the franchise exposed to funding stress and credit shocks; leverage amplifies losses and can constrain strategic choices. In adverse rate or credit scenarios, elevated leverage increases capital strain and regulatory or market pressure over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Improving profitability
Sustained revenue growth and a rising net margin to ~16% in 2026 signal improving core profitability. Durable profit expansion increases internal capital for lending and reserves, improves coverage of fixed costs, and supports longer-term earnings resilience if credit conditions remain stable.
Read all positive factors
Chugin Financial Group,Inc. (5832) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥566.56B
Dividend Yield2.93%
Average Volume (3M)331.95K
Price to Earnings (P/E)15.1
Beta (1Y)1.26
Revenue Growth11.61%
EPS Growth46.17%
CountryJP
Employees2,988
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)155.90
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., 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
null...
Chugin Financial Group,Inc. Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
62
Positive
Cash Flow
54
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 200.14B | 244.25B | 209.60B | 180.00B | 174.96B | 122.29B |
| Gross Profit | 126.44B | 161.12B | 120.87B | 109.25B | 141.14B | 108.89B |
| EBITDA | 39.34B | 60.93B | 42.53B | 34.21B | 32.70B | 29.87B |
| Net Income | 27.92B | 39.70B | 27.43B | 21.39B | 20.49B | 18.37B |
Balance Sheet | ||||||
| Total Assets | 11.24T | 11.37T | 11.05T | 10.76T | 9.85T | 10.21T |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 993.80B | 0.00 | 1.42T | 1.51T | 1.76T |
| Total Debt | 2.69T | 1.90T | 1.89T | 1.67T | 1.08T | 1.64T |
| Total Liabilities | 10.67T | 10.75T | 10.50T | 10.18T | 9.32T | 9.66T |
| Stockholders Equity | 566.12B | 620.70B | 542.37B | 581.11B | 527.95B | 552.41B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 77.37B | 190.50B | -143.96B | -2.10B | -7.53B |
| Operating Cash Flow | 0.00 | 84.02B | 201.50B | -140.46B | 46.00M | -4.90B |
| Investing Cash Flow | 0.00 | -447.45B | -265.07B | -198.39B | 119.18B | -335.52B |
| Financing Cash Flow | 0.00 | 135.05B | 253.74B | 248.12B | -368.95B | 1.10T |
Chugin Financial Group,Inc. Technical Analysis
Positive
2063.50
Price Trends
2918.77
Positive
2856.68
Positive
2473.61
Positive
Market Momentum
28.70
Negative
59.29
Neutral
76.62
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 2938.93, below the 50-day MA of 2918.77, and below the 200-day MA of 2473.61, indicating a bullish trend. The MACD of 28.70 indicates Negative momentum. The RSI at 59.29 is Neutral, neither overbought nor oversold. The STOCH value of 76.62 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 (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
71 Outperform | ¥629.06B | 11.79 | ― | 3.21% | 19.57% | 23.07% | |
68 Neutral | ¥580.78B | 11.64 | ― | 3.15% | 14.92% | 43.45% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | ¥566.56B | 15.13 | ― | 2.93% | 11.61% | 46.17% | |
66 Neutral | ¥623.25B | 12.87 | 5.53% | 2.02% | 5.69% | 24.72% | |
65 Neutral | ¥783.67B | 12.04 | ― | 1.41% | 26.64% | 57.23% | |
63 Neutral | ¥554.95B | 15.31 | 6.09% | 2.93% | 14.21% | -4.70% |
* Financial Sector Average
JP:5832
Chugin Financial Group,Inc.
3,087.00
1,439.52
87.38%
JP:7180
Kyushu Financial Group
1,420.00
718.26
102.35%
JP:8418
Yamaguchi Financial Group
2,838.50
1,369.00
93.16%
JP:7327
Daishi Hokuetsu Financial Group, Inc.
2,111.00
1,044.72
97.98%
JP:7337
Hirogin Holdings, Inc.
2,068.00
893.27
76.04%
JP:8377
Hokuhoku Financial Group, Inc.
6,514.00
3,829.07
142.61%
Chugin Financial Group,Inc. Corporate Events
Chugin Financial Group Lifts Year-End Dividend on Strong FY2026 Earnings
May 1, 2026
Chugin Financial Group has revised its planned year-end dividend for the fiscal year ended March 31, 2026, raising the payout to ¥53 per share from the previously forecast ¥42, following stronger-than-expected profit expansion. Subject t...
Chugin Financial Group Delivers Profit Surge and Higher Dividends for FY2026
May 1, 2026
Chugin Financial Group reported strong consolidated results for the fiscal year ended March 31, 2026, with ordinary income rising 17.6% year on year to ¥249.1 billion and ordinary profit jumping 46.2% to ¥56.0 billion. Profit attributabl...
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...
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.