Kyoto Financial Group,Inc. (JP:5844)
:5844
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Kyoto Financial Group,Inc.
(5844)
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Rating:75Outperform
Price Target:
¥4,896.00
▲(39.45% Upside)
Action:ReiteratedDate:03/13/26
The score is driven primarily by strong technical uptrend and momentum (price well above major moving averages and positive MACD), supported by solid revenue growth and profitability. The rating is held back by higher leverage, modest ROE, weaker operating cash conversion, and only moderate valuation support (P/E ~19.8 and 1.6% dividend yield).
Positive Factors
Revenue growth & profitability
Sustained revenue growth (c.17.6%) coupled with a healthy 25.46% net margin indicates durable business expansion and disciplined cost management. Over the next 2–6 months this supports internal capital generation, resilience through economic cycles, and capacity to fund strategic initiatives.
Negative Factors
Higher leverage
An elevated debt-to-equity ratio (1.05) increases financial leverage and sensitivity to interest and funding shocks. Over a medium-term horizon this can constrain strategic flexibility, raise funding costs, and magnify earnings volatility if asset yields or credit quality weaken.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue growth & profitability
Sustained revenue growth (c.17.6%) coupled with a healthy 25.46% net margin indicates durable business expansion and disciplined cost management. Over the next 2–6 months this supports internal capital generation, resilience through economic cycles, and capacity to fund strategic initiatives.
Read all positive factors
Kyoto Financial Group,Inc. (5844) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥1.25T
Dividend Yield2.04%
Average Volume (3M)759.45K
Price to Earnings (P/E)19.8
Beta (1Y)0.94
Revenue Growth18.13%
EPS Growth27.43%
CountryJP
Employees3,473
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)43.32
Shares Outstanding301,362,760
10 Day Avg. Volume603,580
30 Day Avg. Volume759,450
Financial Highlights & Ratios
PEG Ratio1.04
Price to Book (P/B)0.61
Price to Sales (P/S)4.04
P/FCF Ratio5.40
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)158.71
Revenue Forecast (FY)¥159.85B
Kyoto Financial Group,Inc. Business Overview & Revenue Model
Company Description
Kyoto Financial Group,Inc., through its subsidiary The Bank of Kyoto, Ltd., provides various banking products and services in Japan. It accepts current, ordinary, savings, time, and other deposits, as well as deposits at notice and negotiable cert...
Kyoto Financial Group,Inc. Financial Statement Overview
Summary
Income Statement
85
Very Positive
Balance Sheet
70
Positive
Cash Flow
60
Neutral
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 195.69B | 164.35B | 134.49B | 122.75B | 124.45B | 104.93B |
| Gross Profit | 156.01B | 137.11B | 118.16B | 113.09B | 110.77B | 92.40B |
| EBITDA | 60.01B | 55.14B | 47.33B | 40.99B | 31.71B | 26.44B |
| Net Income | 43.30B | 36.55B | 31.57B | 27.21B | 20.62B | 16.86B |
Balance Sheet | ||||||
| Total Assets | 12.01T | 12.16T | 11.58T | 11.04T | 12.21T | 12.27T |
| Cash, Cash Equivalents and Short-Term Investments | 756.29B | 1.34T | 962.78B | 1.20T | 2.70T | 2.61T |
| Total Debt | 825.59B | 1.77T | 1.33T | 258.26B | 3.08T | 3.57T |
| Total Liabilities | 10.83T | 11.08T | 10.44T | 10.05T | 11.12T | 11.11T |
| Stockholders Equity | 1.18T | 1.08T | 1.14T | 989.63B | 1.09T | 1.17T |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 123.08B | 100.38B | 30.59B | 3.59B | 44.34B |
| Operating Cash Flow | 0.00 | 127.46B | 104.19B | 32.26B | 7.36B | 46.76B |
| Investing Cash Flow | 0.00 | -309.49B | -556.16B | -483.58B | 32.95B | -264.21B |
| Financing Cash Flow | 0.00 | 574.75B | 207.08B | -1.04T | 58.81B | 1.73T |
Kyoto Financial Group,Inc. Technical Analysis
Positive
3511.00
Price Trends
3867.40
Positive
3612.92
Positive
3210.20
Positive
Market Momentum
169.98
Negative
58.98
Neutral
74.86
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:5844, the sentiment is Positive. The current price of 3511 is below the 20-day moving average (MA) of 4054.15, below the 50-day MA of 3867.40, and above the 200-day MA of 3210.20, indicating a bullish trend. The MACD of 169.98 indicates Negative momentum. The RSI at 58.98 is Neutral, neither overbought nor oversold. The STOCH value of 74.86 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:5844.
Kyoto Financial Group,Inc. Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
75 Outperform | ¥1.25T | 19.77 | ― | 2.04% | 18.13% | 27.43% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | ¥880.13B | 8.76 | ― | 2.10% | 1.39% | 52.58% | |
66 Neutral | ¥1.16T | 8.94 | 8.24% | 3.06% | 12.77% | 9.22% | |
65 Neutral | ¥405.52B | 14.75 | ― | 1.50% | 15.79% | 78.27% | |
64 Neutral | ¥1.00T | 11.66 | ― | 2.00% | 18.45% | 41.89% | |
62 Neutral | ¥1.37T | 14.17 | ― | 3.04% | 9.16% | 29.12% |
* Financial Sector Average
JP:5844
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Kyoto Financial Group,Inc. Corporate Events
Kyoto Financial Group Sharply Expands Share Buyback Authorization and Timeline
Mar 11, 2026
Kyoto Financial Group has significantly expanded its share buyback authorization, raising the maximum number of common shares to be repurchased from 1 million to 6 million, or up to 2.11% of issued shares excluding treasury stock. The total buybac...
Kyoto Financial Group Triples Annual Dividend Forecast After Earnings Upgrade
Mar 11, 2026
Kyoto Financial Group, Inc. has sharply raised its year-end dividend forecast for the fiscal year ending March 31, 2026, following an upward revision to its earnings outlook. The company now plans a fiscal-year-end dividend of 140 yen per share, u...
Kyoto Financial Group Lifts Profit Outlook on Large Stock Sale Gains
Mar 11, 2026
Kyoto Financial Group, Inc., a Japanese banking and financial services provider centered on The Bank of Kyoto, Ltd., manages a diversified securities portfolio that includes government bonds and equities, and is listed on the TSE Prime market. The...
Kyoto Financial Group Leaves Share Buyback Authorization Untapped Through February
Mar 4, 2026
Kyoto Financial Group, Inc. reported that, despite having board authorization to buy back up to 1,000,000 shares or ¥2.0 billion of its common stock between November 17, 2025 and March 31, 2026, it conducted no repurchases during the period f...
Kyoto Financial Group’s Bank of Kyoto to Sell Part of Nintendo Stake
Feb 27, 2026
Kyoto Financial Group said its core unit, The Bank of Kyoto, plans to sell 10 million shares of Nintendo Co., Ltd. in a secondary offering, trimming part of its long-held equity stake in the game maker. The move reflects ongoing portfolio manageme...
Kyoto Financial Group Keeps Strong Capital Ratios as Risk-Weighted Assets Rise
Feb 10, 2026
Kyoto Financial Group reported a consolidated domestic standard capital adequacy ratio of 11.96% as of December 31, 2025, unchanged from the previous quarter, with capital rising to ¥511.7 billion and risk-weighted assets increasing to ¥...
Kyoto Financial Group Reports No Share Buybacks Yet Under Authorized Repurchase Program
Feb 4, 2026
Kyoto Financial Group, Inc. announced the status of its ongoing share repurchase program authorized by its board in November 2025, which allows for the buyback of up to 1,000,000 common shares, or about 0.35% of shares outstanding, with an upper l...
Kyoto Financial Group Delivers Strong Nine-Month Earnings and Lifts Dividend Outlook
Jan 30, 2026
Kyoto Financial Group reported solid growth for the nine months ended December 31, 2025, with ordinary income rising 24.2% year on year to ¥160.6 billion, ordinary profit up 20.7% to ¥54.8 billion, and net income attributable to owners o...
Kyoto Financial Group Reports No Share Repurchases in December Under Buyback Program
Jan 7, 2026
Kyoto Financial Group, Inc. announced that, despite having Board approval to repurchase up to 1 million shares of its common stock (0.35% of issued shares, excluding treasury stock) for up to ¥2.0 billion between November 17, 2025 and March 3...
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.