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Kyoto Financial Group,Inc. (JP:5844)
:5844
Japanese Market
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Kyoto Financial Group,Inc. (5844) AI Stock Analysis

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JP:5844

Kyoto Financial Group,Inc.

(5844)

Rating:71Outperform
Price Target:
¥3,251.00
▲(11.99% Upside)
Kyoto Financial Group, Inc. demonstrates strong financial performance with robust revenue growth and profitability. Technical indicators show bullish momentum, supporting a positive outlook. However, valuation concerns due to a high P/E ratio and moderate dividend yield slightly temper the overall score.

Kyoto Financial Group,Inc. (5844) vs. iShares MSCI Japan ETF (EWJ)

Kyoto Financial Group,Inc. Business Overview & Revenue Model

Company DescriptionKyoto 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 certificates of deposit; and offers loans and overdrafts. The company was incorporated in 1941 and is headquartered in Kyoto, Japan.
How the Company Makes MoneyKyoto Financial Group generates revenue through multiple key streams, including management fees from assets under management (AUM) in its investment funds, performance fees based on the success of its investment strategies, and advisory fees for financial consulting services. The company also earns income from proprietary trading activities and commissions from financial transactions. Significant partnerships with banks, institutional investors, and other financial entities further bolster its revenue, as these collaborations expand its client base and enhance service offerings.

Kyoto Financial Group,Inc. Financial Statement Overview

Summary
Kyoto Financial Group, Inc. exhibits strong revenue growth and profitability, supported by efficient cost management. However, increased leverage and potential liquidity concerns require careful monitoring.
Income Statement
85
Very Positive
Kyoto Financial Group, Inc. has demonstrated strong revenue growth with a 17.65% increase in the latest year, indicating robust business expansion. The net profit margin is healthy at 25.46%, reflecting efficient cost management and profitability. However, the gross profit margin is not provided, which limits a full assessment of cost efficiency. Overall, the income statement shows a positive trajectory with solid EBIT and EBITDA margins.
Balance Sheet
70
Positive
The company's debt-to-equity ratio has increased to 1.05, indicating a higher leverage compared to previous years, which could pose a risk if not managed carefully. Return on equity is modest at 3.38%, suggesting moderate profitability relative to shareholder equity. The equity ratio is not calculated, but the balance sheet reflects a stable asset base. Overall, the balance sheet shows stability but with increased leverage.
Cash Flow
60
Neutral
Kyoto Financial Group, Inc. has shown significant improvement in free cash flow, with a remarkable growth rate. However, the operating cash flow to net income ratio is relatively low at 0.18, indicating potential challenges in converting income into cash. The free cash flow to net income ratio is strong at 0.97, suggesting effective cash generation relative to net income. Overall, the cash flow statement indicates solid free cash flow growth but highlights potential liquidity concerns.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue138.97B158.97B130.14B114.21B112.78B94.21B
Gross Profit138.97B131.09B113.03B114.21B112.78B94.21B
EBITDA50.42B47.38B47.33B40.99B31.71B26.44B
Net Income36.55B36.55B31.57B27.21B20.62B16.86B
Balance Sheet
Total Assets12.16T12.16T11.58T11.04T12.21T12.27T
Cash, Cash Equivalents and Short-Term Investments1.34T1.34T962.78B1.20T2.70T2.61T
Total Debt1.14T1.14T699.86B650.76B1.32T2.00T
Total Liabilities11.08T11.08T10.44T10.05T11.12T11.11T
Stockholders Equity1.08T1.08T1.14T989.63B1.09T1.17T
Cash Flow
Free Cash Flow0.00123.10B100.38B30.59B3.59B1.43T
Operating Cash Flow0.00127.47B-36.76B32.26B7.36B1.44T
Investing Cash Flow0.00-309.49B-175.56B-65.06B66.74B82.18B
Financing Cash Flow0.00575.02B-25.45B-14.40B263.49B-4.54B

Kyoto Financial Group,Inc. Technical Analysis

Technical Analysis Sentiment
Positive
Last Price2903.00
Price Trends
50DMA
2769.64
Positive
100DMA
2587.05
Positive
200DMA
2405.26
Positive
Market Momentum
MACD
43.25
Positive
RSI
56.47
Neutral
STOCH
25.38
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 2903 is above the 20-day moving average (MA) of 2888.75, above the 50-day MA of 2769.64, and above the 200-day MA of 2405.26, indicating a bullish trend. The MACD of 43.25 indicates Positive momentum. The RSI at 56.47 is Neutral, neither overbought nor oversold. The STOCH value of 25.38 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

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
71
Outperform
¥839.31B25.59
2.07%19.01%-1.89%
68
Neutral
$18.06B11.9710.24%3.74%9.75%1.30%
$7.33B14.286.63%3.08%
$5.79B11.467.77%3.44%
$4.74B12.935.13%3.28%
74
Outperform
¥1.06T13.67
3.09%-1.35%24.12%
71
Outperform
¥789.69B14.13
1.77%13.30%40.85%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
JP:5844
Kyoto Financial Group,Inc.
2,903.00
733.41
33.80%
CHBAF
Chiba Bank
10.29
2.35
29.60%
FKKFF
Fukuoka Financial Group
30.16
5.02
19.97%
HACBF
Hachijuni Bank
9.76
3.94
67.70%
JP:5831
Shizuoka Financial Group, Inc.
1,941.00
708.48
57.48%
JP:7167
Mebuki Financial Group, Inc.
905.00
348.20
62.54%

Kyoto Financial Group,Inc. Corporate Events

Kyoto Financial Group Announces Share Repurchase
Apr 3, 2025

Kyoto Financial Group, Inc. announced the repurchase of 1,765,000 shares of its common stock, amounting to approximately 4.03 billion yen, executed through the Tokyo Stock Exchange in March 2025. This move is part of a broader share repurchase plan approved by the Board of Directors, aiming to buy back up to 5 million shares by June 2025, reflecting the company’s strategy to enhance shareholder value.

Kyoto Financial Group Establishes M&A Advisory Subsidiary to Boost Regional Growth
Mar 31, 2025

Kyoto Financial Group, Inc. has announced the establishment of a new subsidiary, Kyoto M&A Advisory Co., Ltd, through a company split of its M&A advisory business from The Bank of Kyoto, Ltd. This strategic move aims to enhance the company’s M&A services, addressing the growing demand for business succession solutions and supporting local economic development. By specializing in M&A advisory services, the new subsidiary is expected to drive sustainable growth for regional companies and improve the overall corporate value of the group.

Kyoto Financial Group Executes Share Repurchase Program
Mar 5, 2025

Kyoto Financial Group, Inc. has repurchased 461,700 shares of its common stock for approximately 999.85 million yen through the Tokyo Stock Exchange during February 2025. This move is part of a broader repurchase plan authorized by the Board of Directors to buy back up to 5 million shares, aiming to optimize capital structure and enhance shareholder returns.

Kyoto Financial Group’s January Share Repurchase Update
Feb 5, 2025

Kyoto Financial Group, Inc. announced that it did not repurchase any of its shares during the designated period from January 1 to January 31, 2025, despite an earlier resolution allowing for the repurchase of up to 5,000,000 shares. This outcome may impact the company’s market activities and investor expectations as the repurchase was intended to influence share value and capital management.

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.Date of analysis: Aug 29, 2025