Kyoto Financial Group,Inc. (5844) AI Stock Analysis

• Market Cap: ¥928.28B
• Dividend Yield: 2.04%
• Average Volume (3M): 759.45K
• Price to Earnings (P/E): 28.3
• Beta (1Y): 1.15
• Revenue Growth: 19.01%
• EPS Growth: -1.89%
• Country: JP
• Employees: 3,473
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 45.12
• Shares Outstanding: 301,362,760
• 10 Day Avg. Volume: 603,580
• 30 Day Avg. Volume: 759,450
• PEG Ratio: 1.04
• Price to Book (P/B): 0.61
• Price to Sales (P/S): 4.18
• P/FCF Ratio: 5.40
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 71 Outperform
• Price Target: ¥3,251.00 ▲(2.01% Upside)

Kyoto Financial Group, Inc. is on a positive growth trajectory with strong financial performance and bullish technical indicators. However, the high P/E ratio suggests potential overvaluation, and increased leverage requires careful management. The absence of earnings call data limits further insights.

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 certificates of deposit; and offers loans and overdrafts. The company was incorporated in 1941 and is headquartered in Kyoto, Japan.

How the Company Makes Money

Kyoto 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

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

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

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.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	139.64B	158.97B	130.14B	118.24B	121.19B	102.41B
Gross Profit	139.64B	138.59B	113.03B	114.21B	118.37B	94.21B
EBITDA	44.14B	55.14B	47.33B	40.99B	31.71B	25.13B
Net Income	32.61B	36.55B	31.57B	27.21B	20.62B	16.86B
Balance Sheet
Total Assets	12.33T	12.16T	11.58T	11.04T	12.21T	12.27T
Cash, Cash Equivalents and Short-Term Investments	0.00	1.34T	962.78B	1.20T	2.70T	2.61T
Total Debt	1.03T	1.14T	699.86B	650.76B	1.80T	2.00T
Total Liabilities	11.10T	11.08T	10.44T	10.05T	11.12T	11.11T
Stockholders Equity	1.23T	1.08T	1.14T	989.63B	1.09T	1.17T
Cash Flow
Free Cash Flow	0.00	123.10B	100.38B	30.59B	3.59B	1.43T
Operating Cash Flow	0.00	127.47B	104.19B	32.26B	7.36B	1.44T
Investing Cash Flow	0.00	-309.49B	-175.56B	-65.06B	66.74B	82.18B
Financing Cash Flow	0.00	575.02B	-25.45B	-14.40B	263.49B	-4.54B

Kyoto Financial Group,Inc. Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 3187.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: 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 3187 is above the 20-day moving average (MA) of 3121.20, above the 50-day MA of 3038.38, and above the 200-day MA of 2546.85, indicating a bullish trend. The MACD of 43.06 indicates Negative momentum. The RSI at 62.35 is Neutral, neither overbought nor oversold. The STOCH value of 79.58 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
8359	76 Outperform	$722.36B	14.07	5.13%	3.13%	7.25%	134.48%
8331	73 Outperform	$1.08T	14.15	6.63%	2.64%	11.33%	20.11%
5831	72 Outperform	¥1.15T	15.09	―	2.79%	-1.35%	24.12%
5844	71 Outperform	¥928.28B	28.30	―	2.04%	19.01%	-1.89%
7167	71 Outperform	¥839.97B	15.22	―	2.21%	13.30%	40.85%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
8354	61 Neutral	$874.88B	11.63	7.77%	3.48%	10.63%	12.90%

Kyoto Financial Group,Inc. Corporate Events

Kyoto Financial Group Announces Share Repurchase Progress

Kyoto Financial Group, Inc. announced the repurchase of 356,100 shares of its common stock for a total of 1,052,075,400 yen during September 2025. This move is part of a broader share repurchase plan authorized by the Board of Directors, aiming to repurchase up to 5,000,000 shares by the end of December 2025, potentially impacting the company’s market positioning and shareholder value.

The most recent analyst rating on (JP:5844) stock is a Buy with a Yen3251.00 price target. To see the full list of analyst forecasts on Kyoto Financial Group,Inc. stock, see the JP:5844 Stock Forecast page.

Kyoto Financial Group Announces Share Repurchase

Kyoto Financial Group, Inc. announced the repurchase of 493,300 shares of its common stock, amounting to approximately 1.4 billion yen, through the Tokyo Stock Exchange. This repurchase is part of a broader plan approved by the Board of Directors to buy back up to 5 million shares, reflecting the company’s strategy to enhance shareholder value and optimize its capital structure.

The most recent analyst rating on (JP:5844) stock is a Buy with a Yen3251.00 price target. To see the full list of analyst forecasts on Kyoto Financial Group,Inc. stock, see the JP:5844 Stock Forecast page.

Kyoto Financial Group Reports Improved Equity-to-Asset Ratios

Kyoto Financial Group, Inc. has reported its equity-to-asset ratio for the first quarter of the fiscal year ending March 31, 2026. The consolidated equity-to-asset ratio stands at 12.17%, showing a slight increase from the previous quarter. The Bank of Kyoto, Ltd., both on a consolidated and non-consolidated basis, also reported increases in their equity-to-asset ratios, indicating a strengthening of their financial position. These improvements suggest a positive impact on the company’s operations and a potentially stronger market positioning, which could be beneficial for stakeholders.

The most recent analyst rating on (JP:5844) stock is a Hold with a Yen2200.00 price target. To see the full list of analyst forecasts on Kyoto Financial Group,Inc. stock, see the JP:5844 Stock Forecast page.

Kyoto Financial Group Announces Share Repurchase

Kyoto Financial Group, Inc. announced the repurchase of 568,300 shares of its common stock, amounting to 1,533,342,100 yen, through the Tokyo Stock Exchange in July 2025. This move is part of a larger share repurchase program approved by the Board of Directors, allowing for a maximum repurchase of 5,000,000 shares or up to 10 billion yen by the end of December 2025, which aims to enhance shareholder value and optimize capital structure.

The most recent analyst rating on (JP:5844) stock is a Hold with a Yen2200.00 price target. To see the full list of analyst forecasts on Kyoto Financial Group,Inc. stock, see the JP:5844 Stock Forecast page.

Kyoto Financial Group Reports Mixed Q2 2025 Results with Increased Dividends

Kyoto Financial Group reported a 10.6% increase in ordinary income for the three months ending June 30, 2025, but saw a decline in ordinary profit and net income by 23.7% and 23.2%, respectively. The company’s comprehensive income surged by 443.4%, indicating strong overall financial health. The equity-to-asset ratio improved to 10.0% from 8.9% in the previous quarter, reflecting a stronger financial position. The company plans to increase its annual dividend to 70 yen per share for the fiscal year ending March 31, 2026, up from 60 yen, signaling confidence in future earnings.

The most recent analyst rating on (JP:5844) stock is a Hold with a Yen2200.00 price target. To see the full list of analyst forecasts on Kyoto Financial Group,Inc. stock, see the JP:5844 Stock Forecast page.