Kyoto Financial Group,Inc. (JP:5844)
:5844
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Kyoto Financial Group,Inc.
(5844)
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Rating:69Neutral
Price Target:
¥4,818.00
▲(37.23% Upside)
Action:Downgraded
Date:05/15/26
Overall score reflects solid fundamentals with strong recent earnings momentum, supported by favorable technical trends. The score is held back by balance-sheet/return consistency concerns and volatile cash flow, plus a valuation that is only moderate given the P/E and dividend yield.
Positive Factors
Recent earnings surge
The sharp FY2026 revenue and net income rise materially increases recurring earnings capacity and retained capital. That stronger income base supports sustained lending capacity, internal investment and loss-absorbing buffers, improving long-term operating flexibility.
Negative Factors
Volatile cash generation
A sharp drop in free cash flow signals inconsistent cash conversion and weaker near-term internal funding. Volatile FCF complicates reliable dividend policy, loan growth funding and reinvestment plans, raising execution risk over the next several quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Recent earnings surge
The sharp FY2026 revenue and net income rise materially increases recurring earnings capacity and retained capital. That stronger income base supports sustained lending capacity, internal investment and loss-absorbing buffers, improving long-term operating flexibility.
Read all positive factors
Kyoto Financial Group,Inc. (5844) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥1.28T
Dividend Yield2.04%
Average Volume (3M)759.45K
Price to Earnings (P/E)12.0
Beta (1Y)0.94
Revenue Growth18.06%
EPS Growth170.83%
CountryJP
Employees3,473
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)151.16
Shares Outstanding301,362,760
10 Day Avg. Volume603,580
30 Day Avg. Volume759,450
Financial Highlights & Ratios
PEG Ratio0.07
Price to Book (P/B)1.02
Price to Sales (P/S)3.17
P/FCF Ratio37.78
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)225.43
Revenue Forecast (FY)¥198.32B
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...
How the Company Makes Money
Kyoto Financial Group, Inc. generates earnings primarily through its consolidated financial subsidiaries, with core profitability driven by banking operations. Key revenue streams generally include: (1) net interest income from the spread between ...
Kyoto Financial Group,Inc. Financial Statement Overview
Summary
Income Statement
82
Very Positive
Balance Sheet
58
Neutral
Cash Flow
55
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 195.69B | 366.23B | 164.35B | 134.49B | 122.75B | 124.45B |
| Gross Profit | 156.01B | 322.24B | 137.11B | 118.16B | 113.09B | 110.77B |
| EBITDA | 60.01B | 141.58B | 55.14B | 47.33B | 40.99B | 31.71B |
| Net Income | 43.30B | 96.72B | 36.55B | 31.57B | 27.21B | 20.62B |
Balance Sheet | ||||||
| Total Assets | 12.01T | 11.83T | 12.16T | 11.58T | 11.04T | 12.21T |
| Cash, Cash Equivalents and Short-Term Investments | 756.29B | 925.65B | 1.34T | 962.78B | 1.20T | 2.70T |
| Total Debt | 825.59B | 694.21B | 1.77T | 1.33T | 258.26B | 3.08T |
| Total Liabilities | 10.83T | 10.69T | 11.08T | 10.44T | 10.05T | 11.12T |
| Stockholders Equity | 1.18T | 1.14T | 1.08T | 1.14T | 989.63B | 1.09T |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 30.69B | 123.08B | 100.38B | 30.59B | 3.59B |
| Operating Cash Flow | 0.00 | 36.77B | 127.46B | 104.19B | 32.26B | 7.36B |
| Investing Cash Flow | 0.00 | 570.00M | -309.49B | -556.16B | -483.58B | 32.95B |
| Financing Cash Flow | 0.00 | -454.10B | 574.75B | 207.08B | -1.04T | 58.81B |
Kyoto Financial Group,Inc. Technical Analysis
Positive
3511.00
Price Trends
4270.22
Positive
3898.42
Positive
3423.63
Positive
Market Momentum
45.05
Positive
54.07
Neutral
55.12
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 4366.20, below the 50-day MA of 4270.22, and above the 200-day MA of 3423.63, indicating a bullish trend. The MACD of 45.05 indicates Positive momentum. The RSI at 54.07 is Neutral, neither overbought nor oversold. The STOCH value of 55.12 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 |
|---|---|---|---|---|---|---|---|
70 Outperform | ¥1.58T | 15.28 | ― | 3.04% | 15.67% | 22.94% | |
69 Neutral | ¥1.28T | 11.98 | ― | 2.04% | 18.06% | 170.83% | |
68 Neutral | ¥1.19T | 13.40 | ― | 2.00% | 26.77% | 52.41% | |
68 Neutral | ¥1.25T | 13.04 | 8.24% | 3.06% | 22.25% | 18.47% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | ¥930.89B | 11.15 | ― | 2.10% | 8.96% | 42.70% | |
66 Neutral | ¥475.20B | 20.19 | ― | 1.50% | 18.76% | 15.43% |
* Financial Sector Average
JP:5844
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Kyoto Financial Group,Inc. Corporate Events
Kyoto Financial Group Revamps Board and Executive Ranks Ahead of 2026
May 14, 2026
Kyoto Financial Group, Inc. and its core subsidiary The Bank of Kyoto, Ltd. announced a slate of leadership changes effective June 26, 2026, including the appointment of Junya Naruse, former president of Daiwa Investor Relations, as a new outside ...
Kyoto Financial Group Expands Share Buyback and Extends Acquisition Period
May 14, 2026
Kyoto Financial Group has expanded its share repurchase authorization and extended the buyback period, reinforcing its commitment to shareholder returns. The company will now be able to repurchase up to 9 million common shares, or about 3.16% of i...
Kyoto Financial Group Posts Profit Surge and Special Dividend as Earnings Peak
May 14, 2026
Kyoto Financial Group reported a sharp improvement in earnings for the year ended March 31, 2026, with ordinary income rising 119.2% to ¥366.7 billion and net income attributable to owners of the parent surging 164.6% to ¥96.7 billion. P...
Kyoto Financial Group to Dispose of Treasury Shares for New Employee Stock Ownership Plan
May 14, 2026
Kyoto Financial Group has approved the disposal of 330,000 shares of its treasury stock, worth about 1.48 billion yen at 4,484 yen per share, to a trust account at The Master Trust Bank of Japan as part of a new stock-based remuneration plan. The ...
Kyoto Financial Group Launches ESOP-Based Stock Remuneration Plan for Employees
May 14, 2026
Kyoto Financial Group will introduce a new stock remuneration plan for employees across the group, using an Employee Stock Ownership Plan (ESOP) Trust that acquires company shares and allocates them based on predefined share delivery rules. The in...
Kyoto Financial Group Advances Share Buyback with 926,000-Share Repurchase
May 8, 2026
Kyoto Financial Group, Inc. has been repurchasing its own common shares as part of a board-approved share buyback program aimed at managing its capital structure and enhancing shareholder value. The company acquired 926,000 shares on the Tokyo Sto...
Kyoto Financial Group Reports No Share Buybacks Despite Approved Repurchase Program
Apr 3, 2026
Kyoto Financial Group, Inc. announced that, despite having board authorization to repurchase up to 6,000,000 shares of its common stock for as much as 15.0 billion yen by September 30, 2026, it acquired no shares during the period from March 1 to ...
Kyoto Financial Group Sets Ambitious 2026–2028 Plan to Drive Growth from Kyoto and Kansai
Apr 2, 2026
Kyoto Financial Group has unveiled a three-year Medium-Term Management Plan for fiscal 2026–2028 under the banner “Using Kyoto and Kansai Growth to Drive Japan – the Kyoto Financial Group Challenge,” designed to accelerate ...
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...
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.