SBI Sumishin Net Bank Ltd (JP:7163)
:7163
Japanese Market
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SBI Sumishin Net Bank Ltd (7163) AI Stock Analysis

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JP:7163

SBI Sumishin Net Bank Ltd

(7163)

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Neutral 67 (OpenAI - 4o)
Rating:67Neutral
Price Target:
$5,289.00
SBI Sumishin Net Bank Ltd's stock score is primarily influenced by its strong financial performance, despite high leverage and declining profit margins. Technical analysis shows stable price trends but potential overbought conditions. The valuation suggests the stock may be overvalued, with a high P/E ratio and low dividend yield. These factors combined result in a moderate overall stock score.

SBI Sumishin Net Bank Ltd (7163) vs. iShares MSCI Japan ETF (EWJ)

SBI Sumishin Net Bank Ltd Business Overview & Revenue Model

Company DescriptionSBI Sumishin Net Bank Ltd (7163) is a Japanese online bank established as a joint venture between Sumitomo Mitsui Trust Holdings and the State Bank of India. Operating primarily in the financial services sector, the bank offers a wide range of products and services, including deposit accounts, loans, and investment products, all delivered through a digital platform. The bank focuses on providing convenient and accessible banking solutions to both individual customers and corporate clients, leveraging technology to enhance customer experience and operational efficiency.
How the Company Makes MoneySBI Sumishin Net Bank generates revenue primarily through interest income from loans and mortgages, as well as fees associated with banking services. The bank earns interest from various loan products including personal loans, home loans, and business loans. Additionally, the bank collects service fees for its online banking services, transaction processing, and investment products. A significant portion of its income is derived from maintaining a spread between the interest paid on deposits and the interest earned from loans. Collaborations with financial technology firms and partnerships with other banks enhance its service offerings, further contributing to its revenue streams.

SBI Sumishin Net Bank Ltd Financial Statement Overview

Summary
Income Statement
78
Positive
Balance Sheet
65
Positive
Cash Flow
72
Positive
Breakdown
Income Statement
Total Revenue
Gross Profit
EBITDA
Net Income
Balance Sheet
Total Assets
Cash, Cash Equivalents and Short-Term Investments
Total Debt
Total Liabilities
Stockholders Equity
Cash Flow
Free Cash Flow
Operating Cash Flow
Investing Cash Flow
Financing Cash Flow

SBI Sumishin Net Bank Ltd Technical Analysis

Technical Analysis Sentiment
Positive
Last Price
Price Trends
50DMA
4876.00
Negative
100DMA
4606.60
Positive
200DMA
4292.55
Positive
Market Momentum
MACD
2.39
Positive
RSI
56.95
Neutral
STOCH
<0.01
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:7163, the sentiment is Positive. The current price of undefined is equal to the 20-day moving average (MA) of 4875.50, equal to the 50-day MA of 4876.00, and equal to the 200-day MA of 4292.55, indicating a neutral trend. The MACD of 2.39 indicates Positive momentum. The RSI at 56.95 is Neutral, neither overbought nor oversold. The STOCH value of <0.01 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:7163.

SBI Sumishin Net Bank Ltd Peers Comparison

Overall Rating
UnderperformOutperform
Sector (―)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
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EPS Growth
* Sector Average
Performance Comparison

SBI Sumishin Net Bank Ltd Corporate Events

SBI Sumishin Net Bank’s Major Shareholder Structure Changes Following NTT DOCOMO Tender Offer
Jul 11, 2025

SBI Sumishin Net Bank, Ltd. announced the successful completion of a tender offer by NTT DOCOMO, INC., resulting in a significant change in its major shareholder structure. This development will see NTT DOCOMO, INC. and its parent company, NTT, becoming major shareholders, potentially impacting the company’s strategic direction and market positioning.

The most recent analyst rating on (JP:7163) stock is a Buy with a Yen4700.00 price target. To see the full list of analyst forecasts on SBI Sumishin Net Bank Ltd stock, see the JP:7163 Stock Forecast page.

SBI Sumishin Net Bank Supports NTT DOCOMO Tender Offer and Forms Strategic Alliance
May 29, 2025

SBI Sumishin Net Bank, Ltd. has announced its support for a tender offer by NTT DOCOMO, INC. for its common shares, recommending shareholders to tender their shares. Additionally, the company has entered into a business alliance agreement with NTT DOCOMO, Sumitomo Mitsui Trust Bank, SBI Holdings, and SBI Securities, aiming to make NTT DOCOMO and Sumitomo Mitsui Trust Bank the sole shareholders, leading to the company’s delisting. This move is expected to consolidate the company’s operations under NTT DOCOMO’s umbrella, potentially enhancing its market positioning and strategic capabilities.

The most recent analyst rating on (JP:7163) stock is a Hold with a Yen3020.00 price target. To see the full list of analyst forecasts on SBI Sumishin Net Bank Ltd stock, see the JP:7163 Stock Forecast page.

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 14, 2025