Want to see JP:7167 full AI Analyst Report?
Top Page
Mebuki Financial Group, Inc.
(7167)
Select Model
Select Model
Rating:68Neutral
Price Target:
¥1,680.00
▲(61.85% Upside)
Action:Reiterated
Date:05/15/26
The score is driven primarily by improved profitability and supportive technical momentum (price above key moving averages with a positive MACD). Offsetting these strengths are balance-sheet leverage and especially cash-flow inconsistency across prior years, while valuation appears reasonable with a modest dividend yield.
Positive Factors
Profitability Improvement
Sustained revenue (+~20%) and net income growth to ¥84.2B with expanding net and operating margins demonstrates improving core earnings power. Durable margin recovery increases internal capital generation, funding loan growth, reserves, and shareholder distributions over medium term.
Negative Factors
Volatile Cash Flows
Historic swings in operating and free cash flow undermine confidence in recurring cash generation. If cash volatility returns, it could constrain lending capacity, capital returns, and debt reduction plans, forcing reliance on wholesale funding or asset sales during stress periods.
Read all positive and negative factors
Positive Factors
Negative Factors
Profitability Improvement
Sustained revenue (+~20%) and net income growth to ¥84.2B with expanding net and operating margins demonstrates improving core earnings power. Durable margin recovery increases internal capital generation, funding loan growth, reserves, and shareholder distributions over medium term.
Read all positive factors
Mebuki Financial Group, Inc. (7167) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥1.35T
Dividend Yield2%
Average Volume (3M)2.72M
Price to Earnings (P/E)17.3
Beta (1Y)1.21
Revenue Growth26.77%
EPS Growth52.39%
CountryJP
Employees5,855
SectorGeneral
Sector StrengthN/A
IndustryBanks - Regional
Share Statistics
EPS (TTM)89.08
Shares Outstanding947,055,240
10 Day Avg. Volume2,879,460
30 Day Avg. Volume2,724,843
Financial Highlights & Ratios
PEG Ratio0.26
Price to Book (P/B)1.05
Price to Sales (P/S)2.82
P/FCF Ratio6.11
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)107.33
Revenue Forecast (FY)¥249.80B
Mebuki Financial Group, Inc. Business Overview & Revenue Model
Company Description
Mebuki Financial Group, Inc. is a financial services provider operating both within Japan and globally. It accepts diverse types of deposits and extends credit to both corporate clients and individual consumers, notably offering housing loan produ...
How the Company Makes Money
The company makes money primarily through earnings generated by its banking subsidiaries and other financial group entities. Key revenue streams typically include: (1) Net interest income: interest earned on loans and other interest-bearing assets...
Mebuki Financial Group, Inc. Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
62
Positive
Cash Flow
45
Neutral
| Breakdown | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 399.64B | 316.78B | 270.93B | 290.30B | 217.85B |
| Gross Profit | 308.21B | 248.26B | 224.16B | 258.42B | 194.32B |
| EBITDA | 126.53B | 91.14B | 71.14B | 55.07B | 70.28B |
| Net Income | 84.16B | 58.23B | 43.37B | 32.18B | 42.96B |
Balance Sheet | |||||
| Total Assets | 21.17T | 21.41T | 21.79T | 21.39T | 24.13T |
| Cash, Cash Equivalents and Short-Term Investments | 2.46T | 3.23T | 4.44T | 4.82T | 7.27T |
| Total Debt | 1.60T | 2.27T | 2.77T | 2.56T | 10.23T |
| Total Liabilities | 20.10T | 20.44T | 20.80T | 20.48T | 23.17T |
| Stockholders Equity | 1.08T | 965.98B | 989.37B | 904.75B | 959.06B |
Cash Flow | |||||
| Free Cash Flow | 184.42B | 0.00 | -31.72B | -3.37T | 1.23T |
| Operating Cash Flow | 197.93B | 0.00 | -25.96B | -3.37T | -6.86B |
| Investing Cash Flow | -445.69B | -195.56B | -325.34B | 922.43B | -358.51B |
| Financing Cash Flow | -532.35B | -413.36B | -31.95B | -16.67B | 589.54B |
Mebuki Financial Group, Inc. Technical Analysis
Positive
1038.00
Price Trends
1394.23
Positive
1325.98
Positive
1167.28
Positive
Market Momentum
46.79
Negative
68.86
Neutral
85.76
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:7167, the sentiment is Positive. The current price of 1038 is below the 20-day moving average (MA) of 1451.87, below the 50-day MA of 1394.23, and below the 200-day MA of 1167.28, indicating a bullish trend. The MACD of 46.79 indicates Negative momentum. The RSI at 68.86 is Neutral, neither overbought nor oversold. The STOCH value of 85.76 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:7167.
Mebuki Financial Group, Inc. Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
76 Outperform | ¥1.18T | 18.05 | 6.30% | 2.87% | 21.54% | 39.15% | |
69 Neutral | ¥1.40T | 13.73 | ― | 2.04% | 18.06% | 171.43% | |
68 Neutral | ¥1.35T | 17.28 | ― | 2.00% | 26.77% | 52.39% | |
68 Neutral | ¥1.42T | 16.12 | 8.24% | 3.06% | 22.25% | 18.46% | |
67 Neutral | ¥997.85B | 12.84 | ― | 2.10% | 8.96% | 42.62% | |
66 Neutral | ¥948.07B | 16.07 | 8.19% | 3.14% | 22.63% | 36.09% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
JP:7167
Mebuki Financial Group, Inc.
1,539.50
774.23
101.17%
JP:8354
Fukuoka Financial Group
7,286.00
3,378.68
86.47%
JP:8334
Gunma Bank
2,492.50
1,270.72
104.01%
JP:8359
Hachijuni Bank
2,551.00
1,333.16
109.47%
JP:5830
Iyogin Holdings,Inc.
3,259.00
1,593.74
95.71%
JP:5844
Kyoto Financial Group,Inc.
4,654.00
2,050.32
78.75%
Mebuki Financial Group, Inc. Corporate Events
Mebuki Financial Group to Grant Restricted Stock to Executives via Treasury Share Disposal
Jun 24, 2026
Mebuki Financial Group has approved the disposal of 244,563 treasury shares as restricted stock compensation for 46 directors and executive officers at the parent company and its core banking subsidiaries, The Joyo Bank and The Ashikaga Bank. Pric...
Mebuki Financial Group Raises FY2026 Ordinary Profit YoY Forecast After Data Correction
Jun 2, 2026
Mebuki Financial Group, Inc. has issued a correction to its recently announced financial results for the fiscal year 2025, clarifying an error in its forecast data for fiscal 2026. The revision relates specifically to the year-on-year change in pr...
Mebuki Financial Group Boosts Full-Year Ordinary Income by 23%
May 13, 2026
Mebuki Financial Group reported a significant rise in consolidated ordinary income for the fiscal year ended March 31, 2026, with earnings climbing 23.0% year on year to ¥443.3 billion. The improvement underscores stronger profitability relat...
Mebuki Financial Group Announces FY2025 Results and FY2026 Outlook
May 13, 2026
Mebuki Financial Group reported its financial results for fiscal 2025, detailing performance across key banking operations, including loans, deposits, net interest income, securities, and fee income from corporate customers. The release also cover...
Mebuki Financial Group Delivers Profit Surge and Hikes Dividend as Outlook Strengthens
May 13, 2026
Mebuki Financial Group reported strong results for the fiscal year ended March 31, 2026, with consolidated ordinary income rising to ¥443.3 billion and net income attributable to owners of the parent climbing to ¥84.2 billion, both showi...
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.