Mebuki Financial Group, Inc. (JP:7167)
:7167
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Mebuki Financial Group, Inc.
(7167)
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Rating:64Neutral
Price Target:
¥1,236.00
▲(19.08% Upside)
Action:ReiteratedDate:02/13/26
The score is primarily driven by solid financial performance (revenue growth and improved cash flow), tempered by balance-sheet leverage and only moderate profitability. Technicals are supportive but look overbought, and valuation provides limited additional support.
Positive Factors
Revenue Growth
Sustained revenue growth near 25% indicates expanding core banking activity and product uptake in its regions. Over 2-6 months this supports higher scale, more fee opportunities and greater retained earnings to fund branch services, tech investment, and credit capacity.
Negative Factors
Elevated Leverage Level
Despite improvement, elevated leverage leaves the group exposed to macro shocks and interest-rate swings. High debt-to-equity magnifies capital strain during credit stress, can limit lending flexibility and raises the probability of needing external capital in adverse scenarios over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth
Sustained revenue growth near 25% indicates expanding core banking activity and product uptake in its regions. Over 2-6 months this supports higher scale, more fee opportunities and greater retained earnings to fund branch services, tech investment, and credit capacity.
Read all positive factors
Mebuki Financial Group, Inc. (7167) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥1.08T
Dividend Yield2%
Average Volume (3M)2.72M
Price to Earnings (P/E)11.7
Beta (1Y)1.23
Revenue Growth18.45%
EPS Growth41.89%
CountryJP
Employees5,855
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)22.20
Shares Outstanding947,055,240
10 Day Avg. Volume2,879,460
30 Day Avg. Volume2,724,843
Financial Highlights & Ratios
PEG Ratio0.31
Price to Book (P/B)0.75
Price to Sales (P/S)2.28
P/FCF Ratio0.00
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)79.93
Revenue Forecast (FY)¥213.40B
Mebuki Financial Group, Inc. Business Overview & Revenue Model
Company Description
Mebuki Financial Group, Inc. provides banking and financial services in Japan and internationally. The company accepts various deposits; and provides funds to corporate customers and individuals, including housing loans. It also engages in call mo...
How the Company Makes Money
Mebuki Financial Group primarily earns money through the banking activities of its consolidated subsidiaries. Key revenue streams typically include: (1) Net interest income: interest earned on loans (e.g., corporate, SME, housing, and other consum...
Mebuki Financial Group, Inc. Financial Statement Overview
Summary
Income Statement
75
Positive
Balance Sheet
60
Neutral
Cash Flow
65
Positive
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 332.54B | 316.78B | 270.93B | 290.30B | 217.85B | 215.85B |
| Gross Profit | 258.41B | 248.26B | 224.16B | 258.42B | 194.32B | 187.90B |
| EBITDA | 87.35B | 91.14B | 71.14B | 55.07B | 70.28B | 61.74B |
| Net Income | 62.10B | 58.23B | 43.37B | 32.18B | 42.96B | 36.48B |
Balance Sheet | ||||||
| Total Assets | 21.72T | 21.41T | 21.79T | 21.39T | 24.13T | 22.84T |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 3.23T | 4.44T | 4.82T | 7.27T | 6.43T |
| Total Debt | 2.42T | 2.27T | 2.77T | 2.56T | 10.23T | 8.92T |
| Total Liabilities | 20.75T | 20.44T | 20.80T | 20.48T | 23.17T | 21.84T |
| Stockholders Equity | 972.28B | 965.98B | 989.37B | 904.75B | 959.06B | 998.90B |
Cash Flow | ||||||
| Free Cash Flow | 78.72B | 0.00 | -31.72B | -3.37T | 1.23T | 4.65T |
| Operating Cash Flow | 83.09B | 0.00 | -25.96B | -3.37T | -6.86B | 4.66T |
| Investing Cash Flow | -195.56B | -195.56B | -325.34B | 922.43B | -358.51B | -112.39B |
| Financing Cash Flow | -32.97B | -413.36B | -31.95B | -16.67B | 589.54B | -42.60B |
Mebuki Financial Group, Inc. Technical Analysis
Positive
1038.00
Price Trends
1222.91
Negative
1122.01
Positive
983.23
Positive
Market Momentum
-14.90
Positive
48.03
Neutral
43.50
Neutral
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 1224.50, below the 50-day MA of 1222.91, and above the 200-day MA of 983.23, indicating a neutral trend. The MACD of -14.90 indicates Positive momentum. The RSI at 48.03 is Neutral, neither overbought nor oversold. The STOCH value of 43.50 is Neutral, 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 (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
75 Outperform | ¥1.29T | 19.77 | ― | 2.04% | 18.13% | 27.43% | |
70 Outperform | ¥954.91B | 10.74 | 6.30% | 2.87% | 14.57% | 100.81% | |
69 Neutral | ¥821.33B | 9.65 | 8.19% | 3.14% | 15.77% | 27.55% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | ¥912.71B | 8.76 | ― | 2.10% | 1.39% | 52.58% | |
66 Neutral | ¥1.20T | 8.94 | 8.24% | 3.06% | 12.77% | 9.22% | |
64 Neutral | ¥1.08T | 11.66 | ― | 2.00% | 18.45% | 41.89% |
* Financial Sector Average
JP:7167
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Mebuki Financial Group, Inc. Corporate Events
Mebuki Financial Group Overhauls Management and Governance Structure Across Group
Mar 16, 2026
Mebuki Financial Group has announced planned changes to its board of directors, including the appointment of two new Audit and Supervisory Committee members, Yasuhiko Sugita and Mari Fujino, and the retirement of two current committee directors. T...
Mebuki Financial Group Raises FY2025 Profit Outlook and Dividend Payout
Feb 24, 2026
Mebuki Financial Group has upgraded its consolidated earnings forecast for the fiscal year ending March 31, 2026, citing stronger-than-expected net interest income from loans and securities. Ordinary profit is now projected at ¥113.0 billion ...
Mebuki Financial Group Strengthens Capital Adequacy in Third Quarter FY2025
Feb 6, 2026
Mebuki Financial Group reported an improvement in its consolidated capital adequacy ratio to 12.66% as of December 31, 2025, up from 12.37% at the end of the previous quarter, reflecting an increase in basic core capital and a reduction in total r...
Mebuki Financial Group Releases Third-Quarter FY2025 Financial Results Overview
Feb 6, 2026
Mebuki Financial Group has released its financial results for the third quarter of fiscal 2025, outlining performance across its core banking businesses, including loans, deposits, net interest income and fee income from corporate customers. The m...
Mebuki Financial Group Posts Strong Nine-Month Earnings and Confirms Full-Year Outlook
Feb 6, 2026
For the nine months ended December 31, 2025, Mebuki Financial Group reported strong consolidated results, with ordinary income rising to ¥326.9 billion and net income attributable to owners of the parent climbing to ¥64.7 billion, reflec...
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.