Mebuki Financial Group, Inc. (JP:7167)
:7167
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Mebuki Financial Group, Inc.
(7167)
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Rating:68Neutral
Price Target:
¥1,496.00
▲(44.12% 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
Improving profitability
Sustained revenue growth and margin expansion increase durable earnings power: higher net income and a ~21% net margin boost retained earnings and internal capital. This strengthens the bank's ability to fund lending, absorb credit stress, and support dividends or strategic investments over the medium term.
Negative Factors
Inconsistent historical cash flow
Volatile cash flows across recent years create uncertainty in funding and capital planning: negative OCF in 2023–24 and zeroes in 2025 show cash generation can reverse quickly, complicating reliable dividend, lending, and investment policies and raising cyclic sensitivity risks.
Read all positive and negative factors
Positive Factors
Negative Factors
Improving profitability
Sustained revenue growth and margin expansion increase durable earnings power: higher net income and a ~21% net margin boost retained earnings and internal capital. This strengthens the bank's ability to fund lending, absorb credit stress, and support dividends or strategic investments over the medium term.
Read all positive factors
Mebuki Financial Group, Inc. (7167) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥1.21T
Dividend Yield2%
Average Volume (3M)2.72M
Price to Earnings (P/E)13.4
Beta (1Y)1.27
Revenue Growth26.77%
EPS Growth52.41%
CountryJP
Employees5,855
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)63.36
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)105.01
Revenue Forecast (FY)¥249.80B
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
74
Positive
Balance Sheet
62
Positive
Cash Flow
45
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 332.54B | 399.64B | 316.78B | 270.93B | 290.30B | 217.85B |
| Gross Profit | 258.41B | 308.21B | 248.26B | 224.16B | 258.42B | 194.32B |
| EBITDA | 87.35B | 126.53B | 91.14B | 71.14B | 55.07B | 70.28B |
| Net Income | 62.10B | 84.16B | 58.23B | 43.37B | 32.18B | 42.96B |
Balance Sheet | ||||||
| Total Assets | 21.72T | 21.17T | 21.41T | 21.79T | 21.39T | 24.13T |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 2.46T | 3.23T | 4.44T | 4.82T | 7.27T |
| Total Debt | 2.42T | 1.60T | 2.27T | 2.77T | 2.56T | 10.23T |
| Total Liabilities | 20.75T | 20.10T | 20.44T | 20.80T | 20.48T | 23.17T |
| Stockholders Equity | 972.28B | 1.08T | 965.98B | 989.37B | 904.75B | 959.06B |
Cash Flow | ||||||
| Free Cash Flow | 78.72B | 184.42B | 0.00 | -31.72B | -3.37T | 1.23T |
| Operating Cash Flow | 83.09B | 197.93B | 0.00 | -25.96B | -3.37T | -6.86B |
| Investing Cash Flow | -195.56B | -445.69B | -195.56B | -325.34B | 922.43B | -358.51B |
| Financing Cash Flow | -32.97B | -532.35B | -413.36B | -31.95B | -16.67B | 589.54B |
Mebuki Financial Group, Inc. Technical Analysis
Positive
1038.00
Price Trends
1287.97
Positive
1229.27
Positive
1073.60
Positive
Market Momentum
29.58
Negative
60.46
Neutral
66.16
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 1331.75, below the 50-day MA of 1287.97, and below the 200-day MA of 1073.60, indicating a bullish trend. The MACD of 29.58 indicates Negative momentum. The RSI at 60.46 is Neutral, neither overbought nor oversold. The STOCH value of 66.16 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 |
|---|---|---|---|---|---|---|---|
76 Outperform | ¥1.07T | 13.65 | 6.30% | 2.87% | 21.54% | 39.13% | |
69 Neutral | ¥1.34T | 11.98 | ― | 2.04% | 18.06% | 170.83% | |
68 Neutral | ¥1.21T | 13.40 | ― | 2.00% | 26.77% | 52.41% | |
68 Neutral | ¥1.29T | 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 | ¥945.43B | 11.15 | ― | 2.10% | 8.96% | 42.70% | |
66 Neutral | ¥877.28B | 13.32 | 8.19% | 3.14% | 22.63% | 36.09% |
* Financial Sector Average
JP:7167
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Mebuki Financial Group, Inc. Corporate Events
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...
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 ...
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.