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Mebuki Financial Group, Inc.
(7167)
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Rating:68Neutral
Price Target:
¥1,661.00
▲(60.02% 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 growth and a meaningful net margin expansion indicate stronger core banking profit generation. Over months this improves internal capital generation, supports reinvestment in lending and services, and enhances ability to sustain dividends and absorb shocks if the trend persists.
Negative Factors
Elevated reliance on debt
Continued meaningful reliance on debt funding keeps the bank exposed to interest-rate and market liquidity stress. In a prolonged downturn higher leverage amplifies losses and may necessitate rapid capital measures, limiting long-term strategic maneuverability despite recent improvements.
Read all positive and negative factors
Positive Factors
Negative Factors
Profitability improvement
Sustained revenue growth and a meaningful net margin expansion indicate stronger core banking profit generation. Over months this improves internal capital generation, supports reinvestment in lending and services, and enhances ability to sustain dividends and absorb shocks if the trend persists.
Read all positive factors
Mebuki Financial Group, Inc. (7167) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥1.30T
Dividend Yield1.87%
Average Volume (3M)2.72M
Price to Earnings (P/E)16.8
Beta (1Y)1.29
Revenue Growth26.77%
EPS Growth52.39%
CountryJP
Employees5,880
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)112.33
Revenue Forecast (FY)¥261.35B
Mebuki Financial Group, Inc. Business Overview & Revenue Model
Company Description
Mebuki Financial Group, Inc. (7167) is a Japan-based bank holding company that provides financial services through its group companies, centered on banking operations in Japan. The group’s core offerings include deposit-taking, lending to individu...
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. Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
76 Outperform | ¥1.15T | 15.90 | 6.08% | 1.80% | 19.96% | 40.57% | |
69 Neutral | ¥1.30T | 12.15 | ― | 2.04% | 18.82% | 226.00% | |
68 Neutral | ¥1.30T | 16.81 | ― | 2.00% | 26.77% | 52.39% | |
68 Neutral | ¥1.41T | 16.28 | 8.30% | 2.38% | 22.25% | 18.46% | |
67 Neutral | ¥1.10T | 14.32 | ― | 2.10% | 8.96% | 42.62% | |
66 Neutral | ¥966.15B | 16.36 | 9.80% | 2.33% | 22.63% | 36.09% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
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Mebuki Financial Group, Inc. Corporate Events
Mebuki Financial Group Lifts Capital Adequacy Across Banking Subsidiaries
Aug 5, 2026
Mebuki Financial Group, Inc. is a Japanese regional financial holding company listed on the Tokyo Stock Exchange Prime Market, overseeing The Joyo Bank and The Ashikaga Bank. The group operates in commercial banking, providing lending, deposit, an...
Mebuki Financial Group Lifts FY2026 Earnings Outlook on Higher Interest Income
Aug 5, 2026
Mebuki Financial Group has raised its consolidated earnings forecast for the fiscal year ending March 31, 2027, reflecting stronger-than-expected profitability in the first half and full year. Ordinary profit for FY2026 is now projected at ¥1...
Mebuki Financial Group Reports First-Quarter FY2026 Financial Results
Aug 5, 2026
Mebuki Financial Group has released its financial results for the first quarter of fiscal 2026, detailing performance across key banking operations such as loans, deposits, net interest income, and fee income from corporate clients. The disclosure...
Mebuki Financial Group Lifts FY2026 Outlook and Dividends on Strong First-Quarter Results
Aug 5, 2026
Mebuki Financial Group reported solid consolidated results for the three months ended June 30, 2026, with comprehensive income rising to ¥52.7 billion and equity increasing to ¥1.11 trillion, keeping its equity-to-asset ratio at 21.1%. T...
Mebuki Financial Group Completes Restricted Stock Treasury Share Disposal
Jul 23, 2026
Mebuki Financial Group has completed the payment procedures for the disposal of 244,563 treasury shares as part of its restricted stock compensation program, following a June 24 board resolution. The shares, priced at 1,411 yen each for a total of...
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.