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Mebuki Financial Group, Inc. (JP:7167)
:7167
Japanese Market

Mebuki Financial Group, Inc. (7167) AI Stock Analysis

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JP

Mebuki Financial Group, Inc.

(7167)

Rating:71Outperform
Price Target:
Mebuki Financial Group demonstrates solid financial performance with strong profit margins and operational efficiency. However, challenges in revenue growth and cash flow stability dampen its financial appeal. The stock's valuation is attractive, suggesting potential undervaluation, while technical indicators provide mixed signals. Overall, the stock is positioned well but with some areas to watch closely.

Mebuki Financial Group, Inc. (7167) vs. iShares MSCI Japan ETF (EWJ)

Mebuki Financial Group, Inc. Business Overview & Revenue Model

Company DescriptionMebuki 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 money transactions in the short-term markets; and invests in securities primarily comprising bonds, as well as money markets. In addition, the company offers leasing, securities, and credit card services; and international business support services that includes foreign currency exchange, international remittances, loans, and standby credit in local currencies, as well as information obtained from local partner banks and government agencies. As of March 31, 2020, the company operated 336 bank offices. Mebuki Financial Group, Inc. was founded in 1935 and is headquartered in Mito, Japan.
How the Company Makes MoneyMebuki Financial Group generates revenue primarily through its core banking operations, which include interest income from loans and advances, as well as fees from various banking services. The company offers a wide array of financial products such as mortgages, personal loans, and business loans, which contribute significantly to its interest income. Additionally, Mebuki earns non-interest income through fees and commissions from services like asset management, investment advising, leasing, and securities trading. The group's strategic focus on regional banking services allows it to maintain strong relationships with local businesses and individuals, further driving revenue. Mebuki Financial Group also benefits from synergies and cost efficiencies resulting from its merger, enhancing overall profitability.

Mebuki Financial Group, Inc. Financial Statement Overview

Summary
Mebuki Financial Group exhibits strong profit margins and efficient operations but faces challenges with revenue growth and cash flow consistency. The balance sheet is stable, though reliant on liabilities. Overall, the financial health is positive, with areas for improvement in cash flow management.
Income Statement
76
Positive
The company's gross profit margin and net profit margin are strong, with notable profitability. However, revenue growth is inconsistent, with a decrease in the most recent TTM period compared to the previous year. EBIT and EBITDA margins indicate solid operational efficiency.
Balance Sheet
72
Positive
The debt-to-equity ratio is relatively moderate, suggesting manageable leverage. ROE is healthy, showcasing effective use of equity. However, the equity ratio is somewhat low, indicating higher reliance on liabilities for asset financing.
Cash Flow
60
Neutral
Free cash flow figures indicate variability, with recent periods showing negative free cash flow. The operating cash flow to net income ratio is inconsistent, highlighting challenges in cash generation relative to net income.
Breakdown
TTMMar 2024Mar 2023Mar 2022Mar 2021Mar 2020
Income StatementTotal Revenue
276.04B251.62B292.98B250.44B254.57B251.57B
Gross Profit
277.71B251.62B292.98B250.44B254.57B251.57B
EBIT
143.43B64.59B46.39B64.57B53.76B52.69B
EBITDA
33.22B0.000.000.000.000.00
Net Income Common Stockholders
60.11B43.37B32.18B42.96B36.48B36.37B
Balance SheetCash, Cash Equivalents and Short-Term Investments
3.80T4.44T4.82T7.27T6.43T1.94T
Total Assets
21.76T21.79T21.39T24.13T22.84T17.80T
Total Debt
1.92T2.77T2.56T4.84T4.35T1.37T
Net Debt
-1.88T-4.44T-2.26T-2.43T-2.08T-565.21B
Total Liabilities
20.79T20.80T20.48T23.17T21.84T16.92T
Stockholders Equity
975.25B989.37B904.75B959.06B998.90B882.23B
Cash FlowFree Cash Flow
0.00-35.91B-3.37T1.23T4.65T348.22B
Operating Cash Flow
0.00-25.96B-3.37T1.23T4.66T356.10B
Investing Cash Flow
0.00-325.34B922.43B-358.51B-112.39B176.09B
Financing Cash Flow
0.00-31.95B-16.67B-31.85B-42.60B-50.15B

Mebuki Financial Group, Inc. Technical Analysis

Technical Analysis Sentiment
Positive
Last Price721.50
Price Trends
50DMA
682.59
Positive
100DMA
666.92
Positive
200DMA
630.70
Positive
Market Momentum
MACD
12.06
Positive
RSI
53.37
Neutral
STOCH
64.73
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 721.5 is above the 20-day moving average (MA) of 714.43, above the 50-day MA of 682.59, and above the 200-day MA of 630.70, indicating a neutral trend. The MACD of 12.06 indicates Positive momentum. The RSI at 53.37 is Neutral, neither overbought nor oversold. The STOCH value of 64.73 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

Overall Rating
UnderperformOutperform
Sector (64)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
73
Outperform
¥926.10B12.446.30%2.93%9.28%20.48%
71
Outperform
¥648.84B12.24
2.24%2.02%92.64%
70
Outperform
¥763.14B10.427.30%3.17%15.35%-1.62%
64
Neutral
$12.87B9.817.76%16985.65%12.28%-7.83%
60
Neutral
$1.05T12.886.37%2.99%8.79%19.19%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
JP:7167
Mebuki Financial Group, Inc.
714.30
129.10
22.06%
JP:7186
Concordia Financial Group
922.60
43.44
4.94%
JP:8354
Fukuoka Financial Group
3,975.00
-204.01
-4.88%
JP:8331
Chiba Bank
1,296.00
-77.07
-5.61%

Mebuki Financial Group, Inc. Corporate Events

Mebuki Financial Group Announces Successful Share Repurchase
Apr 8, 2025

Mebuki Financial Group, Inc. has successfully completed the acquisition of 23,448,400 of its own shares through off-auction trading on the Tokyo Stock Exchange, with the aim of enhancing shareholder return and improving capital efficiency. This move is part of a broader strategy to repurchase up to 45 million shares by June 20, 2025, reflecting the company’s commitment to optimizing its capital structure and providing value to its stakeholders.

Mebuki Financial Group Announces Share Repurchase Plan
Apr 7, 2025

Mebuki Financial Group, Inc. has announced its decision to repurchase up to 25 million of its own shares through the Tokyo Stock Exchange’s ToSTNeT-3 system at a set price of 526.9 yen per share. This strategic move, with a total acquisition cost capped at 13.17 billion yen, is part of a broader plan to acquire up to 45 million shares by June 20, 2025, potentially impacting the company’s market positioning and shareholder value.

Mebuki Financial Group Announces Share Buyback Plan
Apr 7, 2025

Mebuki Financial Group, Inc. announced its decision to acquire up to 45 million of its own shares, representing 4.57% of the total shares issued, excluding treasury stock. This move, aimed at enhancing shareholder returns and improving capital efficiency, will involve a total acquisition cost of up to 23 billion yen, with purchases occurring on the Tokyo Stock Exchange from April 8 to June 20, 2025.

Mebuki Financial Group Revises Shareholder Return Policy
Mar 17, 2025

Mebuki Financial Group, Inc. has announced a revision to its shareholder return policy, aiming for a stable and sustainable increase in dividends per share through profit growth. The company targets a dividend payout ratio of 40% or more by fiscal year 2027, with dynamic management of share acquisitions based on market trends and strategic capital use.

Mebuki Financial Group Unveils Fourth Medium-Term Business Plan for 2025-2027
Mar 17, 2025

Mebuki Financial Group, Inc. has announced its ‘Fourth Medium-Term Group Business Plan’ for 2025-2027, aiming to accelerate sustainable growth and enhance corporate value by integrating social and economic value creation. The plan focuses on addressing social issues, improving capital profitability, and strengthening the management base, with targets including a consolidated ROE of 9% and net income of 90 billion yen by fiscal year 2027.

Mebuki Financial Group Announces Officer Changes and New Business System
Mar 17, 2025

Mebuki Financial Group, Inc. announced planned changes to its officers and a new business execution system, effective April 1, 2025, and June 2025, respectively. These changes involve new appointments and retirements within the company’s board and its six subsidiaries, aiming to enhance operational efficiency and strategic direction.

Mebuki Financial Group Reports Q3 FY2024 Capital Adequacy
Feb 12, 2025

Mebuki Financial Group, Inc. reported its capital adequacy ratio for the third quarter of FY2024. The group showed a slight decrease in capital adequacy ratio from the previous quarter, with detailed figures provided for its subsidiaries, The Joyo Bank, Ltd. and The Ashikaga Bank, Ltd. The announcement highlights the group’s approach to risk management and capital allocation, which is crucial for maintaining financial stability and investor confidence.

Mebuki Financial Group Reports Decline in Nine-Month Income
Feb 7, 2025

Mebuki Financial Group, Inc. reported a significant decline in comprehensive income for the nine months ending December 31, 2024, compared to the same period in 2023. Despite this decline, the company’s consolidated financial position remained relatively stable with minor changes in equity. The financial results indicate challenges in maintaining income levels, although the company’s asset base and equity position continue to reflect a stable financial posture.

Glossary
OutperformA stock rated as "Outperform" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock is likely to deliver higher returns compared to the average returns of other stocks in the same sector or market index. Investors might consider this stock a good buying opportunity.
NeutralA stock rated as "Neutral" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly attractive nor unattractive for investment. Investors may consider holding onto the stock, as it is not expected to either significantly outperform or underperform the market.
UnderperformA stock rated as "Underperform" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock may deliver lower returns compared to the average returns of other stocks in the same sector or market index. Investors might consider selling the stock or avoiding it as an investment.

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.