Tokyo Kiraboshi Financial Group, Inc. (JP:7173)
:7173
Top Page
Tokyo Kiraboshi Financial Group, Inc.
(7173)
Select Model
Select Model
Rating:77Outperform
Price Target:
¥12,916.00
▲(48.46% Upside)
Action:ReiteratedDate:03/06/26
The score is driven primarily by strong financial performance (profitability and improving leverage) tempered by recent cash flow weakness. Valuation is favorable due to a low P/E with a modest dividend yield, and technicals are supportive with price above key moving averages, though momentum readings are mixed.
Positive Factors
Sustained revenue growth
The multi-year rise in total revenue indicates durable loan and fee expansion rather than a one-off spike. Sustained top-line growth supports internal capital generation, strengthens provisioning capacity for credit cycles, and underpins strategic reinvestment over the next 2–6 months.
Negative Factors
Negative operating cash flow / FCF
A material drop to negative operating cash flow weakens internal funding for loans, dividends and debt reduction. Persistent cash conversion weakness forces greater reliance on wholesale funding or asset sales, raising liquidity and funding-cost risk over the next several quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Sustained revenue growth
The multi-year rise in total revenue indicates durable loan and fee expansion rather than a one-off spike. Sustained top-line growth supports internal capital generation, strengthens provisioning capacity for credit cycles, and underpins strategic reinvestment over the next 2–6 months.
Read all positive factors
Tokyo Kiraboshi Financial Group, Inc. (7173) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥372.49B
Dividend Yield1.95%
Average Volume (3M)93.29K
Price to Earnings (P/E)7.8
Beta (1Y)1.14
Revenue Growth19.69%
EPS Growth50.61%
CountryJP
Employees2,105
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)279.02
Shares Outstanding30,650,116
10 Day Avg. Volume86,350
30 Day Avg. Volume93,286
Financial Highlights & Ratios
PEG Ratio0.36
Price to Book (P/B)0.68
Price to Sales (P/S)1.69
P/FCF Ratio-1.04
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)N/A
Revenue Forecast (FY)N/A
Tokyo Kiraboshi Financial Group, Inc. Business Overview & Revenue Model
Company Description
Tokyo Kiraboshi Financial Group, Inc. provides various banking products and services for small and medium-sized enterprise, and individual customers in Japan. The company provides loan guarantee, and home and consumer loans; and credit card, movab...
How the Company Makes Money
Tokyo Kiraboshi Financial Group generates revenue through multiple streams. Primarily, it earns interest income from loans provided to individuals and businesses, which constitutes a significant portion of its revenue model. Additionally, the comp...
Tokyo Kiraboshi Financial Group, Inc. Financial Statement Overview
Summary
Income Statement
85
Very Positive
Balance Sheet
78
Positive
Cash Flow
60
Neutral
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 140.12B | 149.94B | 121.52B | 117.34B | 98.60B | 83.16B |
| Gross Profit | 125.64B | 136.90B | 115.14B | 112.29B | 91.34B | 74.13B |
| EBITDA | 44.49B | 53.62B | 38.75B | 37.64B | 29.88B | 12.92B |
| Net Income | 30.62B | 31.36B | 25.65B | 21.15B | 18.18B | 4.16B |
Balance Sheet | ||||||
| Total Assets | 7.26T | 7.09T | 7.19T | 6.74T | 6.44T | 5.92T |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 980.84B | 1.16T | 936.27B | 844.42B | 753.97B |
| Total Debt | 160.41B | 208.03B | 1.55T | 979.10B | 1.65T | 1.08T |
| Total Liabilities | 6.88T | 6.72T | 6.83T | 6.42T | 6.12T | 5.61T |
| Stockholders Equity | 379.36B | 371.29B | 365.10B | 326.92B | 319.30B | 310.88B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | -243.83B | 0.00 | -47.19B | 60.27B | 225.11B |
| Operating Cash Flow | 0.00 | -237.38B | 0.00 | -38.14B | 67.48B | 232.54B |
| Investing Cash Flow | 0.00 | 65.87B | -63.31B | 132.41B | 24.45B | -15.34B |
| Financing Cash Flow | 0.00 | -5.51B | 262.49B | -3.32B | -2.30B | -2.00B |
Tokyo Kiraboshi Financial Group, Inc. Technical Analysis
Positive
8700.00
Price Trends
11017.20
Positive
9831.59
Positive
8299.84
Positive
Market Momentum
279.31
Negative
63.66
Neutral
81.97
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:7173, the sentiment is Positive. The current price of 8700 is below the 20-day moving average (MA) of 11205.38, below the 50-day MA of 11017.20, and above the 200-day MA of 8299.84, indicating a bullish trend. The MACD of 279.31 indicates Negative momentum. The RSI at 63.66 is Neutral, neither overbought nor oversold. The STOCH value of 81.97 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:7173.
Tokyo Kiraboshi Financial Group, Inc. Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | ¥372.49B | 7.80 | ― | 1.95% | 19.69% | 50.61% | |
75 Outperform | ¥1.51T | 12.46 | 7.38% | 2.62% | 15.86% | 24.81% | |
70 Outperform | ¥240.57B | 8.55 | ― | 3.00% | 10.56% | 16.02% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
64 Neutral | ¥1.76T | 12.21 | 7.83% | 2.54% | 19.38% | 29.95% | |
64 Neutral | ¥1.18T | 11.66 | ― | 2.00% | 18.45% | 41.89% | |
63 Neutral | ¥4.35T | 10.69 | 8.37% | 1.80% | 8.28% | 28.63% |
* Financial Sector Average
JP:7173
Tokyo Kiraboshi Financial Group, Inc.
12,280.00
7,468.05
155.20%
JP:8308
Resona Holdings
1,888.50
886.47
88.47%
JP:7186
Concordia Financial Group
1,544.50
772.75
100.13%
JP:8331
Chiba Bank
2,212.50
1,101.74
99.19%
JP:7167
Mebuki Financial Group, Inc.
1,353.50
758.66
127.54%
JP:8336
Musashino Bank, Ltd.
2,408.00
1,504.72
166.58%
Tokyo Kiraboshi Financial Group, Inc. Corporate Events
Tokyo Kiraboshi Revises Diluted EPS in Nine-Month 2023 Results
Mar 5, 2026
Tokyo Kiraboshi Financial Group has issued a correction to its consolidated financial report for the nine months ended December 31, 2023, originally released on January 31, 2024. The revision addresses errors in the disclosed figure for profit att...
Tokyo Kiraboshi Financial Group Revises Diluted Earnings Per Share Figures for FY2023
Mar 5, 2026
Tokyo Kiraboshi Financial Group has corrected previously disclosed figures for diluted profit attributable to owners of parent per share in its consolidated financial results for the fiscal year ended March 31, 2024. The revision lowers the report...
Tokyo Kiraboshi Revises Diluted EPS Figures for June 2024 Quarter
Mar 5, 2026
Tokyo Kiraboshi Financial Group has corrected previously disclosed figures in its consolidated financial results for the three months ended June 30, 2024, under Japanese GAAP. The revision addresses errors in the reported amount of profit attribut...
Tokyo Kiraboshi Financial Group Revises Diluted EPS for First Half of FY2024
Mar 5, 2026
Tokyo Kiraboshi Financial Group has announced corrections to its previously released consolidated financial results for the six months ended September 30, 2024. The revision concerns the figure for profit attributable to owners of parent per share...
Tokyo Kiraboshi Revises Diluted EPS Figures in Nine-Month Results
Mar 5, 2026
Tokyo Kiraboshi Financial Group has corrected previously reported figures in its consolidated financial results for the nine months ended December 31, 2024, prepared under Japanese GAAP. The revisions apply specifically to the metric of profit att...
Tokyo Kiraboshi Revises Diluted Earnings Per Share Figures for FY2025
Mar 5, 2026
Tokyo Kiraboshi Financial Group has corrected errors in its previously released consolidated financial results for the fiscal year ended March 31, 2025, under Japanese GAAP. The revisions specifically affect the figures for profit attributable to ...
Tokyo Kiraboshi Revises Diluted EPS Figures for June 2025 Quarter
Mar 5, 2026
Tokyo Kiraboshi Financial Group, Inc., a regional-focused Japanese financial holding company listed on the Tokyo Stock Exchange Prime Market, offers banking and related financial services to corporate and retail clients. The group plays a role in ...
Tokyo Kiraboshi Revises Diluted Earnings Per Share Figures for First Half FY2025
Mar 5, 2026
Tokyo Kiraboshi Financial Group has issued a correction to its consolidated financial results for the six months ended September 30, 2025, prepared under Japanese GAAP. The revision addresses misstatements in the previously disclosed figures for p...
Tokyo Kiraboshi Revises Diluted EPS Figures for Nine-Month Results
Mar 5, 2026
Tokyo Kiraboshi Financial Group has announced corrections to its consolidated financial results for the nine months ended December 31, 2025, under Japanese GAAP. The company disclosed that previously reported figures for profit attributable to own...
Tokyo Kiraboshi Financial Group Revises Diluted EPS in Multiple Past Filings
Mar 5, 2026
Tokyo Kiraboshi Financial Group has announced corrections to previously disclosed financial documents spanning fiscal periods from late 2023 through the nine months ended December 31, 2025. The revisions affect summary information in multiple cons...
Tokyo Kiraboshi Financial Group Lifts Profits and Confirms Outlook, Plans Higher Dividend
Jan 30, 2026
Tokyo Kiraboshi Financial Group reported solid growth for the nine months ended December 31, 2025, with ordinary income rising 13.2% year on year to ¥132.5 billion, ordinary profit climbing 30.4% to ¥39.8 billion, and profit attributable...
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.