Tokyo Kiraboshi Financial Group, Inc. (JP:7173)
:7173
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Tokyo Kiraboshi Financial Group, Inc.
(7173)
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Rating:64Neutral
Price Target:
¥10,935.00
▲(25.69% Upside)
Action:Reiterated
Date:05/12/26
The score is driven primarily by solid profitability and growth trends but meaningfully reduced by unstable cash-flow generation and only moderate balance-sheet strength. Valuation is supportive due to a low P/E, while technicals are weaker with the stock trading below major moving averages.
Positive Factors
Revenue & Net Income Growth
Sustained revenue and net income expansion through 2026 indicates durable demand for the bank's lending and fee services in the Tokyo metro market. This top-line momentum supports reinvestment in distribution and product capabilities and strengthens medium-term earnings power.
Negative Factors
Volatile Cash Generation
Highly inconsistent operating and free cash flow undermines predictability of internal funding for loan growth, capital returns, or reserves. This volatility increases the chance the bank must rely on external funding or asset sales during weaker cash years, pressuring strategic flexibility.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue & Net Income Growth
Sustained revenue and net income expansion through 2026 indicates durable demand for the bank's lending and fee services in the Tokyo metro market. This top-line momentum supports reinvestment in distribution and product capabilities and strengthens medium-term earnings power.
Read all positive factors
Tokyo Kiraboshi Financial Group, Inc. (7173) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥321.83B
Dividend Yield1.95%
Average Volume (3M)93.29K
Price to Earnings (P/E)7.9
Beta (1Y)1.14
Revenue Growth17.98%
EPS Growth32.53%
CountryJP
Employees2,105
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)908.81
Shares Outstanding30,650,114
10 Day Avg. Volume86,350
30 Day Avg. Volume93,286
Financial Highlights & Ratios
PEG Ratio0.23
Price to Book (P/B)0.79
Price to Sales (P/S)1.87
P/FCF Ratio47.32
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
The group earns money primarily through its banking subsidiaries. Its core revenue stream is interest income: it collects interest on loans and other interest-earning assets and pays interest on deposits and other funding, with the net spread (net...
Tokyo Kiraboshi Financial Group, Inc. Financial Statement Overview
Summary
Income Statement
84
Very Positive
Balance Sheet
62
Positive
Cash Flow
35
Negative
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 140.12B | 177.85B | 149.94B | 121.52B | 117.34B | 98.60B |
| Gross Profit | 125.64B | 147.54B | 136.90B | 115.14B | 112.29B | 91.34B |
| EBITDA | 44.49B | 68.81B | 53.62B | 38.75B | 37.64B | 29.88B |
| Net Income | 30.62B | 42.36B | 31.36B | 25.65B | 21.15B | 18.18B |
Balance Sheet | ||||||
| Total Assets | 7.26T | 7.32T | 7.09T | 7.19T | 6.74T | 6.44T |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 832.46B | 980.84B | 1.16T | 936.27B | 844.42B |
| Total Debt | 160.41B | 199.52B | 208.03B | 1.55T | 979.10B | 1.65T |
| Total Liabilities | 6.88T | 6.89T | 6.72T | 6.83T | 6.42T | 6.12T |
| Stockholders Equity | 379.36B | 423.38B | 371.29B | 365.10B | 326.92B | 319.30B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 7.04B | -243.83B | 0.00 | -47.19B | 60.27B |
| Operating Cash Flow | 0.00 | 12.27B | -237.38B | 0.00 | -38.14B | 67.48B |
| Investing Cash Flow | 0.00 | -298.32B | 65.87B | -63.31B | 132.41B | 24.45B |
| Financing Cash Flow | 0.00 | 133.09B | -5.51B | 262.49B | -3.32B | -2.30B |
Tokyo Kiraboshi Financial Group, Inc. Technical Analysis
Positive
8700.00
Price Trends
11279.20
Negative
10653.33
Positive
8968.48
Positive
Market Momentum
-233.97
Positive
50.46
Neutral
50.62
Neutral
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 11102.50, below the 50-day MA of 11279.20, and below the 200-day MA of 8968.48, indicating a neutral trend. The MACD of -233.97 indicates Positive momentum. The RSI at 50.46 is Neutral, neither overbought nor oversold. The STOCH value of 50.62 is Neutral, 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 |
|---|---|---|---|---|---|---|---|
72 Outperform | ¥247.46B | 13.40 | ― | 3.00% | 21.20% | 17.32% | |
70 Outperform | ¥1.61T | 13.80 | 7.38% | 2.62% | 22.66% | 28.39% | |
69 Neutral | ¥4.67T | 15.13 | 8.37% | 1.80% | 16.13% | 23.10% | |
69 Neutral | ¥1.89T | 14.61 | 7.83% | 2.54% | 23.44% | 31.25% | |
68 Neutral | ¥1.20T | 13.40 | ― | 2.00% | 26.77% | 52.41% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
64 Neutral | ¥321.83B | 7.87 | ― | 1.95% | 17.98% | 32.53% |
* Financial Sector Average
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Tokyo Kiraboshi Financial Group, Inc. Corporate Events
Tokyo Kiraboshi boosts FY2026 profit and dividend ahead of share split, profits seen easing in FY2027
May 8, 2026
Tokyo Kiraboshi Financial Group reported strong results for the fiscal year ended March 31, 2026, with ordinary income rising 23.8% to ¥199.3 billion and ordinary profit jumping 45.1% to ¥60.5 billion. Profit attributable to owners of th...
Tokyo Kiraboshi Financial Group to Record ¥42.9 Billion Dividend from Bank Unit
May 8, 2026
Tokyo Kiraboshi Financial Group, Inc. will receive a dividend of ¥42,959 million from its consolidated subsidiary Kiraboshi Bank, Ltd., with payment scheduled for May 20, 2026. The transaction is significant enough to require disclosure under...
Tokyo Kiraboshi to streamline capital structure with preferred share overhaul
May 8, 2026
Tokyo Kiraboshi Financial Group plans to amend its Articles of Incorporation following a Board decision to bring the proposal to the 12th Annual General Meeting of Shareholders on June 24, 2026. The move centers on simplifying its capital structur...
Tokyo Kiraboshi Plans Eight-for-One Stock Split and Capital Structure Simplification
May 8, 2026
Tokyo Kiraboshi Financial Group’s board has approved an eight-for-one split of its common shares, aimed at lowering the price per investment unit, improving stock liquidity and broadening its investor base. The split will increase issued sha...
Tokyo Kiraboshi to Redeem and Cancel All Class II Preferred Shares Early
May 8, 2026
Tokyo Kiraboshi Financial Group has resolved to acquire and cancel all of its Class II preferred shares, ahead of the schedule outlined in its medium-term business plan. The move reflects confidence in its solid business performance and expectatio...
Tokyo Kiraboshi to Scrap All Preferred Shares and Launch Major Secondary Offering
May 8, 2026
Tokyo Kiraboshi Financial Group will convert all of its First Series Class I preferred shares, held entirely by Sumitomo Mitsui Trust Bank, into a total of 5,498,532 common shares in two stages, and subsequently cancel all 750,000 preferred shares...
Tokyo Kiraboshi Weighs Capital Policy Options Amid Reports on Preferred Share Redemption
May 7, 2026
Tokyo Kiraboshi Financial Group has addressed recent media reports regarding the potential redemption of preferred shares held by the Tokyo Metropolitan Government, stating that the information did not originate from the company. The group confirm...
Tokyo Kiraboshi Financial Group to Appoint Takeshi Yoshino as New Representative Director
Mar 25, 2026
Tokyo Kiraboshi Financial Group has announced a leadership change, appointing Director and Managing Executive Officer Takeshi Yoshino as Representative Director and Senior Managing Executive Officer, effective in late June 2026 following the 12th ...
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...
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.