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Tokyo Kiraboshi Financial Group, Inc. (JP:7173)
:7173
Japanese Market

Tokyo Kiraboshi Financial Group, Inc. (7173) AI Stock Analysis

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JP:7173

Tokyo Kiraboshi Financial Group, Inc.

(7173)

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Outperform 77 (OpenAI - 5.2)
Rating:77Outperform
Price Target:
Â¥12,916.00
â–²(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.
Robust margins and ROE
High gross, EBIT and net margins plus strong ROE reflect efficient operations and effective capital use. Margin resilience helps absorb NIM pressure and credit cost volatility, supports retained earnings accumulation, and sustains dividend and lending capacity over the medium term.
Improving leverage and equity base
A strong equity ratio and falling debt-to-equity reduce financial risk and enhance regulatory capital headroom. Improving leverage increases flexibility to expand lending, withstand credit stress, and pursue strategic opportunities without immediate reliance on costly external capital.
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.
Significant absolute debt levels
Even with improving D/E, high absolute debt amplifies sensitivity to rising funding costs and compresses interest margin flexibility. Elevated leverage can limit management choices during stress, forcing higher provisioning or curbing balance-sheet growth if profitability softens.
Geographic and customer concentration
Concentration in the Tokyo metro area and an SME-heavy client mix increases exposure to localized economic cycles and sector-specific shocks. Limited geographic diversification can magnify credit and revenue volatility, constraining resilience to regional downturns over time.

Tokyo Kiraboshi Financial Group, Inc. (7173) vs. iShares MSCI Japan ETF (EWJ)

Tokyo Kiraboshi Financial Group, Inc. Business Overview & Revenue Model

Company DescriptionTokyo 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, movable property leasing, business succession, and merger and acquisition services. It also engages in the investment management and securities businesses; investment trust management business; collection agency business; consulting business; management, cleaning, and maintenance of buildings and various accessory facilities; procurement and management of advertising supplies and office equipment; and in-bank flights, remittances, and centralized office works. In addition, the company is involved in the development and provision of computer systems; provision of various management consultations, seminars, etc.; and development and provision of services utilizing fintech and construction of new businesses, etc. The company was founded in 1924 and is headquartered in Tokyo, Japan.
How the Company Makes MoneyTokyo 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 company generates fee income from a variety of services including asset management fees, transaction fees, and advisory service fees. The group also engages in investment activities, earning returns from its own investment portfolio. Significant partnerships with other financial institutions and corporations enhance its service offerings and contribute to its revenue through joint ventures and collaborations in investment banking and wealth management.

Tokyo Kiraboshi Financial Group, Inc. Financial Statement Overview

Summary
Strong revenue growth and profitability with robust EBIT/EBITDA margins and solid ROE, supported by a stable equity base and improving leverage. The main drag is cash flow quality, with negative free cash flow in 2025 driven by negative operating cash flow.
Income Statement
85
Very Positive
The company shows strong revenue and profit growth over the years, with a steady increase in Total Revenue from 2020 to 2025 and high Gross and Net Profit Margins for the latest year. The EBIT and EBITDA margins are robust, indicating effective cost management and operational efficiency. However, the decline in EBITDA compared to the EBIT in 2025 suggests potential areas for cost optimization.
Balance Sheet
78
Positive
The balance sheet indicates a solid equity base and a strong equity ratio, suggesting financial stability. However, there is a significant amount of debt, although the Debt-to-Equity ratio is declining over the years, which is a positive trend. The Return on Equity (ROE) is strong, reflecting efficient use of shareholders' funds to generate profits.
Cash Flow
60
Neutral
The cash flow statements reveal fluctuations with a negative Free Cash Flow in 2025, primarily due to substantial negative Operating Cash Flow. However, the company has shown positive Free Cash Flow in previous years, indicating past ability to generate cash. The Operating Cash Flow to Net Income ratio is concerning for the latest year, suggesting potential cash flow management issues.
BreakdownTTMMar 2025Mar 2024Mar 2023Mar 2022Mar 2021
Income Statement
Total Revenue140.12B149.94B121.52B117.34B98.60B83.16B
Gross Profit125.64B136.90B115.14B112.29B91.34B74.13B
EBITDA44.49B53.62B38.75B37.64B29.88B12.92B
Net Income30.62B31.36B25.65B21.15B18.18B4.16B
Balance Sheet
Total Assets7.26T7.09T7.19T6.74T6.44T5.92T
Cash, Cash Equivalents and Short-Term Investments0.00980.84B1.16T936.27B844.42B753.97B
Total Debt160.41B208.03B1.55T979.10B1.65T1.08T
Total Liabilities6.88T6.72T6.83T6.42T6.12T5.61T
Stockholders Equity379.36B371.29B365.10B326.92B319.30B310.88B
Cash Flow
Free Cash Flow0.00-243.83B0.00-47.19B60.27B225.11B
Operating Cash Flow0.00-237.38B0.00-38.14B67.48B232.54B
Investing Cash Flow0.0065.87B-63.31B132.41B24.45B-15.34B
Financing Cash Flow0.00-5.51B262.49B-3.32B-2.30B-2.00B

Tokyo Kiraboshi Financial Group, Inc. Technical Analysis

Technical Analysis Sentiment
Positive
Last Price8700.00
Price Trends
50DMA
10683.20
Positive
100DMA
9475.90
Positive
200DMA
8068.29
Positive
Market Momentum
MACD
86.34
Positive
RSI
51.24
Neutral
STOCH
61.82
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 11155.50, below the 50-day MA of 10683.20, and above the 200-day MA of 8068.29, indicating a neutral trend. The MACD of 86.34 indicates Positive momentum. The RSI at 51.24 is Neutral, neither overbought nor oversold. The STOCH value of 61.82 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

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
77
Outperform
¥336.39B7.80―1.95%19.69%50.61%
75
Outperform
Â¥1.37T12.467.38%2.62%15.86%24.81%
70
Outperform
¥207.50B8.55―3.00%10.56%16.02%
68
Neutral
$18.00B11.429.92%3.81%9.73%1.22%
64
Neutral
Â¥1.58T12.217.83%2.54%19.38%29.95%
64
Neutral
¥1.04T11.66―2.00%18.45%41.89%
63
Neutral
Â¥4.07T10.698.37%1.80%8.28%28.63%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
JP:7173
Tokyo Kiraboshi Financial Group, Inc.
11,090.00
5,231.64
89.30%
JP:8308
Resona Holdings
1,767.50
374.29
26.87%
JP:7186
Concordia Financial Group
1,385.00
392.27
39.51%
JP:8331
Chiba Bank
2,003.50
562.88
39.07%
JP:7167
Mebuki Financial Group, Inc.
1,198.50
470.10
64.54%
JP:8336
Musashino Bank, Ltd.
6,270.00
3,049.02
94.66%

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 attributable to owners of parent per share on a diluted basis.

As a result of the correction, diluted earnings per share for the nine-month period ended December 31, 2023 were revised down from ¥444.21 to ¥421.28, while the prior-year figure of ¥250.71 remained unchanged. The adjustment may influence investors’ assessment of the group’s recent earnings momentum, though it does not alter the previously reported absolute profit levels, only the per-share calculation on a diluted basis.

The most recent analyst rating on (JP:7173) stock is a Hold with a Yen12182.00 price target. To see the full list of analyst forecasts on Tokyo Kiraboshi Financial Group, Inc. stock, see the JP:7173 Stock Forecast page.

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 reported diluted earnings per share for the period, while leaving basic earnings per share and net assets per share unchanged, and also adjusts the related note disclosures in its consolidated financial statements.

The company attributes the change to the discovery of errors in the initial calculation of diluted profit per share, prompting updates to both consolidated and non-consolidated per-share data for the latest fiscal year. Although the correction is technical in nature, it affects key per-share profitability indicators that are closely monitored by investors and may influence analytical assessments of the group’s earnings performance and valuation metrics.

The most recent analyst rating on (JP:7173) stock is a Hold with a Yen12182.00 price target. To see the full list of analyst forecasts on Tokyo Kiraboshi Financial Group, Inc. stock, see the JP:7173 Stock Forecast page.

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 attributable to owners of parent per diluted share.

The company lowered the diluted earnings per share figure for the June 30, 2024 quarter from ¥156.04 to ¥147.73, while the prior-year figure of ¥112.95 remained unchanged. The correction clarifies the group’s short-term earnings per share performance, ensuring more accurate information for investors and other stakeholders.

The most recent analyst rating on (JP:7173) stock is a Hold with a Yen12182.00 price target. To see the full list of analyst forecasts on Tokyo Kiraboshi Financial Group, Inc. stock, see the JP:7173 Stock Forecast page.

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 on a diluted basis, reflecting an adjustment in its disclosed earnings per share data.

The company lowered the diluted profit per share for the six-month period in 2024 from ¥309.68 to ¥293.17, while the prior-year figure for 2023 remains unchanged. The correction, stemming from identified calculation errors, may prompt investors and analysts to revisit their assessments of the group’s interim profitability and earnings quality.

The most recent analyst rating on (JP:7173) stock is a Hold with a Yen12182.00 price target. To see the full list of analyst forecasts on Tokyo Kiraboshi Financial Group, Inc. stock, see the JP:7173 Stock Forecast page.

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 attributable to owners of parent per share on a diluted basis, which was misstated in the initial January 31, 2025 disclosure.

The company disclosed that diluted earnings per share for the nine months ended December 31, 2024 were revised from ¥478.92 to ¥458.82, while the prior-year comparative figure for 2023 was adjusted from ¥444.21 to ¥421.28. The announcement focuses on rectifying these numerical errors to ensure investors and other stakeholders rely on accurate per-share profitability data when assessing the group’s recent performance.

The most recent analyst rating on (JP:7173) stock is a Hold with a Yen12182.00 price target. To see the full list of analyst forecasts on Tokyo Kiraboshi Financial Group, Inc. stock, see the JP:7173 Stock Forecast page.

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 owners of parent per share on a diluted basis in both consolidated and non-consolidated disclosures.

The corrected data lower the previously reported diluted earnings per share for fiscal years 2024 and 2025, and corresponding diluted net income per share metrics have also been adjusted downward. These changes may alter stakeholders’ assessment of the group’s per-share profitability, though headline net assets per share and basic earnings per share figures remain unchanged, limiting the scope of the impact to dilution-related indicators.

The most recent analyst rating on (JP:7173) stock is a Hold with a Yen12182.00 price target. To see the full list of analyst forecasts on Tokyo Kiraboshi Financial Group, Inc. stock, see the JP:7173 Stock Forecast page.

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 local finance, supporting businesses and individuals through loans, deposits, and other financial products.

The company announced it has corrected previously disclosed consolidated financial results for the three months ended June 30, 2025, after discovering errors in the figures for diluted profit attributable to owners of parent per share. The revised data show lower diluted earnings per share for both the June 2025 and June 2024 quarters than originally reported, signaling an adjustment to the company’s reported profitability metrics but not indicating broader operational changes.

The most recent analyst rating on (JP:7173) stock is a Hold with a Yen12182.00 price target. To see the full list of analyst forecasts on Tokyo Kiraboshi Financial Group, Inc. stock, see the JP:7173 Stock Forecast page.

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 profit attributable to owners of parent per share on a diluted basis.

The corrected data show that diluted earnings per share for the period ended September 30, 2025 were adjusted from ¥487.24 to ¥452.98, and for the prior-year period from ¥309.68 to ¥293.17. The announcement clarifies that the underlying issue was an error in the calculation of diluted profit per share, signaling to investors and stakeholders that headline per-share profitability figures have been moderately reduced but without reference to changes in underlying business performance.

The most recent analyst rating on (JP:7173) stock is a Hold with a Yen12182.00 price target. To see the full list of analyst forecasts on Tokyo Kiraboshi Financial Group, Inc. stock, see the JP:7173 Stock Forecast page.

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 owners of parent per share on a diluted basis contained errors.

The revised data show lower diluted earnings per share for both the nine-month periods ended December 31, 2025 and 2024 than initially reported. While the underlying business performance is not restated in this notice, the adjustment may affect investors’ assessment of the group’s per-share profitability and highlights the importance of data accuracy in its financial reporting.

The most recent analyst rating on (JP:7173) stock is a Hold with a Yen12182.00 price target. To see the full list of analyst forecasts on Tokyo Kiraboshi Financial Group, Inc. stock, see the JP:7173 Stock Forecast page.

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 consolidated financial reports as well as related annual securities, semi-annual, and quarterly reports, primarily revising figures for diluted profit attributable to owners of parent per share.

The company stated that the changes were necessary after discovering errors in the calculation of diluted earnings per share, leading to lower corrected values for several recent reporting periods. While the revisions are technical and focused on per-share data, they may influence investors’ assessment of the group’s recent profitability metrics and underscore the importance of accuracy in its financial reporting practices.

The most recent analyst rating on (JP:7173) stock is a Hold with a Yen12182.00 price target. To see the full list of analyst forecasts on Tokyo Kiraboshi Financial Group, Inc. stock, see the JP:7173 Stock Forecast page.

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 to owners of parent increasing 33.2% to ¥27.7 billion, supported by a sharp improvement in comprehensive income and a stronger equity base that lifted its net assets-to-total assets ratio. Reflecting this performance, the group maintained its full-year earnings forecast, targeting a 12.8% rise in ordinary profit and a 5.2% increase in profit attributable to owners of parent, and plans to raise its annual common dividend to ¥170 per share for the fiscal year ending March 31, 2026, signaling confidence in earnings sustainability and offering enhanced returns to shareholders.

The most recent analyst rating on (JP:7173) stock is a Buy with a Yen10840.00 price target. To see the full list of analyst forecasts on Tokyo Kiraboshi Financial Group, Inc. stock, see the JP:7173 Stock Forecast page.

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.Date of analysis: Mar 06, 2026