Kyushu Financial Group Inc (JP:7180)
:7180
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Kyushu Financial Group
(7180)
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Rating:66Neutral
Price Target:
¥1,216.00
▲(11.97% Upside)
Action:DowngradedDate:02/06/26
The score is driven primarily by solid financial performance (revenue growth and profitability), tempered by meaningful cash flow weakness and liquidity concerns. Technicals are bullish but overextended, adding near-term pullback risk, while valuation is broadly neutral with a modest dividend yield.
Positive Factors
Consistent revenue growth trend
Sustained double-digit revenue growth and a multi-year increase in total revenue indicate expanding core banking activity and stronger fee/interest generation. That trend supports durability of earnings and room to invest in digital/branch capabilities over the next 2–6 months and beyond.
Negative Factors
Weak operating cash generation
Material negative operating and free cash flow constrain internal funding, raise reliance on external financing and limit flexibility for dividends, buybacks or growth investments. Persistent cash deficits increase liquidity risk and could pressure funding costs or capital actions.
Read all positive and negative factors
Positive Factors
Negative Factors
Consistent revenue growth trend
Sustained double-digit revenue growth and a multi-year increase in total revenue indicate expanding core banking activity and stronger fee/interest generation. That trend supports durability of earnings and room to invest in digital/branch capabilities over the next 2–6 months and beyond.
Read all positive factors
Kyushu Financial Group (7180) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥526.69B
Dividend Yield2.02%
Average Volume (3M)1.31M
Price to Earnings (P/E)10.8
Beta (1Y)1.62
Revenue Growth12.96%
EPS Growth44.62%
CountryJP
Employees4,598
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)23.58
Shares Outstanding463,375,980
10 Day Avg. Volume1,388,110
30 Day Avg. Volume1,307,926
Financial Highlights & Ratios
PEG Ratio0.70
Price to Book (P/B)0.45
Price to Sales (P/S)1.28
P/FCF Ratio-0.79
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
¥1,250.00Price Target Upside15.10% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)82.6
Revenue Forecast (FY)¥281.50B
Kyushu Financial Group Business Overview & Revenue Model
Company Description
Kyushu Financial Group, Inc., through its subsidiaries, provides various financial services to customers in Japan. The company operates through Banking and Leasing segments. It offers deposit products; securities investment services; and domestic ...
How the Company Makes Money
Kyushu Financial Group makes money primarily through the earnings generated by its banking subsidiaries and other financial group companies, with income consolidated at the holding-company level.
1) Net interest income (core earnings driver): The...
Kyushu Financial Group Financial Statement Overview
Summary
Income Statement
75
Positive
Balance Sheet
70
Positive
Cash Flow
65
Positive
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 251.65B | 248.12B | 218.93B | 208.86B | 179.75B | 173.78B |
| Gross Profit | 217.83B | 214.99B | 188.12B | 193.43B | 162.70B | 150.34B |
| EBITDA | 48.51B | 52.48B | 47.22B | 44.20B | 32.04B | 29.50B |
| Net Income | 34.52B | 30.37B | 26.39B | 24.67B | 16.66B | 15.01B |
Balance Sheet | ||||||
| Total Assets | 13.57T | 13.28T | 13.52T | 13.18T | 14.17T | 12.20T |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 1.89T | 2.21T | 2.23T | 3.61T | 1.96T |
| Total Debt | 2.12T | 1.99T | 2.39T | 1.96T | 5.56T | 2.89T |
| Total Liabilities | 12.85T | 12.57T | 12.80T | 12.53T | 13.50T | 11.52T |
| Stockholders Equity | 715.92B | 703.74B | 716.93B | 651.62B | 670.92B | 681.25B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | -403.43B | 0.00 | -1.64T | 1.82T | 784.53B |
| Operating Cash Flow | 0.00 | -392.13B | 0.00 | -1.63T | 1.83T | 794.76B |
| Investing Cash Flow | 0.00 | 77.68B | 144.98B | 252.14B | -170.96B | -3.59B |
| Financing Cash Flow | 0.00 | -8.12B | 49.79B | -5.20B | -8.88B | -5.32B |
Kyushu Financial Group Technical Analysis
Positive
1086.00
Price Trends
1224.24
Negative
1100.52
Positive
953.77
Positive
Market Momentum
-20.78
Positive
49.87
Neutral
54.73
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:7180, the sentiment is Positive. The current price of 1086 is below the 20-day moving average (MA) of 1201.57, below the 50-day MA of 1224.24, and above the 200-day MA of 953.77, indicating a neutral trend. The MACD of -20.78 indicates Positive momentum. The RSI at 49.87 is Neutral, neither overbought nor oversold. The STOCH value of 54.73 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:7180.
Kyushu Financial Group Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | ¥119.10B | 8.48 | ― | 2.71% | 15.37% | 35.08% | |
72 Outperform | ¥150.42B | 8.04 | 3.68% | 2.26% | 9.34% | 20.61% | |
72 Outperform | ¥163.14B | 7.55 | ― | 2.29% | 13.93% | 54.44% | |
68 Neutral | ¥82.38B | 7.94 | ― | 2.29% | 7.97% | 20.44% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | ¥526.69B | 10.79 | 5.53% | 2.02% | 12.96% | 44.62% | |
66 Neutral | ¥1.20T | 8.94 | 8.24% | 3.06% | 12.77% | 9.22% |
* Financial Sector Average
JP:7180
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Kyushu Financial Group Corporate Events
Kyushu Financial Group Completes Nearly ¥10 Billion Share Buyback
Mar 16, 2026
Kyushu Financial Group has completed a share repurchase program authorized by its board in September 2025, buying back 805,800 common shares on the Tokyo Stock Exchange between March 1 and March 12, 2026 for about 980 million yen. In total under t...
Kyushu Financial Group Nears Limit of ¥10 Billion Share Buyback Program
Mar 10, 2026
Kyushu Financial Group has disclosed the latest status of its ongoing share repurchase program, buying back 2,064,400 common shares on the Tokyo Stock Exchange in February 2026 for about 2.68 billion yen. This transaction forms part of a broader b...
Kyushu Financial Group Revamps Leadership at Core Unit Kagoshima Bank
Feb 27, 2026
Kyushu Financial Group has announced a leadership reshuffle at its core subsidiary Kagoshima Bank, effective April 1, 2026, as part of its ongoing governance and succession planning. Current Deputy President and Representative Director Hiromi Ikar...
Kyushu Financial Group Realigns Leadership Across Holding Company and Core Banks
Feb 27, 2026
Kyushu Financial Group has announced a series of leadership changes across the holding company and its core banking subsidiaries, reflecting an ongoing transition in its management structure. At the group level, Senior Executive Officer Hiroki Kat...
Kyushu Financial Group Posts Strong Nine-Month Profit Surge, Lifts Annual Dividend Outlook
Feb 12, 2026
Kyushu Financial Group reported strong results for the nine months ended December 31, 2025, with ordinary income rising 11.3% year on year to ¥185.8 billion and profit attributable to owners of parent surging 47.9% to ¥31.0 billion, lift...
Kyushu Financial Group Advances Share Buyback, Repurchasing Over 6.5 Million Shares to Date
Feb 10, 2026
Kyushu Financial Group has reported progress on its ongoing share repurchase program, buying back 1,633,100 common shares on the Tokyo Stock Exchange between January 1 and January 31, 2026, at a total cost of about ¥1.83 billion. The purchase...
Kyushu Financial Group Reports Progress on Ongoing Share Buyback Program
Jan 9, 2026
Kyushu Financial Group has disclosed the latest status of its ongoing share repurchase program, confirming that it bought back 1,645,800 shares of common stock on the Tokyo Stock Exchange between December 1 and December 31, 2025, at a total cost o...
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.