Kyushu Financial Group (7180) AI Stock Analysis

• Market Cap: $314.74B
• Dividend Yield: 4.96%
• Average Volume (3M): 1.15M
• Price to Earnings (P/E): 10.2
• Beta (1Y): 1.50
• Revenue Growth: -2.23%
• EPS Growth: 1.97%
• Country: JP
• Employees: 4,598
• Sector: Financial
• Sector Strength: 79
• Industry: Banks - Regional
• EPS (TTM): 21.81
• Shares Outstanding: 463,375,980
• 10 Day Avg. Volume: 948,150
• 30 Day Avg. Volume: 1,146,400
• PEG Ratio: 0.17
• Price to Book (P/B): 0.32
• Price to Sales (P/S): 0.00
• P/FCF Ratio: -0.13
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 67 Neutral
• Price Target: ―

Kyushu Financial Group's score reflects its strong profitability and stable balance sheet, though recent revenue declines and cash flow issues are concerns. The stock's technical indicators suggest neutral momentum, with the valuation appearing attractive due to a low P/E ratio and solid dividend yield. These factors combine to give a moderately positive outlook.

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 and foreign exchange transactions services. The company also provides over-the-counter sales service for government and other public bonds, securities investment trusts and insurance products, and trust businesses. In addition, the company provides credit card, consigned computing and software development, and credit guarantee services. Further, the company engages in leasing and lending activities, and financial instruments business. Kyushu Financial Group, Inc. was incorporated in 2015 and is headquartered in Kumamoto, Japan.

How the Company Makes Money

Kyushu Financial Group generates revenue primarily through interest income from its lending activities, where it earns interest on loans provided to individuals and businesses. Additionally, the company earns non-interest revenue from fees and commissions on various financial services, such as account maintenance, transaction services, and investment product sales. The group also gains revenue from its leasing operations and asset management services. Partnerships with other financial institutions and businesses can enhance its service offerings and contribute to its earnings, while its regional focus allows it to maintain strong relationships with local clients, further solidifying its revenue base.

Kyushu Financial Group Financial Statement Overview

Summary

Kyushu Financial Group demonstrates strong profitability and a stable balance sheet, with efficient cost management. However, recent revenue decline and cash flow challenges pose risks. Continued focus on revenue growth and cash flow improvement could enhance financial health and investor confidence.

Income Statement

Kyushu Financial Group has shown a consistent growth trajectory with an increasing total revenue in recent years. The Gross Profit Margin and Net Profit Margin are solid, indicating efficient cost management and profitability. However, the recent decline in total revenue from the previous annual period raises concerns about future growth sustainability.

Balance Sheet

The company maintains a healthy equity position with a solid Equity Ratio, indicating good financial stability. The Debt-to-Equity Ratio is manageable, suggesting the firm is not overly leveraged. The Return on Equity, while positive, indicates room for improvement in generating returns on equity.

Cash Flow

The cash flow situation shows some challenges, with negative free cash flow in recent periods, indicating potential liquidity issues. The Operating Cash Flow to Net Income Ratio is not available, limiting insights into cash generation efficiency. Historical positive cash flows suggest potential for recovery if operational efficiencies improve.

Breakdown
TTM	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021
Income Statement		Total Revenue
195.90B	231.81B	186.50B	191.03B	170.03B	162.96B
	Gross Profit
196.38B	0.00	186.50B	191.03B	170.03B	162.96B
	EBIT
108.28B	26.45B	43.23B	26.46B	15.07B	13.17B
	EBITDA
29.59B	26.45B	47.22B	44.26B	32.10B	29.50B
	Net Income Common Stockholders
24.65B	30.37B	26.39B	24.67B	16.66B	15.01B
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
1.95T	0.00	2.21T	2.23T	3.61T	1.96T
	Total Assets
13.49T	13.28T	13.52T	13.18T	14.17T	12.20T
	Total Debt
1.36T	1.76T	2.09T	1.25T	2.26T	864.47B
	Net Debt
-589.04B	1.76T	-119.58B	-974.40B	-1.36T	-1.10T
	Total Liabilities
12.78T	12.57T	12.80T	1.82T	13.50T	11.52T
	Stockholders Equity
709.68B	703.74B	716.93B	651.62B	670.92B	681.25B
Cash Flow		Free Cash Flow
0.00	9.61B	-163.22B	-1.64T	1.82T	784.53B
	Operating Cash Flow
0.00	14.69B	-209.48B	-1.63T	1.83T	794.76B
	Investing Cash Flow
0.00	-127.70B	144.98B	252.14B	-170.96B	-3.59B
	Financing Cash Flow
0.00	-206.43B	49.79B	-5.20B	-8.88B	-5.32B

Kyushu Financial Group Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 713.90
• 50DMA: Positive
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:7180, the sentiment is Negative. The current price of 713.9 is below the 20-day moving average (MA) of 724.45, above the 50-day MA of 689.32, and below the 200-day MA of 714.60, indicating a neutral trend. The MACD of 5.89 indicates Positive momentum. The RSI at 48.49 is Neutral, neither overbought nor oversold. The STOCH value of 15.62 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for JP:7180.

Kyushu Financial Group Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
7327	73 Outperform	¥301.90B	9.84		4.24%	9.02%	14.49%
8377	71 Outperform	¥341.81B	8.95		1.44%	21.04%	20.47%
7337	67 Neutral	¥376.43B	10.44		3.96%	<0.01%	56.12%
7180	67 Neutral	$314.74B	10.22	4.21%	4.96%	-2.23%	1.97%
Sector *	64 Neutral	$12.85B	9.81	7.79%	78.20%	12.23%	-7.93%
5832	63 Neutral	¥323.65B	11.56		4.03%	12.82%	13.03%
8410	62 Neutral	¥312.04B	17.04		4.14%	14.13%	-74.08%

Kyushu Financial Group Corporate Events

Kyushu Financial Group Announces Executive Leadership Changes

Kyushu Financial Group, Inc. has announced a series of changes in its executive leadership, effective from April 1, 2025. These changes include the retirement of certain executive officers and the promotion and appointment of new ones across the company and its subsidiaries. These strategic leadership adjustments are expected to enhance the company’s operational efficiency and strengthen its market position.

Kyushu Financial Group Enhances Corporate Governance and Diversity Initiatives

Kyushu Financial Group has updated its corporate governance framework to enhance transparency, openness, and sound management practices. The company has adopted a structure with an Audit and Supervisory Committee to improve decision-making efficiency and strengthen governance. The group is committed to reducing cross-held shares, ensuring diversity in its workforce, and promoting female participation in managerial roles, which aligns with its long-term strategy to foster innovation and strengthen ties with foreign countries.

Kyushu Financial Group Reports Nine-Month Financial Results with Optimistic Forecast for 2025

Kyushu Financial Group reported its consolidated financial results for the nine months ending December 31, 2024, showing a slight decline in ordinary revenues and profits attributable to owners. The company experienced a decrease in comprehensive income, highlighting challenges in maintaining growth. Despite this, the Group forecasts an increase in ordinary profit and earnings per share for the fiscal year ending March 31, 2025, indicating a positive outlook and potential recovery.