Kyushu Financial Group Inc (JP:7180)
:7180
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Kyushu Financial Group
(7180)
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Rating:66Neutral
Price Target:
¥1,516.00
▲(39.59% Upside)
Action:Reiterated
Date:05/15/26
The score is primarily held back by financial quality risks—especially highly erratic operating/free cash flow and meaningful leverage—despite improving earnings. Offsetting these concerns, technicals are supportive with the price above major moving averages and positive MACD, and valuation looks reasonable with a low P/E and a moderate dividend yield.
Positive Factors
Improving Profitability
Sustained revenue and net income increases across the period, with stable net margins, indicate the franchise is generating stronger recurring earnings. That improves internal capacity to support lending, cushion shocks, and fund strategic initiatives over the medium term.
Negative Factors
Cash Flow Volatility
Large swings in operating and free cash flow reduce confidence in internally generated funding for dividends, loan growth and capital spending. The pattern implies reliance on external funding or retained capital in down cycles, increasing long-term funding risk.
Read all positive and negative factors
Positive Factors
Negative Factors
Improving Profitability
Sustained revenue and net income increases across the period, with stable net margins, indicate the franchise is generating stronger recurring earnings. That improves internal capacity to support lending, cushion shocks, and fund strategic initiatives over the medium term.
Read all positive factors
Kyushu Financial Group (7180) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥606.57B
Dividend Yield2.02%
Average Volume (3M)1.31M
Price to Earnings (P/E)15.5
Beta (1Y)1.60
Revenue Growth5.69%
EPS Growth24.72%
CountryJP
Employees4,598
SectorGeneral
Sector StrengthN/A
IndustryBanks - Regional
Share Statistics
EPS (TTM)79.80
Shares Outstanding463,375,980
10 Day Avg. Volume1,388,110
30 Day Avg. Volume1,307,926
Financial Highlights & Ratios
PEG Ratio0.52
Price to Book (P/B)0.64
Price to Sales (P/S)1.88
P/FCF Ratio5.12
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)99.2
Revenue Forecast (FY)¥295.40B
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 of its consolidated financial subsidiaries, with the core revenue engine coming from traditional banking activities. The largest recurring source is net interest income: the group g...
Kyushu Financial Group Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
58
Neutral
Cash Flow
39
Negative
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 251.65B | 258.37B | 248.12B | 218.93B | 208.86B | 179.75B |
| Gross Profit | 217.83B | 211.63B | 214.99B | 188.12B | 193.43B | 162.70B |
| EBITDA | 48.51B | 63.97B | 52.48B | 47.22B | 44.20B | 32.04B |
| Net Income | 34.52B | 37.67B | 30.37B | 26.39B | 24.67B | 16.66B |
Balance Sheet | ||||||
| Total Assets | 13.57T | 13.53T | 13.28T | 13.52T | 13.18T | 14.17T |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 1.58T | 1.89T | 2.21T | 2.23T | 3.61T |
| Total Debt | 2.12T | 1.67T | 1.99T | 2.39T | 1.96T | 5.56T |
| Total Liabilities | 12.85T | 12.76T | 12.57T | 12.80T | 12.53T | 13.50T |
| Stockholders Equity | 715.92B | 760.97B | 703.74B | 716.93B | 651.62B | 670.92B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 94.68B | -403.43B | 0.00 | -1.64T | 1.82T |
| Operating Cash Flow | 0.00 | 103.03B | -392.13B | 0.00 | -1.63T | 1.83T |
| Investing Cash Flow | 0.00 | -528.60B | 77.68B | 144.98B | 252.14B | -170.96B |
| Financing Cash Flow | 0.00 | 89.34B | -8.12B | 49.79B | -5.20B | -8.88B |
Kyushu Financial Group Technical Analysis
Positive
1086.00
Price Trends
1286.23
Positive
1234.44
Positive
1055.97
Positive
Market Momentum
36.54
Positive
54.47
Neutral
22.63
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 1367.17, below the 50-day MA of 1286.23, and above the 200-day MA of 1055.97, indicating a bullish trend. The MACD of 36.54 indicates Positive momentum. The RSI at 54.47 is Neutral, neither overbought nor oversold. The STOCH value of 22.63 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 (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
72 Outperform | ¥131.69B | 11.66 | ― | 2.71% | 21.01% | 42.25% | |
70 Outperform | ¥175.81B | 16.10 | 3.68% | 2.26% | 23.47% | 44.30% | |
68 Neutral | ¥1.26T | 14.50 | 8.24% | 3.06% | 22.25% | 18.47% | |
66 Neutral | ¥606.57B | 15.52 | 5.53% | 2.02% | 5.69% | 24.72% | |
65 Neutral | ¥158.28B | 11.05 | ― | 2.29% | 9.41% | 45.91% | |
65 Neutral | ¥86.36B | 10.26 | ― | 2.29% | 11.72% | 14.29% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
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Kyushu Financial Group Corporate Events
Kyushu Financial Group Weighs Performance-Linked Stock Compensation for Employees
May 14, 2026
Kyushu Financial Group plans to introduce a performance-linked compensation system for employees of the parent company and key banking subsidiaries, extending to staff a stock-based framework already adopted in 2023 for directors and executive off...
Kyushu Financial Group to Raise Director Pay Cap and Tighten Performance Link in New Remuneration Plan
May 14, 2026
Kyushu Financial Group has approved a proposal to overhaul its executive remuneration system as part of its medium-term management plan, which aims to strengthen core banking-related businesses and expand regional value co-creation services. The c...
Kyushu Financial Group Launches ¥12 Billion Share Buyback to Boost Capital Efficiency
May 14, 2026
Kyushu Financial Group has approved a new share buyback program under which it may repurchase up to 12 million common shares, equivalent to 2.82% of its outstanding stock excluding treasury shares. The program, to be executed through market purcha...
Kyushu Financial Group Lifts Payout Target and Adopts Progressive Dividend Policy
May 14, 2026
Kyushu Financial Group has overhauled its shareholder return policy, shifting from a stable dividend framework with a 30% payout ratio target to a progressive dividend policy that aims for a 35% payout ratio based on profit attributable to owners ...
Kyushu Financial Group Lifts Year-End Dividend and Signals Higher Payouts Ahead
May 14, 2026
Kyushu Financial Group has announced a higher year-end dividend for the fiscal year ended March 31, 2026, raising it to 16 yen per share from the previously forecast 14 yen and up from 12 yen a year earlier. This brings the total annual dividend t...
Kyushu Financial Group Lifts Earnings, Strengthens Capital and Hikes Dividend
May 14, 2026
Kyushu Financial Group reported a solid performance for the fiscal year ended March 31, 2026, with ordinary income rising 4.7% to ¥263.25 billion and profit attributable to owners of parent up 24.0% to ¥37.67 billion, driving basic earni...
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...
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.