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Concordia Financial Group
(7186)
Concordia Financial Group (7186) vs. iShares MSCI Japan ETF (EWJ)
Concordia Financial Group Business Overview & Revenue Model
Concordia Financial Group Financial Statement Overview
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 455.71B | 388.40B | 363.81B | 307.63B | 275.11B | 278.42B |
| Gross Profit | 369.35B | 312.67B | 299.49B | 265.29B | 261.59B | 242.41B |
| EBITDA | 151.43B | 131.69B | 104.66B | 93.69B | 92.31B | 49.83B |
| Net Income | 105.06B | 82.81B | 66.93B | 56.16B | 53.88B | 25.33B |
Balance Sheet | ||||||
| Total Assets | 25.22T | 24.79T | 24.38T | 25.73T | 24.06T | 21.58T |
| Cash, Cash Equivalents and Short-Term Investments | 3.61T | 4.45T | 4.13T | 6.43T | 5.64T | 4.17T |
| Total Debt | 2.56T | 2.24T | 2.52T | 4.50T | 4.81T | 1.86T |
| Total Liabilities | 23.81T | 23.50T | 23.10T | 24.57T | 22.90T | 20.42T |
| Stockholders Equity | 1.39T | 1.29T | 1.28T | 1.16T | 1.16T | 1.15T |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 229.56B | -21.06B | 79.58B | 64.66B | 42.40B |
| Operating Cash Flow | 0.00 | 239.73B | -11.71B | 85.16B | 76.98B | 52.50B |
| Investing Cash Flow | 0.00 | -85.58B | -287.04B | -912.64B | -1.15T | -989.35B |
| Financing Cash Flow | 0.00 | 173.08B | -1.93T | 1.59T | 2.50T | 2.50T |
Concordia Financial Group Technical Analysis
Concordia Financial Group Peers Comparison
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
75 Outperform | $1.37T | 12.46 | 7.38% | 2.62% | 15.86% | 24.81% | |
75 Outperform | ¥1.28T | 19.77 | ― | 2.04% | 18.13% | 27.43% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $1.17T | 8.94 | 8.24% | 3.06% | 12.77% | 9.22% | |
64 Neutral | ¥1.58T | 12.21 | 7.83% | 2.54% | 19.38% | 29.95% | |
64 Neutral | ¥1.04T | 11.66 | ― | 2.00% | 18.45% | 41.89% | |
62 Neutral | ¥1.39T | 14.17 | ― | 3.04% | 9.16% | 29.12% |
Concordia Financial Group Corporate Events
Yokohama Financial Group has revised its dividend forecast for the fiscal year ending March 31, 2026, reflecting its policy of progressive dividends with a payout ratio of around 40 percent and flexible share buybacks. The group now plans to raise the year-end dividend from 20 yen to 21 yen per share, lifting the expected annual dividend to 38 yen per share, up from the previous forecast of 37 yen and significantly higher than the prior year’s 29 yen, signaling stronger performance and an enhanced return to shareholders.
The board’s decision, based on the overall performance of financial results and the current business environment, underscores management’s confidence in earnings sustainability and its commitment to shareholder returns. This move may improve the stock’s income appeal, reinforce the group’s positioning among Japanese financial institutions emphasizing capital efficiency, and could positively influence investor sentiment toward the company’s long-term value creation.
The most recent analyst rating on (JP:7186) stock is a Buy with a Yen1980.00 price target. To see the full list of analyst forecasts on Concordia Financial Group stock, see the JP:7186 Stock Forecast page.
Yokohama Financial Group has completed a share repurchase program authorized under its Articles of Incorporation and Japan’s Corporation Law, buying back 4,333,800 common shares between March 1 and March 5, 2026, via market purchases under a discretionary dealing contract. This latest tranche brings total repurchases under the November 13, 2025 board resolution to 20,412,700 shares at an aggregate cost of ¥29,999,927,400, effectively reaching the approved monetary ceiling and signaling an emphasis on shareholder returns and capital efficiency.
The completed buyback, which fell within an upper limit of 37 million shares and ¥30 billion set for the period from November 14, 2025 to March 31, 2026, reduces the company’s free float and may support earnings per share and share price over time. The program underscores management’s confidence in the group’s financial position and its commitment to capital allocation policies that prioritize shareholder value in a competitive Japanese banking sector.
The most recent analyst rating on (JP:7186) stock is a Buy with a Yen1980.00 price target. To see the full list of analyst forecasts on Concordia Financial Group stock, see the JP:7186 Stock Forecast page.
Yokohama Financial Group, Inc. reported progress on its ongoing share repurchase program authorized under its Articles of Incorporation and Japan’s Corporation Law. Between February 1 and February 28, 2026, the company bought back 6,165,500 common shares via market purchases under a discretionary dealing contract, at a total cost of ¥10,155,844,700.
These transactions form part of a broader program approved by the board on November 13, 2025, allowing repurchases of up to 37 million shares, or about 3.26% of shares outstanding, for a maximum of ¥30 billion through March 31, 2026. As of February 28, 2026, the company has repurchased an accumulated 16,078,900 shares for ¥23,195,148,300, signaling active capital management that may support earnings per share and shareholder value if the buyback pace continues toward the authorized limit.
The most recent analyst rating on (JP:7186) stock is a Buy with a Yen1980.00 price target. To see the full list of analyst forecasts on Concordia Financial Group stock, see the JP:7186 Stock Forecast page.
Yokohama Financial Group reported a solid capital position for the quarter ended December 31, 2025, with its consolidated total capital ratio rising to 16.61%, driven by increases in total and Tier 1 capital while risk-weighted assets edged higher. The Bank of Yokohama also strengthened its capital buffers, and regional units Higashi-Nippon Bank and Kanagawa Bank maintained capital adequacy ratios near or just below 10%, underscoring a generally stable regulatory capital profile that supports ongoing lending capacity and resilience under Japanese and international standards.
The capital metrics indicate the group is comfortably above minimum regulatory requirements, suggesting a robust balance-sheet foundation in a challenging macro environment. For stakeholders, including depositors and investors, the improved and stable ratios signal sustained financial soundness across the group’s major banking subsidiaries and the capacity to absorb risk while adhering to both international and domestic capital rules.
The most recent analyst rating on (JP:7186) stock is a Buy with a Yen1820.00 price target. To see the full list of analyst forecasts on Concordia Financial Group stock, see the JP:7186 Stock Forecast page.
Yokohama Financial Group reported that its consolidated total capital ratio under the international standard rose to 16.61% as of December 31, 2025, with Tier 1 and common equity Tier 1 ratios improving to 16.13% and 16.09%, respectively, supported by higher total capital of ¥1.36 trillion and modest growth in risk-weighted assets. The Bank of Yokohama also posted stronger consolidated capital metrics, while Higashi-Nippon Bank and The Kanagawa Bank maintained capital adequacy ratios of 9.36% and 9.67% under the domestic standard, underscoring stable regulatory capital buffers across the group and suggesting a solid foundation for ongoing lending and risk-taking capacity.
Within the group, The Bank of Yokohama’s consolidated total capital ratio increased to 16.07%, with Tier 1 and common equity Tier 1 ratios at 15.53% amid a slight rise in risk-weighted assets to ¥7.32 trillion, indicating improved loss-absorbing capacity. Higashi-Nippon Bank’s capital adequacy ratio edged up as its risk-weighted assets declined, and The Kanagawa Bank kept its ratio unchanged despite a small increase in risk-weighted assets, reflecting disciplined balance-sheet management and consistent adherence to domestic capital standards.
The most recent analyst rating on (JP:7186) stock is a Buy with a Yen1820.00 price target. To see the full list of analyst forecasts on Concordia Financial Group stock, see the JP:7186 Stock Forecast page.
Yokohama Financial Group reported strong consolidated results for the nine months ended December 31, 2025, with ordinary income rising 23.4% year-on-year to ¥356.8 billion, ordinary profit up 32.0% to ¥123.2 billion, and profit attributable to owners of the parent increasing 35.4% to ¥85.0 billion, while net income per share climbed to ¥74.73. The group’s financial position also improved, with total assets expanding to ¥25.22 trillion and the own capital ratio edging up to 5.5%, and it maintained its full-year earnings forecast projecting a 23.0% rise in ordinary profit and a 24.3% increase in profit attributable to owners, alongside a higher annual dividend forecast of ¥37 per share; the inclusion of L&F Asset Finance, Ltd. in the consolidation scope suggests continued strategic expansion of its financial services platform.
The most recent analyst rating on (JP:7186) stock is a Hold with a Yen1584.00 price target. To see the full list of analyst forecasts on Concordia Financial Group stock, see the JP:7186 Stock Forecast page.
Yokohama Financial Group has reported progress on its ongoing share repurchase program, buying back 7,598,100 common shares for approximately ¥10.26 billion between January 1 and January 31, 2026 via the ToSTNeT-3 off-auction own-share repurchase system. Under a board-approved authorization from November 2025 that allows repurchases of up to 37 million shares or ¥30 billion through March 31, 2026, the company has cumulatively repurchased 9,913,400 shares for about ¥13.04 billion as of the end of January, signaling continued capital return to shareholders and active balance-sheet management that may support earnings per share and share price over time.
The most recent analyst rating on (JP:7186) stock is a Hold with a Yen1536.00 price target. To see the full list of analyst forecasts on Concordia Financial Group stock, see the JP:7186 Stock Forecast page.
Yokohama Financial Group has repurchased 7,598,100 shares of its common stock for approximately ¥10.26 billion via the Tokyo Stock Exchange’s ToSTNeT-3 off-auction share repurchase system on January 8, 2026. The buyback, aimed at improving capital efficiency in light of the group’s business performance and capital position, is part of a broader board-approved program authorizing repurchases of up to 37 million shares or ¥30 billion between November 14, 2025 and March 31, 2026, underscoring management’s focus on shareholder returns and balance sheet optimization.
The most recent analyst rating on (JP:7186) stock is a Hold with a Yen1344.00 price target. To see the full list of analyst forecasts on Concordia Financial Group stock, see the JP:7186 Stock Forecast page.
Yokohama Financial Group will repurchase up to 7.6 million shares of its common stock, or about 0.67% of shares outstanding (excluding treasury shares), via the Tokyo Stock Exchange’s ToSTNeT-3 off-auction system at ¥1,350 per share on January 8, 2026, with a maximum outlay of ¥10.26 billion. The buyback, executed under a broader ¥30 billion program authorized in November 2025, will be partly sourced from sales by major institutional holders including several large insurers and a trust bank, and underscores the group’s ongoing efforts to adjust its shareholder base and enhance capital efficiency, with the exact final volume subject to market conditions.
The most recent analyst rating on (JP:7186) stock is a Hold with a Yen1344.00 price target. To see the full list of analyst forecasts on Concordia Financial Group stock, see the JP:7186 Stock Forecast page.
Yokohama Financial Group has disclosed the progress of its ongoing share buyback program, reporting that it repurchased 338,400 common shares on the market between December 1 and December 31, 2025, for a total of ¥408.7 million under a discretionary dealing contract. These purchases form part of a broader board-approved program, authorized in November 2025, that allows buybacks of up to 37 million shares or ¥30 billion through March 31, 2026; as of the end of December, the company had cumulatively repurchased about 2.32 million shares worth approximately ¥2.78 billion, signaling a measured approach to capital management and potential enhancement of shareholder value through reduced share float.
The most recent analyst rating on (JP:7186) stock is a Hold with a Yen1344.00 price target. To see the full list of analyst forecasts on Concordia Financial Group stock, see the JP:7186 Stock Forecast page.