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Concordia Financial Group
(7186)
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Rating:69Neutral
Price Target:
¥2,031.00
▲(5.48% Upside)
Action:Reiterated
Date:05/13/26
The score is driven primarily by improving financial performance (strong earnings recovery and steady revenue growth) but tempered by balance-sheet leverage and some cash-flow volatility. Technicals add support due to a clear uptrend and positive momentum, while valuation is reasonable but not notably cheap, with a moderate dividend yield.
Positive Factors
Steady revenue and multi-year earnings recovery
Consistent revenue growth and a multi-year earnings recovery indicate durable demand and improving operating leverage. Over 2–6 months this supports stable cash generation and reinvestment capacity, reducing execution risk and underpinning sustainable profitability expansion.
Negative Factors
High absolute debt and meaningful leverage
Material absolute debt levels and persistent leverage limit capital flexibility and increase sensitivity to interest-rate and funding shocks. Over months this constrains strategic investments, heightens regulatory scrutiny risk, and can amplify downside in stressed scenarios.
Read all positive and negative factors
Positive Factors
Negative Factors
Steady revenue and multi-year earnings recovery
Consistent revenue growth and a multi-year earnings recovery indicate durable demand and improving operating leverage. Over 2–6 months this supports stable cash generation and reinvestment capacity, reducing execution risk and underpinning sustainable profitability expansion.
Read all positive factors
Concordia Financial Group (7186) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥2.10T
Dividend Yield2.07%
Average Volume (3M)2.90M
Price to Earnings (P/E)19.6
Beta (1Y)1.38
Revenue Growth23.44%
EPS Growth31.35%
CountryJP
Employees6,313
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)94.03
Shares Outstanding1,144,616,100
10 Day Avg. Volume3,123,790
30 Day Avg. Volume2,904,723
Financial Highlights & Ratios
PEG Ratio0.47
Price to Book (P/B)1.11
Price to Sales (P/S)3.25
P/FCF Ratio8.73
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)122.99
Revenue Forecast (FY)¥392.08B
Concordia Financial Group Business Overview & Revenue Model
Company Description
Yokohama Financial Group, Inc. functions as a holding company with a varied operational scope. Its business segments encompass banking, securities, leasing, information services and research, and venture capital. The entity commenced operations on...
How the Company Makes Money
Concordia Financial Group makes money primarily through the earnings of its consolidated subsidiaries, mainly its regional banking operations. Key revenue streams typically include (1) net interest income from lending and investing activities—earn...
Concordia Financial Group Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
60
Neutral
Cash Flow
67
Positive
| Breakdown | Mar 2026 | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 479.29B | 388.40B | 363.81B | 307.63B | 275.11B |
| Gross Profit | 380.71B | 312.67B | 299.49B | 265.29B | 261.59B |
| EBITDA | 169.01B | 131.69B | 104.66B | 93.69B | 92.31B |
| Net Income | 106.52B | 82.81B | 66.93B | 56.16B | 53.88B |
Balance Sheet | |||||
| Total Assets | 25.67T | 24.79T | 24.38T | 25.73T | 24.06T |
| Cash, Cash Equivalents and Short-Term Investments | 4.15T | 4.45T | 4.13T | 6.43T | 5.64T |
| Total Debt | 2.54T | 2.24T | 2.52T | 4.50T | 4.81T |
| Total Liabilities | 24.25T | 23.50T | 23.10T | 24.57T | 22.90T |
| Stockholders Equity | 1.40T | 1.29T | 1.28T | 1.16T | 1.16T |
Cash Flow | |||||
| Free Cash Flow | 178.29B | 229.56B | -21.06B | 79.58B | 64.66B |
| Operating Cash Flow | 192.16B | 239.73B | -11.71B | 85.16B | 76.98B |
| Investing Cash Flow | -646.44B | -85.58B | -287.04B | -912.64B | -1.15T |
| Financing Cash Flow | 151.32B | 173.08B | -1.93T | 1.59T | 2.50T |
Concordia Financial Group Technical Analysis
Positive
1925.50
Price Trends
1782.85
Positive
1640.41
Positive
1475.61
Positive
Market Momentum
16.88
Positive
50.93
Neutral
32.86
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:7186, the sentiment is Positive. The current price of 1925.5 is above the 20-day moving average (MA) of 1887.95, above the 50-day MA of 1782.85, and above the 200-day MA of 1475.61, indicating a neutral trend. The MACD of 16.88 indicates Positive momentum. The RSI at 50.93 is Neutral, neither overbought nor oversold. The STOCH value of 32.86 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:7186.
Concordia Financial Group Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
70 Outperform | ¥1.80T | 19.64 | 7.67% | 1.89% | 22.65% | 28.42% | |
70 Outperform | ¥1.73T | 18.97 | ― | 3.04% | 15.67% | 23.06% | |
69 Neutral | ¥2.10T | 19.56 | 7.77% | 1.97% | 23.44% | 31.35% | |
69 Neutral | ¥1.30T | 12.15 | ― | 2.04% | 18.82% | 226.00% | |
68 Neutral | ¥1.30T | 16.81 | ― | 2.00% | 26.77% | 52.39% | |
68 Neutral | ¥1.41T | 16.28 | 8.30% | 2.38% | 22.25% | 18.46% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
* Financial Sector Average
JP:7186
Concordia Financial Group
1,821.00
791.61
76.90%
JP:8331
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91.44%
JP:8354
Fukuoka Financial Group
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84.61%
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Mebuki Financial Group, Inc.
1,628.00
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93.26%
Concordia Financial Group Corporate Events
Yokohama Financial Group Launches ¥20 Billion Share Buyback to Boost Capital Efficiency
Aug 5, 2026
Yokohama Financial Group, Inc. has approved a share repurchase program for its common stock to improve capital efficiency in light of its business performance and current capital levels. The initiative underscores management’s focus on optim...
Yokohama Financial Group Posts Strong Q1 Earnings and Lifts Annual Dividend Outlook
Aug 5, 2026
Yokohama Financial Group reported solid earnings growth for the three months ended June 30, 2026, with ordinary income rising 15.9% year on year to ¥130,998 million and profit attributable to owners of the parent increasing 18.4% to ¥32,...
Yokohama Financial Group Raises Dividend Outlook and Sets 40% Payout Target
May 12, 2026
Yokohama Financial Group has approved a year-end dividend of 21 yen per share for the term ended March 31, 2026, matching its previous forecast and bringing the total annual dividend for FY2025 to 38 yen per share. The payout, funded from retained...
Yokohama Financial Group Lifts Annual Ordinary Income by 23% on Loan Growth and Wider Spreads
May 12, 2026
Yokohama Financial Group reported a sharp increase in consolidated ordinary income for the fiscal year ended March 31, 2026, reaching ¥490.7 billion, up 22.9% from ¥399.1 billion a year earlier. The improvement was driven primarily by hi...
Yokohama Financial Group Lifts Profit and Dividends, Signals Further Growth
May 12, 2026
Yokohama Financial Group reported a strong year to March 31, 2026, with consolidated ordinary income up 22.9% to ¥490.7 billion and profit attributable to owners of the parent rising 28.6% to ¥106.5 billion, alongside improved return on ...
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.