Concordia Financial Group Ltd (JP:7186)
:7186
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Concordia Financial Group
(7186)
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Rating:69Neutral
Price Target:
¥1,750.00
▲(15.86% 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
Multi‑year revenue and earnings recovery
Sustained revenue growth and a multi‑year earnings recovery indicate durable demand and improving operating leverage. A more than fourfold rise in net income since 2021 suggests the business model is scaling profitably, supporting cash generation and strategic reinvestment over 2–6 months and beyond.
Negative Factors
Meaningful leverage remains
Persistently meaningful leverage limits strategic flexibility and raises sensitivity to rising funding costs or credit shocks. For a regional bank, higher absolute debt elevates regulatory scrutiny and constrains capital deployment, slowing durable improvements in returns and risk profile.
Read all positive and negative factors
Positive Factors
Negative Factors
Multi‑year revenue and earnings recovery
Sustained revenue growth and a multi‑year earnings recovery indicate durable demand and improving operating leverage. A more than fourfold rise in net income since 2021 suggests the business model is scaling profitably, supporting cash generation and strategic reinvestment over 2–6 months and beyond.
Read all positive factors
Concordia Financial Group (7186) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥1.85T
Dividend Yield2.54%
Average Volume (3M)2.90M
Price to Earnings (P/E)17.0
Beta (1Y)1.34
Revenue Growth23.44%
EPS Growth31.25%
CountryJP
Employees5,815
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)111.42
Revenue Forecast (FY)¥349.84B
Concordia Financial Group Business Overview & Revenue Model
Company Description
Yokohama Financial Group, Inc. is a holding company that engages in the banking business, as well as securities business, leasing business, information services and research business, and venture capital business. The company was founded on April ...
How the Company Makes Money
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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
1510.50
Price Trends
1508.13
Positive
1487.28
Positive
1308.52
Positive
Market Momentum
36.53
Positive
56.91
Neutral
24.24
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 1510.5 is below the 20-day moving average (MA) of 1591.22, above the 50-day MA of 1508.13, and above the 200-day MA of 1308.52, indicating a bullish trend. The MACD of 36.53 indicates Positive momentum. The RSI at 56.91 is Neutral, neither overbought nor oversold. The STOCH value of 24.24 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 | ¥1.59T | 17.27 | 7.38% | 2.62% | 22.66% | 28.39% | |
70 Outperform | ¥1.56T | 16.90 | ― | 3.04% | 15.67% | 22.94% | |
69 Neutral | ¥1.85T | 17.00 | 7.83% | 2.54% | 23.44% | 31.25% | |
69 Neutral | ¥1.29T | 13.03 | ― | 2.04% | 18.06% | 170.83% | |
68 Neutral | ¥1.15T | 14.82 | ― | 2.00% | 26.77% | 52.41% | |
68 Neutral | ¥1.26T | 14.50 | 8.24% | 3.06% | 22.25% | 18.47% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
* Financial Sector Average
JP:7186
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Concordia Financial Group Corporate Events
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 ...
Yokohama Financial Group Raises Dividend Forecast for FY2026
Mar 9, 2026
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...
Yokohama Financial Group Completes ¥30 Billion Share Buyback Program
Mar 6, 2026
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...
Yokohama Financial Group Details Progress on ¥30 Billion Share Buyback Program
Mar 4, 2026
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 ...
Yokohama Financial Group Posts Strong Capital Ratios for Third Quarter 2025
Feb 13, 2026
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...
Yokohama Financial Group Boosts Capital Ratios Across Core Banking Units
Feb 13, 2026
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, supporte...
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.