Concordia Financial Group (7186) AI Stock Analysis

• Market Cap: ¥1.93T
• Dividend Yield: 2.54%
• Average Volume (3M): 2.90M
• Price to Earnings (P/E): 18.3
• Beta (1Y): 1.28
• Revenue Growth: 19.38%
• EPS Growth: 29.95%
• Country: JP
• Employees: 5,815
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 26.49
• Shares Outstanding: 1,144,616,100
• 10 Day Avg. Volume: 3,123,790
• 30 Day Avg. Volume: 2,904,723
• PEG Ratio: 0.54
• Price to Book (P/B): 0.88
• Price to Sales (P/S): 2.98
• P/FCF Ratio: 33.64
• 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: ¥1,755.62
• Price Target Upside: 3.88% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 7
• EPS Forecast (FY): 92.92
• Revenue Forecast (FY): ¥299.25B

• Rating: 64 Neutral
• Price Target: ¥1,746.00 ▲(3.31% Upside)
• Action: Reiterated Date: 02/10/26
• Date: Action: Reiterated 02/10/26

The score is driven mainly by solid profitability and improved leverage management, tempered by negative revenue growth, modest ROE, and weak operating cash conversion. Technicals show a strong uptrend but are overbought, adding near-term risk, while valuation and dividend yield appear moderate.

Positive Factors

Diversified business model

Concordia's mix of retail banking, insurance and asset management provides durable revenue diversification. Multiple fee and interest streams reduce dependence on any one cycle, enabling cross‑sell, steadier margins and resilience versus single‑segment peers over a multi‑quarter horizon.

Improving leverage metrics

A falling debt-to-equity trend improves financial flexibility and lowers insolvency risk. Sustained leverage improvement supports capital allocation for growth, cushions against rate shocks and eases regulatory pressure, strengthening the firm's balance sheet over the coming quarters.

Positive free cash flow generation

High free cash flow relative to net income signals real cash generation capacity to fund dividends, reinvestment or debt reduction. Consistent FCF provides a durable buffer against earnings volatility and supports strategic investments without relying on external financing.

Negative Factors

Negative recent revenue trend

A recent contraction in revenue interrupts the top‑line engine for long‑term profit expansion. Persistent or structural revenue declines can limit scalability, weaken cross‑sell economics, and force tradeoffs between margin protection and growth investments over multiple quarters.

Low return on equity

ROE near mid-single digits indicates limited efficiency in converting equity into shareholder returns. Without improvement, low ROE can constrain long‑term investor returns and suggest the need for strategic changes or capital reallocation to boost profitability versus peers.

Weak cash conversion of earnings

A very low operating cash flow to net income ratio implies earnings are not reliably turning into cash. Over time, poor cash conversion can stress liquidity, limit organic reinvestment and make sustaining dividends or deleveraging more difficult without altering operations.

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 1, 2016 and is headquartered in Tokyo, Japan.

How the Company Makes Money

Concordia Financial Group generates revenue through multiple streams, primarily from interest income on loans and fees associated with banking services. Its retail banking segment earns money by offering personal and commercial loans, where interest payments from borrowers constitute a significant portion of its income. Additionally, the company collects service fees for account maintenance and transactions. The insurance segment contributes to revenue through premium collections from policyholders, while its asset management division generates management fees from investment products. Significant partnerships with other financial institutions and strategic alliances enhance its service offerings and customer reach, further driving revenue growth.

Concordia Financial Group Financial Statement Overview

Summary

Profitability is solid with improved net margin (25.33% in 2025 vs 19.64% in 2024) and leverage management is improving (debt-to-equity 1.74 vs 1.97). Offsetting this are negative revenue growth (-1.12% in 2025), relatively low ROE (6.43%), and weak cash conversion (operating cash flow to net income ratio of 0.26%) despite positive free cash flow.

Income Statement

Concordia Financial Group shows strong profitability with a consistent gross profit margin of 100% over the years. The net profit margin has improved to 25.33% in 2025 from 19.64% in 2024, indicating enhanced efficiency in converting revenue into profit. However, the revenue growth rate has been negative in recent years, with a decline of 1.12% in 2025, which is a concern for future growth prospects.

Balance Sheet

The company's debt-to-equity ratio has improved to 1.74 in 2025 from 1.97 in 2024, suggesting better leverage management. However, the return on equity remains relatively low at 6.43%, indicating moderate efficiency in generating returns from shareholders' equity. The equity ratio is not provided, limiting a full assessment of financial stability.

Cash Flow

Concordia Financial Group's cash flow situation has improved with a positive free cash flow in 2025, but the operating cash flow to net income ratio is low at 0.26%, indicating potential challenges in converting income into cash. The free cash flow to net income ratio is strong at 76.82%, reflecting good cash generation relative to net income.

Breakdown	TTM	Mar 2026	Mar 2025	Mar 2024	Mar 2023	Mar 2022
Income Statement
Total Revenue	336.40B	380.59B	340.71B	296.11B	270.30B	275.04B
Gross Profit	336.40B	314.42B	286.58B	266.86B	264.89B	268.89B
EBITDA	133.78B	131.69B	104.66B	93.69B	92.31B	49.83B
Net Income	87.18B	82.81B	66.93B	56.16B	53.88B	25.33B
Balance Sheet
Total Assets	24.90T	24.79T	24.38T	25.73T	24.06T	21.58T
Cash, Cash Equivalents and Short-Term Investments	0.00	4.45T	4.13T	6.43T	5.64T	4.17T
Total Debt	2.53T	2.24T	2.52T	4.50T	3.23T	1.86T
Total Liabilities	23.57T	23.50T	23.10T	24.57T	22.90T	20.42T
Stockholders Equity	1.32T	1.29T	1.28T	1.16T	1.16T	1.15T
Cash Flow
Free Cash Flow	0.00	33.72B	-2.33T	953.25B	1.23T	2.02T
Operating Cash Flow	0.00	43.90B	-2.32T	965.54B	1.25T	2.04T
Investing Cash Flow	0.00	21.59B	37.48B	-148.05B	218.75B	-480.59B
Financing Cash Flow	0.00	261.75B	56.44B	-56.93B	-43.91B	505.00M

Concordia Financial Group Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 1690.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: 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 1690 is above the 20-day moving average (MA) of 1604.10, above the 50-day MA of 1450.78, and above the 200-day MA of 1157.00, indicating a bullish trend. The MACD of 66.27 indicates Positive momentum. The RSI at 61.09 is Neutral, neither overbought nor oversold. The STOCH value of 33.25 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
8331	75 Outperform	¥1.59T	18.55	6.56%	2.62%	15.86%	24.81%
5844	71 Outperform	¥1.13T	25.65	―	2.04%	18.13%	27.43%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
8354	66 Neutral	$1.31T	15.82	7.39%	3.06%	12.77%	9.22%
7186	64 Neutral	¥1.93T	18.31	6.87%	2.54%	19.38%	29.95%
7167	64 Neutral	¥1.17T	17.32	―	2.00%	18.45%	41.89%
5831	62 Neutral	¥1.71T	18.57	―	3.04%	9.16%	29.12%

Concordia Financial Group Corporate Events

Yokohama Financial Group Posts Strong Nine-Month Earnings and Raises Annual Dividend Payout

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 Advances Share Buyback, Repurchasing Nearly 10 Million Shares

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 Executes ¥10.3 Billion Share Buyback via ToSTNeT-3

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 Launches ¥10.26 Billion Share Buyback via ToSTNeT-3

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 Reports Ongoing Progress in Share Buyback Program

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.

Yokohama Financial Group Boosts Earnings and Dividends Forecasts for FY 2026

Yokohama Financial Group, Inc. has revised its earnings and dividends forecasts for the fiscal year ending March 31, 2026, reflecting positive trends in business performance. The company anticipates an increase in net interest income and net fees and commissions, leading to a 4.1% rise in ordinary profit and a 7.9% increase in profit attributable to owners of the parent. Consequently, the annual dividends per share are expected to rise from ¥34.00 to ¥37.00, indicating a strong financial outlook.

The most recent analyst rating on (JP:7186) stock is a Buy with a Yen1249.00 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 Reports Strong Financial Performance and Dividend Increase

Yokohama Financial Group reported a significant increase in its financial performance for the six months ending September 30, 2025, with a notable rise in ordinary income and profit attributable to owners. The company also announced a revision in its dividend forecasts, indicating a dividend increase for the fiscal year ending March 31, 2026. This reflects a strong financial position and a positive outlook for stakeholders.

The most recent analyst rating on (JP:7186) stock is a Buy with a Yen1249.00 price target. To see the full list of analyst forecasts on Concordia Financial Group stock, see the JP:7186 Stock Forecast page.