Concordia Financial Group Ltd (JP:7186)
:7186
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Concordia Financial Group
(7186)
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Rating:64Neutral
Price Target:
¥1,524.00
▲(0.89% Upside)
Action:ReiteratedDate: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
Improved Net Margin
Net margin rising to 25.33% in 2025 from 19.64% in 2024 indicates sustained improvements in cost control and profitable core operations. Higher margins provide durable internal funding for investment, buffers against downturns, and support steady shareholder distributions over the medium term.
Negative Factors
Negative Revenue Growth
A 1.12% revenue decline in 2025 signals weakening top-line momentum. Persistent revenue contraction limits scale economies, constrains long-term profit expansion, and forces reliance on margin improvement or cost cuts to sustain earnings growth, pressuring strategic options over coming quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Improved Net Margin
Net margin rising to 25.33% in 2025 from 19.64% in 2024 indicates sustained improvements in cost control and profitable core operations. Higher margins provide durable internal funding for investment, buffers against downturns, and support steady shareholder distributions over the medium term.
Read all positive factors
Concordia Financial Group (7186) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥1.70T
Dividend Yield2.54%
Average Volume (3M)2.90M
Price to Earnings (P/E)12.2
Beta (1Y)1.36
Revenue Growth20.98%
EPS Growth41.45%
CountryJP
Employees5,815
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)92.30
Shares Outstanding1,144,616,100
10 Day Avg. Volume3,123,790
30 Day Avg. Volume2,904,723
Financial Highlights & Ratios
PEG Ratio0.54
Price to Book (P/B)0.88
Price to Sales (P/S)2.92
P/FCF Ratio4.94
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
¥1,867.50Price Target Upside23.63% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering4
EPS Forecast (FY)110.13
Revenue Forecast (FY)¥340.06B
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
75
Positive
Balance Sheet
65
Positive
Cash Flow
55
Neutral
| 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
Positive
1510.50
Price Trends
1513.27
Negative
1403.64
Positive
1226.49
Positive
Market Momentum
19.38
Negative
53.24
Neutral
59.30
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 above the 20-day moving average (MA) of 1466.16, below the 50-day MA of 1513.27, and above the 200-day MA of 1226.49, indicating a neutral trend. The MACD of 19.38 indicates Negative momentum. The RSI at 53.24 is Neutral, neither overbought nor oversold. The STOCH value of 59.30 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 |
|---|---|---|---|---|---|---|---|
75 Outperform | ¥1.47T | 12.46 | 7.38% | 2.62% | 18.65% | 34.14% | |
75 Outperform | ¥1.28T | 19.77 | ― | 2.04% | 18.33% | 36.24% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | ¥1.23T | 8.94 | 8.24% | 3.06% | 14.78% | 36.69% | |
64 Neutral | ¥1.70T | 12.21 | 7.83% | 2.54% | 20.98% | 41.45% | |
64 Neutral | ¥1.13T | 11.66 | ― | 2.00% | 26.28% | 29.23% | |
62 Neutral | ¥1.50T | 14.17 | ― | 3.04% | 10.07% | 32.63% |
* Financial Sector Average
JP:7186
Concordia Financial Group
1,486.50
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79.37%
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Concordia Financial Group Corporate Events
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...
Yokohama Financial Group Posts Strong Nine-Month Earnings and Raises Annual Dividend Payout
Feb 5, 2026
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 attributa...
Yokohama Financial Group Advances Share Buyback, Repurchasing Nearly 10 Million Shares
Feb 4, 2026
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 repurc...
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.