Concordia Financial Group (7186) AI Stock Analysis

• Market Cap: $1.60T
• Dividend Yield: 2.54%
• Average Volume (3M): 2.90M
• Price to Earnings (P/E): 17.2
• Beta (1Y): 1.26
• Revenue Growth: 19.38%
• EPS Growth: 29.95%
• Country: JP
• Employees: 5,815
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 24.56
• 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: 0.28
• Enterprise Value/Revenue: 1.33
• Enterprise Value/Gross Profit: 1.33
• Enterprise Value/Ebitda: 3.35
• 1Y Price Target: $1,532.03
• Price Target Upside: 9.12% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 6
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 69 Neutral
• Price Target: ¥1,536.00 ▲(9.40% Upside)

Concordia Financial Group's overall stock score is driven by strong financial performance, particularly in profitability and leverage management. The technical analysis indicates bullish momentum, but caution is advised due to overbought signals. The valuation is attractive with a reasonable P/E ratio and a solid dividend yield.

Positive Factors

Diversified business model

Concordia's mix of retail banking, insurance and asset management creates multiple durable revenue streams and cross-sell opportunities. This diversity reduces reliance on any single market cycle, supports stable fee and interest income, and enhances resilience across economic shifts.

Improved leverage management

A declining debt-to-equity ratio signals stronger balance-sheet management and lower financial risk. Sustained deleveraging improves capital flexibility for lending, investment or shareholder returns, and reduces vulnerability to interest-rate or credit shocks over the medium term.

Strong free cash flow conversion

High free cash flow relative to net income indicates the business can convert profits into cash, supporting dividends, reinvestment and debt reduction. This durable cash generation capacity enhances financial options and buffers the company against cyclical earnings volatility.

Negative Factors

Low return on equity

An ROE around 6.4% suggests limited efficiency in converting equity into profits versus peers. Persistently low ROE can constrain long‑term shareholder value creation, limit retained-earnings growth, and force reliance on asset growth rather than margin improvement to boost returns.

Weak revenue trend

Declining top-line is a structural concern for a financial services group: it reduces scale benefits, pressures leverage of fixed costs, and complicates margin expansion. Without sustained revenue recovery, long-term profit growth and investment capacity may be impaired.

Poor operating cash conversion

A very low operating-cash-to-net-income ratio indicates earnings are not translating into operating cash, raising questions about earnings quality. Over time this weak cash conversion can limit capacity to fund loans, pay dividends, or absorb losses without external financing.

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

Concordia Financial Group demonstrates strong profitability with improved leverage management. However, negative revenue growth and low return on equity suggest challenges in sustaining growth and generating shareholder value. The cash flow position has improved, but further enhancement in cash conversion efficiency is needed.

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	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
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: 1404.00
• 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 1404 is above the 20-day moving average (MA) of 1382.45, above the 50-day MA of 1311.36, and above the 200-day MA of 1084.65, indicating a bullish trend. The MACD of 26.17 indicates Positive momentum. The RSI at 60.52 is Neutral, neither overbought nor oversold. The STOCH value of 49.48 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
5831	73 Outperform	¥1.37T	15.86	―	3.04%	9.16%	29.12%
8331	72 Outperform	¥1.49T	18.30	6.56%	2.62%	15.86%	24.81%
5844	71 Outperform	¥1.09T	24.65	―	2.04%	18.13%	27.43%
7167	69 Neutral	¥1.01T	16.01	―	2.00%	18.45%	41.89%
7186	69 Neutral	$1.60T	17.16	6.87%	2.54%	19.38%	29.95%
8354	68 Neutral	¥1.08T	13.84	7.39%	3.06%	12.77%	9.22%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

Concordia Financial Group Corporate Events

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.