Concordia Financial Group (7186) AI Stock Analysis

• Market Cap: $1.26T
• Dividend Yield: 3.07%
• Average Volume (3M): 2.88M
• Price to Earnings (P/E): 14.5
• Beta (1Y): 1.19
• Revenue Growth: 13.73%
• EPS Growth: 28.01%
• Country: JP
• Employees: 5,815
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 23.68
• Shares Outstanding: 1,144,616,100
• 10 Day Avg. Volume: 3,021,340
• 30 Day Avg. Volume: 2,879,040
• PEG Ratio: 0.54
• Price to Book (P/B): 0.88
• Price to Sales (P/S): 3.53
• P/FCF Ratio: 33.64
• Enterprise Value/Market Cap: -0.28
• Enterprise Value/Revenue: -1.04
• Enterprise Value/Gross Profit: -1.04
• Enterprise Value/Ebitda: -2.62
• 1Y Price Target: $1,330.02
• Price Target Upside: 23.84% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

• Rating: 72 Outperform
• Price Target: ¥1,249.00 ▲(16.29% Upside)

Concordia Financial Group's stock score is driven by strong technical momentum and fair valuation. While financial performance shows profitability and improved leverage, challenges in revenue growth and cash conversion efficiency are concerns. The absence of earnings call data and corporate events limits additional insights.

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 key streams, primarily from interest income earned on loans and investments, as well as fees and commissions from various financial services. The banking division contributes significantly to the revenue by providing loans to consumers and businesses, which are a primary source of interest income. Additionally, the company earns fees from asset management services, insurance premiums from its insurance offerings, and transaction fees from banking services. Strategic partnerships with other financial institutions and service providers further enhance its product offerings and distribution channels, contributing to its overall earnings. The company's focus on expanding its customer base and improving service efficiency also plays a crucial role in maximizing profitability.

Concordia Financial Group Financial Statement Overview

Summary

Concordia Financial Group demonstrates strong profitability with a high net profit margin and 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 cash conversion efficiency needs enhancement.

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	320.94B	340.71B	296.11B	270.30B	268.89B
Gross Profit	336.40B	320.94B	291.48B	266.86B	268.37B	250.76B
EBITDA	133.78B	131.69B	104.66B	93.68B	92.31B	44.01B
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: Neutral
• Last Price: 1074.00
• 50DMA: Negative
• 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 Neutral. The current price of 1074 is below the 20-day moving average (MA) of 1112.34, below the 50-day MA of 1104.47, and above the 200-day MA of 946.40, indicating a neutral trend. The MACD of -2.82 indicates Positive momentum. The RSI at 42.97 is Neutral, neither overbought nor oversold. The STOCH value of 40.70 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral 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	74 Outperform	¥1.09T	14.27	―	3.06%	-1.35%	24.12%
8331	73 Outperform	¥1.02T	13.36	6.63%	2.80%	11.33%	20.11%
7186	72 Outperform	$1.26T	14.50	6.86%	3.07%	13.73%	28.01%
5844	71 Outperform	¥894.97B	27.28	―	2.17%	19.01%	-1.89%
7167	71 Outperform	¥787.17B	14.26	―	2.37%	13.30%	40.85%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
8354	61 Neutral	$827.07B	11.00	7.77%	3.65%	10.63%	12.90%

Concordia Financial Group Corporate Events

Concordia Financial Group Unveils Share-Based Compensation Plan

Concordia Financial Group has announced the introduction of a share-based compensation plan for management employees at The Bank of Yokohama, using an ESOP trust structure. This initiative is part of the company’s strategy to enhance corporate value and encourage employee growth and innovation by aligning their interests with long-term company performance.

Concordia Financial Group Revamps Executive Compensation System

Concordia Financial Group announced a revision to its executive compensation system, effective from July 2025, aimed at promoting sustainable growth and improving corporate value. The changes include increasing the ratio of stock compensation and short-term performance-linked incentives to 50% for executive directors, enhancing value sharing with shareholders, and strengthening governance by involving outside directors in the compensation determination process. These revisions are part of a broader strategy to align incentives with business performance and shareholder interests, impacting the group’s operations and governance structure.

Concordia Financial Group Increases Dividend Forecast for FY 2025

Concordia Financial Group has announced a revision in its dividend forecast for the fiscal year ending March 31, 2025, increasing the year-end dividend per share from 14 yen to 16 yen. This decision reflects the company’s strategy to enhance shareholder returns through progressive dividends and a flexible share acquisition policy, aiming for a dividend payout ratio of approximately 40%.

Concordia Financial Group to Retire 23 Million Shares

Concordia Financial Group has announced a resolution to retire 23 million of its own common shares, representing 1.96% of its outstanding shares. This action, scheduled for completion by March 10, 2025, will reduce the total number of shares outstanding to approximately 1.14 billion, potentially impacting the company’s stock value and shareholder equity.

Concordia Financial Group Reports Q3 2024 Capital Ratios

Concordia Financial Group released its capital ratios for the third quarter ending December 31, 2024, showing stable financial position with slight decreases in total, Tier 1, and common equity Tier 1 capital ratios. The report highlights the company’s risk-weighted assets increase and a minor reduction in total capital, indicating a steady approach in managing capital adequacy and financial health.

Concordia Financial Group Reports Strong Financial Performance for 2024

Concordia Financial Group reported a significant increase in its financial performance for the nine months ended December 31, 2024, with ordinary income and profit attributable to owners of the parent increasing by 10.3% and 16.3% respectively, compared to the same period in 2023. This demonstrates the company’s strengthened financial position and indicates a positive outlook for stakeholders, as reflected in the unchanged earnings forecasts for the fiscal year ending March 31, 2025.