SBI ARUHI Corporation (JP:7198)
:7198
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SBI ARUHI Corporation
(7198)
Select Model
Select Model
Rating:51Neutral
Price Target:
¥921.00
▲(2.11% Upside)
Action:ReiteratedDate:03/03/26
The score is primarily constrained by financial performance, especially deteriorating cash flow (negative TTM operating cash flow) and higher leverage, which raise balance-sheet and funding risk. Technicals are neutral with mild longer-term support, and valuation is helped by a solid dividend yield but tempered by a mid-range P/E.
Positive Factors
Focused mortgage business & distribution
A dedicated focus on residential mortgages and long-term fixed-rate products combined with a nationwide retail and partner distribution network creates durable origination scale, customer stickiness, and predictable loan flow. This specialization supports consistent core revenue and cross-sell opportunities over multiple business cycles.
Negative Factors
Negative operating cash flow
Material negative operating cash flow and collapsing free cash flow indicate weak cash conversion from earnings, increasing reliance on external funding and raising sustainability concerns. Over months, persistent negative OCF constrains capital allocation, dividend coverage, and the ability to absorb stress in funding markets.
Read all positive and negative factors
Positive Factors
Negative Factors
Focused mortgage business & distribution
A dedicated focus on residential mortgages and long-term fixed-rate products combined with a nationwide retail and partner distribution network creates durable origination scale, customer stickiness, and predictable loan flow. This specialization supports consistent core revenue and cross-sell opportunities over multiple business cycles.
Read all positive factors
SBI ARUHI Corporation (7198) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥38.05B
Dividend Yield4.51%
Average Volume (3M)97.84K
Price to Earnings (P/E)11.4
Beta (1Y)0.76
Revenue Growth4.86%
EPS Growth-10.59%
CountryJP
Employees484
SectorFinancial
Sector Strength70
IndustryFinancial - Mortgages
Share Statistics
EPS (TTM)N/A
Shares Outstanding44,712,170
10 Day Avg. Volume124,020
30 Day Avg. Volume97,843
Financial Highlights & Ratios
PEG Ratio2.14
Price to Book (P/B)0.89
Price to Sales (P/S)0.00
P/FCF Ratio0.00
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)N/A
Revenue Forecast (FY)N/A
SBI ARUHI Corporation Business Overview & Revenue Model
Company Description
ARUHI Corporation operates as a mortgage bank in Japan. It offers housing loans; mortgage lending and brokering; and insurance and bank agency services. The company also develops and operates real estate technologies/services; and provides residen...
How the Company Makes Money
SBI ARUHI Corporation generates revenue through its mortgage banking services, which include originating and servicing home loans. The company earns interest income from the loans it provides to homebuyers and charges fees for loan origination, se...
SBI ARUHI Corporation Financial Statement Overview
Summary
Income Statement
62
Positive
Balance Sheet
44
Neutral
Cash Flow
23
Negative
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 24.77B | 0.00 | 20.41B | 0.00 | 0.00 | 0.00 |
| Gross Profit | 15.01B | -4.65B | 15.78B | -3.56B | -3.55B | -3.16B |
| EBITDA | 5.87B | 8.58B | 4.35B | 9.21B | 11.18B | 12.40B |
| Net Income | 2.05B | 1.90B | 1.52B | 2.82B | 4.24B | 5.18B |
Balance Sheet | ||||||
| Total Assets | 214.67B | 205.68B | 191.35B | 148.62B | 150.71B | 164.76B |
| Cash, Cash Equivalents and Short-Term Investments | 24.08B | 20.15B | 20.42B | 17.17B | 22.23B | 37.40B |
| Total Debt | 117.44B | 179.92B | 151.12B | 102.16B | 95.32B | 134.16B |
| Total Liabilities | 172.55B | 163.52B | 149.40B | 115.88B | 118.83B | 134.67B |
| Stockholders Equity | 41.99B | 42.00B | 42.01B | 32.77B | 31.89B | 30.09B |
Cash Flow | ||||||
| Free Cash Flow | 346.00M | 0.00 | -4.09B | 875.00M | 3.19B | 4.22B |
| Operating Cash Flow | -9.49B | -5.37B | -3.42B | 1.50B | 3.72B | 4.75B |
| Investing Cash Flow | -5.11B | -5.16B | 544.00M | -712.00M | -698.00M | -777.00M |
| Financing Cash Flow | 22.54B | 10.26B | 6.13B | -5.85B | -18.19B | 18.62B |
SBI ARUHI Corporation Technical Analysis
Positive
902.00
Price Trends
869.29
Positive
866.96
Positive
826.68
Positive
Market Momentum
4.25
Negative
59.99
Neutral
95.88
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:7198, the sentiment is Positive. The current price of 902 is above the 20-day moving average (MA) of 846.10, above the 50-day MA of 869.29, and above the 200-day MA of 826.68, indicating a bullish trend. The MACD of 4.25 indicates Negative momentum. The RSI at 59.99 is Neutral, neither overbought nor oversold. The STOCH value of 95.88 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:7198.
SBI ARUHI Corporation Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
84 Outperform | ¥78.61B | 21.69 | ― | 2.02% | 13.52% | 7.75% | |
81 Outperform | ¥25.37B | 17.71 | ― | 2.50% | 16.70% | 22.23% | |
73 Outperform | ¥9.56B | 5.72 | ― | 3.94% | 7.06% | 34.95% | |
72 Outperform | ¥3.15B | 3.97 | ― | 2.04% | 12.86% | -63.06% | |
69 Neutral | ¥439.31B | 16.35 | 14.42% | 4.80% | 10.39% | 12.77% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
51 Neutral | ¥38.05B | 11.37 | ― | 4.51% | 4.86% | -10.59% |
* Financial Sector Average
JP:7198
SBI ARUHI Corporation
866.00
147.92
20.60%
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26.38
17.75%
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1,134.00
374.39
49.29%
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650.00
247.30
61.41%
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eGuarantee, Inc.
1,734.00
44.56
2.64%
SBI ARUHI Corporation Corporate Events
SBI ARUHI lifts nine-month profit but signals weaker full-year earnings
Feb 12, 2026
SBI ARUHI Corporation reported consolidated operating revenue of ¥18.99 billion for the nine months ended December 31, 2025, up 15% year on year, with income before tax rising 8.3% to ¥2.50 billion. Net income attributable to owners of t...
SBI ARUHI Posts Higher Revenue and Earnings on Strong Recurring and Real Estate-Linked Income
Feb 3, 2026
SBI ARUHI Corporation released preliminary consolidated results for the nine months to 31 December 2025, reporting a 15.0% year-on-year rise in operating revenue to ¥18,985 million and a 9.5% increase in net income attributable to owners of t...
SBI ARUHI to Acquire RISA RT Asset Management & Loan Services and Make It a Subsidiary
Dec 26, 2025
SBI ARUHI Corporation has signed a definitive share transfer agreement to acquire all shares of RISA RT Asset Management Loan Services Corporation from RISA Partners, Inc., converting the servicing specialist into a wholly owned subsidiary and sl...
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.