Want to see JP:7322 full AI Analyst Report?
7322 Stock Chart & Stats
¥4655.00
¥16.00(0.70%)
At close: 4:00 PM EST
¥4655.00
¥16.00(0.70%)
Day’s Range― - ―
52-Week Range¥832.50 - ¥2,074.00
Previous CloseN/A
Volume83.30K
Average Volume (3M)62.76K
Market Cap
¥199.64B
Enterprise Value¥112.15K
Total Cash (Recent Filing)¥354.12B
Total Debt (Recent Filing)¥282.55B
Price to Earnings (P/E)16.6
Beta1.08
Next Earnings
Nov 06, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield1.88%
Share Statistics
EPS (TTM)118.66
Shares Outstanding104,670,340
10 Day Avg. Volume70,050
30 Day Avg. Volume62,756
Financial Highlights & Ratios
PEG Ratio0.28
Price to Book (P/B)0.65
Price to Sales (P/S)1.95
P/FCF Ratio8.91
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
Bulls Say, Bears Say
Bulls Say
Earnings & MarginsImproved earnings and margins into 2026 indicate the company achieved operating leverage and better core profitability. Sustained margin improvement supports cash generation, strengthens ability to absorb shocks, and underpins durable improvement in capital generation and reinvestment over the next 2–6 months.
Revenue Re-accelerationA sharp re-acceleration of revenue in 2026 provides stronger top-line momentum that increases scale and improves visibility of core business activity. Sustained revenue growth supports long-term margin resilience, better loan/deposit dynamics, and higher recurring earning power over the medium term.
Improved LeverageMeaningful deleveraging and rising equity materially reduce solvency and refinancing risk. A stronger capital structure gives the bank more durable flexibility for lending, absorbing shocks, or returning capital, improving financial resilience over the coming months.
Bears Say
Volatile Cash FlowOperating and free cash flow have been inconsistent, with a very large negative outflow in 2023 despite positive FCF in 2026. This variability weakens confidence in sustainable cash generation, complicates dividend, capex, and loan-growth planning, and poses medium-term funding risk.
Modest ROEROE near mid-single digits limits the company’s ability to generate attractive returns on capital. Modest profitability on the capital base constrains retained-earnings growth and capital accumulation, making it harder to sustainably lift shareholder returns or meet rising capital requirements.
Large, Variable DebtDespite improved D/E, the absolute size and year-to-year variability of total debt increase refinancing and interest-rate sensitivity. Large and shifting debt balances can pressure net interest margins and funding stability if conditions tighten, creating a structural balance-sheet vulnerability.
San ju San Financial Group, Inc. News
7322 FAQ
What was San ju San Financial Group, Inc.’s price range in the past 12 months?
San ju San Financial Group, Inc. lowest stock price was ¥832.50 and its highest was ¥2074.00 in the past 12 months.
What is San ju San Financial Group, Inc.’s market cap?
San ju San Financial Group, Inc.’s market cap is ¥199.64B.
When is San ju San Financial Group, Inc.’s upcoming earnings report date?
San ju San Financial Group, Inc.’s upcoming earnings report date is Nov 06, 2026 which is in 91 days.
How were San ju San Financial Group, Inc.’s earnings last quarter?
San ju San Financial Group, Inc. released its earnings results on Jul 31, 2026. The company reported ¥23.49 earnings per share for the quarter, missing the consensus estimate of N/A by N/A.
Is San ju San Financial Group, Inc. overvalued?
According to Wall Street analysts San ju San Financial Group, Inc.’s price is currently Overvalued.
Does San ju San Financial Group, Inc. pay dividends?
San ju San Financial Group, Inc. pays a Semiannually dividend of ¥22 which represents an annual dividend yield of 1.88%. See more information on San ju San Financial Group, Inc. dividends here
What is San ju San Financial Group, Inc.’s EPS estimate?
San ju San Financial Group, Inc.’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does San ju San Financial Group, Inc. have?
San ju San Financial Group, Inc. has 104,670,340 shares outstanding.
What happened to San ju San Financial Group, Inc.’s price movement after its last earnings report?
San ju San Financial Group, Inc. reported an EPS of ¥23.49 in its last earnings report, missing expectations of N/A. Following the earnings report the stock price went up 3.692%.
Which hedge fund is a major shareholder of San ju San Financial Group, Inc.?
Currently, no hedge funds are holding shares in JP:7322
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Company Description
San ju San Financial Group, Inc.
San ju San Financial Group, Inc. delivers a broad spectrum of financial and banking solutions. The company's operations are structured across two primary divisions: Banking and Leasing. The Banking segment manages deposit accounts, offers investment products such as government bonds and investment trusts, provides lending services, executes domestic and foreign currency exchanges, distributes insurance policies, and handles corporate bond custody and registration. The Leasing division is dedicated to its core leasing activities. Additionally, the group extends its services to include credit card issuance and credit guarantee programs. This enterprise, founded in 1895, maintains its headquarters in Yokkaichi, Japan.
Technical Analysis
Oita Bank
―
First Bank of Toyama Ltd.
―
Toho Bank, Ltd.
―
Yamanashi Chuo Bank, Ltd.
―
Miyazaki Bank Ltd.
―