San ju San Financial Group, Inc. (7322) AI Stock Analysis

• Market Cap: ¥93.80B
• Dividend Yield: 2.77%
• Average Volume (3M): 65.64K
• Price to Earnings (P/E): 10.6
• Beta (1Y): 1.00
• Revenue Growth: 15.39%
• EPS Growth: 24.95%
• Country: JP
• Employees: 2,431
• Sector: Financial
• Sector Strength: 78
• Industry: Banks - Regional
• EPS (TTM): 107.17
• Shares Outstanding: 26,167,585
• 10 Day Avg. Volume: 58,320
• 30 Day Avg. Volume: 65,640
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: ¥4,137.00
• Price Target Upside: 14.76% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 0

• Rating: 77 Outperform
• Price Target: ¥4,137.00 ▲(14.76% Upside)

San ju San Financial Group's stock is rated highly due to its strong technical momentum and attractive valuation. The financial performance is solid, with robust revenue and profit growth, although there are some concerns about debt reliance. The lack of earnings call and corporate events data did not impact the score.

San ju San Financial Group, Inc. Business Overview & Revenue Model

Company Description

San ju San Financial Group, Inc. (7322) is a diversified financial services company that offers a wide array of products and services including investment management, wealth planning, insurance solutions, and financial advisory services. Operating primarily in the financial sector, the company caters to both individual and institutional clients, aiming to provide tailored financial strategies that meet the unique needs of their customers. San ju San Financial Group prides itself on its expertise in navigating complex financial landscapes and delivering value through innovative solutions and personalized service.

How the Company Makes Money

San ju San Financial Group generates revenue through multiple key streams. Primarily, the company earns fees from asset management services, where it manages investment portfolios for clients and charges a percentage of the assets under management. Additionally, the company provides financial advisory services, earning commissions and advisory fees for guiding clients in their investment decisions and wealth management strategies. Insurance solutions also contribute to the company's revenue, as it sells various insurance products and earns premiums. Significant partnerships with financial institutions and technology platforms enhance its service offerings and expand its client base, further driving revenue growth.

San ju San Financial Group, Inc. Financial Statement Overview

Summary

San ju San Financial Group demonstrates strong revenue and profit growth, supported by improved cash flow generation. While the company maintains a stable balance sheet, the reliance on debt financing poses a potential risk. Overall, the financial statements reflect a robust financial position with opportunities for operational improvements and careful debt management.

Income Statement

San ju San Financial Group has shown a solid revenue growth rate of 6.96% in the latest year, indicating a positive trajectory. The net profit margin improved to 15.40%, reflecting enhanced profitability. However, the EBIT margin decreased slightly, suggesting some operational challenges. Overall, the income statement reflects strong growth and profitability, but with room for operational efficiency improvements.

Balance Sheet

The company's debt-to-equity ratio stands at 1.48, indicating a moderate level of leverage, which is typical for the banking industry. Return on equity improved to 4.20%, showing better utilization of equity. However, the equity ratio is relatively low, suggesting a higher reliance on debt financing. The balance sheet shows stability with some leverage concerns.

Cash Flow

The free cash flow has shown significant growth, indicating improved cash generation capabilities. The operating cash flow to net income ratio is strong at 2.98, highlighting efficient cash conversion. However, past negative cash flows indicate potential volatility. Overall, the cash flow statement reflects strong cash generation with some historical fluctuations.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	69.98B	70.72B	63.72B	62.66B	67.02B	72.32B
Gross Profit	65.51B	67.70B	63.72B	62.20B	66.47B	71.50B
EBITDA	10.59B	7.09B	14.86B	13.63B	9.04B	9.42B
Net Income	8.65B	8.65B	6.90B	6.33B	4.91B	4.18B
Balance Sheet
Total Assets	4.51T	4.51T	4.43T	4.29T	4.64T	4.31T
Cash, Cash Equivalents and Short-Term Investments	428.22B	428.22B	432.51B	347.34B	903.76B	535.49B
Total Debt	304.16B	304.16B	291.39B	208.16B	578.13B	243.49B
Total Liabilities	4.30T	4.30T	4.22T	4.09T	4.41T	4.07T
Stockholders Equity	205.97B	205.97B	213.11B	194.66B	229.30B	238.11B
Cash Flow
Free Cash Flow	0.00	39.80B	-8.18B	-384.83B	371.65B	-6.04B
Operating Cash Flow	0.00	42.27B	-4.75B	-382.47B	373.67B	-2.66B
Investing Cash Flow	0.00	-11.67B	23.39B	-143.94B	-5.05B	52.87B
Financing Cash Flow	0.00	43.26B	57.24B	-32.29B	-2.25B	226.41B

San ju San Financial Group, Inc. Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 3605.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:7322, the sentiment is Positive. The current price of 3605 is above the 20-day moving average (MA) of 3491.50, above the 50-day MA of 3288.62, and above the 200-day MA of 2535.74, indicating a bullish trend. The MACD of 97.78 indicates Negative momentum. The RSI at 63.70 is Neutral, neither overbought nor oversold. The STOCH value of 70.11 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:7322.

San ju San Financial Group, Inc. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
7184	79 Outperform	¥82.91B	8.05		2.61%	25.33%	5.53%
7322	77 Outperform	¥93.80B	10.59		2.77%	15.39%	24.95%
8346	75 Outperform	¥100.32B	11.72		2.26%	25.01%	51.67%
7350	74 Outperform	¥79.29B	9.01		2.69%	8.97%	36.69%
8360	73 Outperform	¥98.97B	12.14		2.46%	8.18%	25.89%
Sector *	68 Neutral	$17.89B	11.95	10.28%	3.72%	9.74%	1.61%
8337	67 Neutral	¥89.75B	10.63		0.66%	6.57%	13.25%