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

• Market Cap: ¥78.84B
• Dividend Yield: 4.16%
• Average Volume (3M): 56.63K
• Price to Earnings (P/E): 9.1
• Beta (1Y): 1.02
• Revenue Growth: 10.31%
• EPS Growth: 19.79%
• Country: JP
• Employees: 2,431
• Sector: Financial
• Sector Strength: 80
• Industry: Banks - Regional
• EPS (TTM): 79.13
• Shares Outstanding: 26,167,585
• 10 Day Avg. Volume: 49,770
• 30 Day Avg. Volume: 56,626
• PEG Ratio: 0.18
• Price to Book (P/B): 0.21
• Price to Sales (P/S): 0.00
• P/FCF Ratio: -0.11
• 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: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

• Rating: 72 Outperform
• Price Target: ―

San ju San Financial Group, Inc. shows strong financial performance, particularly in profitability and operational efficiency. The valuation is attractive, with a low P/E ratio and a high dividend yield. Technical indicators are mixed, with caution advised due to potential overbought conditions. Improvements in cash flow management could enhance the overall financial health.

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 based in Japan. The company operates across various sectors, including banking, insurance, asset management, and securities services. It provides a wide range of financial products and services tailored to meet the needs of individuals, corporations, and institutional clients, both domestically and internationally.

How the Company Makes Money

San ju San Financial Group, Inc. generates revenue through multiple streams characteristic of a diversified financial services firm. The company earns interest income from its banking operations, which include offering loans and credit products to individuals and businesses. Additionally, it collects premiums and investment income through its insurance subsidiaries. The asset management division contributes to revenue by charging management and performance fees on assets under management. The securities services division generates income through brokerage fees, trading, underwriting, and advisory services. Strategic partnerships and joint ventures in financial technology and international markets also play a role in enhancing the company's profitability and market reach.

San ju San Financial Group, Inc. Financial Statement Overview

Summary

San ju San Financial Group, Inc. demonstrates solid profitability with a strong gross profit margin and effective operational control, as reflected in the EBIT margin. However, improvements in returns on equity and cash flow management are necessary. The balance sheet is well-structured with moderate leverage typical for the banking industry.

Income Statement

San ju San Financial Group, Inc. displays a strong gross profit margin of 92.9% for TTM (Trailing-Twelve-Months), indicating efficient cost management. The net profit margin of 11.4% reflects solid profitability, though slightly below the industry-leading benchmarks. Revenue growth from the previous annual report is moderate at 3.9%, suggesting steady but not rapid expansion. The EBIT margin of 41.3% for TTM highlights effective operational control, while the EBITDA margin is relatively low at 11.9%.

Balance Sheet

The company's debt-to-equity ratio stands at 1.84, indicating moderate leverage for a regional bank, balanced by a strong equity base. Return on equity is relatively low at 3.6% TTM, suggesting room for improvement in generating returns from equity. The equity ratio of 4.6% is typical for banks, reflecting a stable capital structure with an emphasis on liabilities for funding.

Cash Flow

Cash flow figures reveal challenges in generating positive free cash flow, with a TTM free cash flow of zero. The operating cash flow to net income ratio is unavailable due to zero operating cash flow, indicating potential issues in converting income into cash. Historical cash flow volatility and negative free cash flow in previous years highlight operational efficiency concerns that need addressing.

Breakdown	TTM	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021
Income Statement
Total Revenue	66.11B	56.21B	63.72B	62.20B	66.47B	71.50B
Gross Profit	61.42B	0.00	63.72B	62.20B	66.47B	71.50B
EBITDA	13.82B	7.09B	7.80B	13.63B	9.04B	0.00
Net Income	7.53B	8.65B	6.90B	6.33B	4.91B	4.18B
Balance Sheet
Total Assets	4.58T	4.51T	4.43T	4.29T	4.64T	4.31T
Cash, Cash Equivalents and Short-Term Investments	500.63B	0.00	432.51B	347.34B	903.76B	535.49B
Total Debt	386.03B	304.16B	291.39B	208.16B	578.13B	243.49B
Total Liabilities	4.37T	4.30T	4.22T	208.16B	4.41T	4.07T
Stockholders Equity	210.13B	205.97B	213.11B	194.66B	229.30B	238.11B
Cash Flow
Free Cash Flow	0.00	39.80B	-8.74B	-384.83B	369.63B	261.97B
Operating Cash Flow	0.00	42.27B	-4.75B	-382.47B	373.67B	269.31B
Investing Cash Flow	0.00	-102.27B	23.39B	-143.94B	-5.05B	52.87B
Financing Cash Flow	0.00	56.07B	57.24B	-32.29B	-2.25B	226.41B

San ju San Financial Group, Inc. Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 3060.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Negative
• STOCH: Negative

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 3060 is above the 20-day moving average (MA) of 2918.60, above the 50-day MA of 2717.08, and above the 200-day MA of 2208.29, indicating a bullish trend. The MACD of 83.72 indicates Positive momentum. The RSI at 74.04 is Negative, neither overbought nor oversold. The STOCH value of 87.99 is Negative, 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
8316	80 Outperform	¥13.92T	11.90	7.92%	3.46%	5.50%	24.85%
8359	78 Outperform	$583.62B	11.86	4.55%	4.83%	7.20%	31.52%
8331	73 Outperform	¥953.97B	12.81	6.30%	3.29%	9.27%	20.49%
7322	72 Outperform	¥78.84B	9.11		4.16%	10.31%	19.79%
Sector *	67 Neutral	¥713.17B	10.66	7.55%	3.34%	7.97%	15.90%