San ju San Financial Group, Inc. (JP:7322)
:7322
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San ju San Financial Group, Inc.
(7322)
Select Model
Select Model
Rating:71Outperform
Price Target:
¥6,232.00
▲(33.88% Upside)
Action:ReiteratedDate:03/05/26
The score is driven primarily by solid financial performance (growth, profitability, and strong cash conversion), supported by attractive valuation (low P/E and a moderate dividend yield). Technicals are the main offset, showing weaker short-term trend versus the 20-day average despite a still-supportive longer-term uptrend and neutral momentum.
Positive Factors
Revenue Growth Momentum
Sustained revenue growth and a higher net profit margin indicate the company is expanding core banking income while improving profitability. These trends support durable earnings power, better internal capital generation and resilience across economic cycles over the next several months.
Negative Factors
Moderate Leverage
A D/E ratio near 1.5 and a low equity ratio imply material reliance on debt financing. In a regional banking context this raises sensitivity to funding stress or credit cycles, constraining strategic flexibility and increasing long-term capital risk if losses or rate shocks occur.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth Momentum
Sustained revenue growth and a higher net profit margin indicate the company is expanding core banking income while improving profitability. These trends support durable earnings power, better internal capital generation and resilience across economic cycles over the next several months.
Read all positive factors
San ju San Financial Group, Inc. (7322) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥173.20B
Dividend Yield2.96%
Average Volume (3M)62.76K
Price to Earnings (P/E)7.2
Beta (1Y)1.09
Revenue Growth14.85%
EPS Growth21.17%
CountryJP
Employees2,431
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)38.18
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)0.30
Price to Sales (P/S)1.01
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
San ju San Financial Group, Inc. Business Overview & Revenue Model
Company Description
San ju San Financial Group,Inc. provides various banking products and services. It operates in two segments, Banking and Leasing. The Banking segment offers deposit products; government bond/investment trust products; and lending, domestic and for...
How the Company Makes Money
San ju San Financial Group, Inc. generates revenue through multiple streams, primarily from fees associated with asset management and financial advisory services. The company charges management fees based on the assets under management (AUM) for i...
San ju San Financial Group, Inc. Financial Statement Overview
Summary
Income Statement
75
Positive
Balance Sheet
65
Positive
Cash Flow
70
Positive
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 62.42B | 60.79B | 54.16B | 51.54B | 51.97B | 61.02B |
| Gross Profit | 57.62B | 56.03B | 52.39B | 50.05B | 48.70B | 49.50B |
| EBITDA | 11.88B | 16.14B | 14.86B | 13.63B | 9.04B | 9.42B |
| Net Income | 8.86B | 8.65B | 6.91B | 6.33B | 4.91B | 4.18B |
Balance Sheet | ||||||
| Total Assets | 4.56T | 4.51T | 4.43T | 4.29T | 4.64T | 4.31T |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 428.22B | 432.51B | 347.34B | 903.76B | 535.49B |
| Total Debt | 329.86B | 304.16B | 291.39B | 208.16B | 1.09T | 406.52B |
| Total Liabilities | 4.35T | 4.30T | 4.22T | 4.09T | 4.41T | 4.07T |
| Stockholders Equity | 213.51B | 205.97B | 213.11B | 194.66B | 229.30B | 238.11B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 0.00 | 0.00 | -384.83B | 371.65B | 0.00 |
| Operating Cash Flow | 0.00 | 0.00 | 0.00 | -382.47B | 373.67B | 0.00 |
| 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
Positive
4655.00
Price Trends
1463.12
Positive
1261.15
Positive
1047.41
Positive
Market Momentum
39.36
Negative
63.00
Neutral
87.71
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 4655 is above the 20-day moving average (MA) of 1515.07, above the 50-day MA of 1463.12, and above the 200-day MA of 1047.41, indicating a bullish trend. The MACD of 39.36 indicates Negative momentum. The RSI at 63.00 is Neutral, neither overbought nor oversold. The STOCH value of 87.71 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
75 Outperform | ¥169.29B | 7.55 | ― | 2.29% | 13.93% | 54.44% | |
72 Outperform | ¥161.38B | 8.04 | 3.68% | 2.26% | 9.34% | 20.61% | |
72 Outperform | ¥166.14B | 8.80 | ― | 2.63% | 23.55% | -21.15% | |
71 Outperform | ¥173.20B | 7.21 | ― | 2.96% | 14.85% | 21.17% | |
69 Neutral | ¥185.14B | 9.79 | ― | 2.56% | 17.66% | 49.06% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | ¥177.20B | 9.13 | ― | 2.23% | 29.06% | 40.95% |
* Financial Sector Average
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San ju San Financial Group, Inc. Corporate Events
San ju San Financial Group to Execute 4-for-1 Share Split and Revise Shareholder Benefits
Feb 6, 2026
San ju San Financial Group, Inc. will implement a four-for-one split of its common shares, effective April 1, 2026, to lower the per-investment unit price, improve share liquidity and broaden its investor base, increasing issued shares from 26,167...
San ju San Financial Group Delivers Strong Nine-Month Earnings and Confirms Higher Dividend for FY2025/26
Feb 6, 2026
San ju San Financial Group reported strong consolidated results for the nine months ended December 31, 2025, with ordinary income rising 26.5% year-on-year to ¥69.0 billion, ordinary profit up 30.1% to ¥12.7 billion, and profit attributa...
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.