San ju San Financial Group, Inc. (JP:7322)
:7322
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San ju San Financial Group, Inc.
(7322)
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Rating:73Outperform
Price Target:
¥1,892.00
▼(-59.36% Downside)
Action:Reiterated
Date:05/17/26
The score is driven mainly by improving profitability but constrained by inconsistent cash-flow history and only modest ROE. Technicals are supportive with a clear uptrend and healthy (not overbought) momentum, while valuation is attractive with a low P/E and a moderate dividend yield.
Positive Factors
Earnings and margin improvement
Sustained improvement in margins and earnings into 2026 reflects structurally better operating performance, likely from pricing, cost control or business mix. That improvement increases durable profitability and cash conversion potential versus prior weaker years, supporting funding and reinvestment over the next 2–6 months.
Negative Factors
Volatile cash generation
Inconsistent operating and free cash flow across years undermines confidence that earnings will reliably translate into distributable cash. This variability constrains durable dividend funding, debt reduction and reinvestment plans and raises execution risk if funding conditions tighten in the next 2–6 months.
Read all positive and negative factors
Positive Factors
Negative Factors
Earnings and margin improvement
Sustained improvement in margins and earnings into 2026 reflects structurally better operating performance, likely from pricing, cost control or business mix. That improvement increases durable profitability and cash conversion potential versus prior weaker years, supporting funding and reinvestment over the next 2–6 months.
Read all positive factors
San ju San Financial Group, Inc. (7322) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥181.77B
Dividend Yield2.96%
Average Volume (3M)62.76K
Price to Earnings (P/E)12.1
Beta (1Y)1.16
Revenue Growth21.41%
EPS Growth42.73%
CountryJP
Employees2,431
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)85.11
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
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
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San ju San Financial Group, Inc. Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
60
Neutral
Cash Flow
44
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 62.42B | 76.78B | 60.79B | 54.16B | 51.54B | 51.97B |
| Gross Profit | 57.62B | 65.28B | 56.03B | 52.39B | 50.05B | 48.70B |
| EBITDA | 11.88B | 20.88B | 16.14B | 14.86B | 13.63B | 9.04B |
| Net Income | 8.86B | 12.35B | 8.65B | 6.91B | 6.33B | 4.91B |
Balance Sheet | ||||||
| Total Assets | 4.56T | 4.58T | 4.51T | 4.43T | 4.29T | 4.64T |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 354.16B | 428.22B | 432.51B | 347.34B | 903.76B |
| Total Debt | 329.86B | 282.55B | 304.16B | 291.39B | 208.16B | 1.09T |
| Total Liabilities | 4.35T | 4.35T | 4.30T | 4.22T | 4.09T | 4.41T |
| Stockholders Equity | 213.51B | 231.13B | 205.97B | 213.11B | 194.66B | 229.30B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 16.82B | 0.00 | 0.00 | -384.83B | 371.65B |
| Operating Cash Flow | 0.00 | 18.55B | 0.00 | 0.00 | -382.47B | 373.67B |
| Investing Cash Flow | 0.00 | -129.77B | -11.67B | 23.39B | -143.94B | -5.05B |
| Financing Cash Flow | 0.00 | 37.19B | 43.26B | 57.24B | -32.29B | -2.25B |
San ju San Financial Group, Inc. Technical Analysis
Positive
4655.00
Price Trends
1590.83
Positive
1443.32
Positive
1170.61
Positive
Market Momentum
37.95
Negative
56.28
Neutral
37.33
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 4655 is above the 20-day moving average (MA) of 1653.80, above the 50-day MA of 1590.83, and above the 200-day MA of 1170.61, indicating a bullish trend. The MACD of 37.95 indicates Negative momentum. The RSI at 56.28 is Neutral, neither overbought nor oversold. The STOCH value of 37.33 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
73 Outperform | ¥181.77B | 12.13 | ― | 2.96% | 21.41% | 42.73% | |
72 Outperform | ¥196.10B | 13.06 | ― | 2.23% | 31.23% | 66.11% | |
70 Outperform | ¥177.45B | 13.36 | 3.68% | 2.26% | 23.47% | 44.30% | |
68 Neutral | ¥169.95B | 9.78 | ― | 2.63% | 5.33% | 14.43% | |
68 Neutral | ¥192.81B | 15.92 | ― | 2.56% | 42.06% | 29.62% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | ¥174.91B | 10.12 | ― | 2.29% | 9.41% | 45.91% |
* Financial Sector Average
JP:7322
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San ju San Financial Group, Inc. Corporate Events
San ju San Financial Group Launches Employee Stock Ownership Plan to Align Staff Incentives
May 15, 2026
San ju San Financial Group has approved the introduction of an Employee Stock Ownership Plan (J-ESOP) for staff at its core banking subsidiary to better align employee remuneration with the company’s share performance and medium- to long-ter...
San ju San Financial Group Lifts Year-End Dividend, Targets 30% Payout
May 15, 2026
San ju San Financial Group has approved a higher year-end dividend of ¥80 per share for the fiscal year ended March 31, 2026, up from a prior forecast of ¥64 and ¥63 a year earlier, lifting total annual dividends to ¥144 per sh...
San ju San Financial Group Lifts Earnings, Raises Dividend and Projects Further Profit Growth
May 15, 2026
San ju San Financial Group reported strong earnings for the fiscal year ended March 31, 2026, with ordinary income rising 25.2% to ¥93.8 billion and profit attributable to owners of parent climbing 42.7% to ¥12.3 billion, supported by im...
San ju San Financial Group Moves Toward Integration Deal with Aichi Financial Group
May 13, 2026
San ju San Financial Group said that recent media reports about an imminent business integration with Aichi Financial Group were not based on any company announcement. The board has now approved entering into a basic agreement on a potential integ...
Aichi and San ju San Financial Groups Sign Basic Deal for Regional Merger
May 13, 2026
Aichi Financial Group and San ju San Financial Group have agreed to pursue a business integration via merger, signing a basic agreement after board approvals at both institutions. The planned integration seeks to combine their strengths as regiona...
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.