Daishi Hokuetsu Financial Group, Inc. (7327) AI Stock Analysis

• Market Cap: ¥449.55B
• Dividend Yield: 3.23%
• Average Volume (3M): 572.47K
• Price to Earnings (P/E): 11.4
• Beta (1Y): 1.02
• Revenue Growth: 12.71%
• EPS Growth: 71.94%
• Country: JP
• Employees: 3,549
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 38.23
• Shares Outstanding: 275,657,870
• 10 Day Avg. Volume: 588,370
• 30 Day Avg. Volume: 572,466
• PEG Ratio: 0.23
• Price to Book (P/B): 0.58
• Price to Sales (P/S): 1.51
• P/FCF Ratio: 2.97
• 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
• EPS Forecast (FY): 20,579.08
• Revenue Forecast (FY): ¥17.93T

• Rating: 79 Outperform
• Price Target: ¥1,855.00 ▲(28.55% Upside)

The overall stock score of 79.1 reflects strong financial performance and technical analysis. The company's solid profitability and financial structure, coupled with bullish technical indicators, are the primary drivers of the score. The reasonable valuation further supports the stock's attractiveness. However, potential overbought conditions and cash flow volatility are areas to monitor.

Positive Factors

Revenue Growth

Significant revenue growth indicates a robust business model and strong market demand, supporting long-term expansion and profitability.

Profitability

Consistent margin expansion reflects efficient cost management and pricing power, enhancing long-term financial health and shareholder value.

Balance Sheet Health

A solid balance sheet with manageable debt levels ensures financial stability and flexibility to pursue growth opportunities.

Negative Factors

Cash Flow Volatility

Inconsistent cash flow conversion can impact liquidity management, posing risks to financial stability and operational flexibility.

Leverage Risks

High liabilities may increase financial risk, potentially affecting the company's ability to finance operations and invest in growth.

Revenue Fluctuations

Revenue instability can challenge forecasting and strategic planning, impacting long-term growth prospects and investor confidence.

Daishi Hokuetsu Financial Group, Inc. Business Overview & Revenue Model

Company Description

Daishi Hokuetsu Financial Group, Inc. (7327) is a prominent financial services company based in Japan, primarily engaged in providing a wide range of financial products and services. The company operates in several sectors, including banking, asset management, and insurance. Its core offerings include retail banking services, corporate banking solutions, investment advisory, and insurance products, catering to both individual and corporate clients in the region.

How the Company Makes Money

Daishi Hokuetsu Financial Group generates revenue through multiple streams, with its primary income derived from interest income generated from loans and deposits in its banking operations. Additionally, the company earns fees and commissions from investment management services and advisory roles, as well as from the sale of insurance products. The diversification of its services allows the company to mitigate risks and capitalize on various market opportunities. Strategic partnerships with other financial institutions and businesses further enhance its service offerings and customer reach, contributing significantly to its overall earnings.

Daishi Hokuetsu Financial Group, Inc. Financial Statement Overview

Summary

Daishi Hokuetsu Financial Group, Inc. exhibits strong profitability and a solid financial structure, supported by healthy income statement metrics and a stable balance sheet. Although there are concerns regarding cash flow volatility, the overall financial health remains robust, with ongoing improvements in profitability and equity management. The company should focus on stabilizing cash flows to enhance financial resilience.

Income Statement

The income statement shows strong performance with expanding gross and net profit margins over the years. The gross profit margin has consistently been high, indicating efficient cost management. There is a positive trend in net income, demonstrating the company's growing profitability. The revenue growth rate from the previous year was significant, suggesting a robust business model. However, fluctuations in revenue over the years need attention.

Balance Sheet

The balance sheet reflects a strong equity position with a manageable debt-to-equity ratio, highlighting financial stability. The return on equity is improving, indicating effective utilization of equity. However, the total liabilities are high, suggesting potential leverage-related risks. The equity ratio is stable, underscoring a solid capital structure.

Cash Flow

The cash flow statement indicates volatility in operating cash flow, with recent negative figures raising concerns. Free cash flow has shown a positive trend after recovering from previous negative figures, which is promising. The operating cash flow to net income ratio suggests some inconsistency in converting income to cash, which might affect liquidity management.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	148.81B	182.83B	170.53B	140.49B	127.50B	134.08B
Gross Profit	148.81B	141.31B	135.79B	128.35B	125.22B	130.96B
EBITDA	38.81B	48.20B	36.84B	31.91B	30.30B	23.96B
Net Income	31.39B	29.35B	21.20B	17.77B	15.14B	10.79B
Balance Sheet
Total Assets	10.85T	10.98T	11.14T	10.52T	10.67T	9.71T
Cash, Cash Equivalents and Short-Term Investments	0.00	2.15T	2.23T	2.03T	2.76T	2.06T
Total Debt	1.52T	985.86B	1.18T	911.18B	1.36T	663.80B
Total Liabilities	10.36T	10.50T	10.64T	10.10T	10.24T	9.25T
Stockholders Equity	491.93B	478.86B	499.88B	415.42B	428.46B	435.36B
Cash Flow
Free Cash Flow	0.00	92.97B	289.30B	-343.80B	794.86B	895.20B
Operating Cash Flow	0.00	95.07B	294.42B	-338.48B	797.68B	903.60B
Investing Cash Flow	0.00	186.55B	-90.17B	-380.78B	-85.51B	-78.52B
Financing Cash Flow	0.00	-9.43B	-10.51B	-8.05B	-8.94B	-5.50B

Daishi Hokuetsu Financial Group, Inc. Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 1443.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:7327, the sentiment is Positive. The current price of 1443 is below the 20-day moving average (MA) of 1588.20, below the 50-day MA of 1509.46, and above the 200-day MA of 1207.89, indicating a bullish trend. The MACD of 43.00 indicates Positive momentum. The RSI at 60.72 is Neutral, neither overbought nor oversold. The STOCH value of 25.29 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:7327.

Daishi Hokuetsu Financial Group, Inc. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
7327	79 Outperform	¥449.55B	11.41	―	3.23%	12.71%	71.94%
8418	77 Outperform	$356.41B	9.48	6.09%	3.01%	5.87%	50.22%
8377	75 Outperform	¥467.28B	10.45	―	1.46%	28.83%	105.24%
7180	75 Outperform	$413.85B	11.16	4.93%	2.06%	12.96%	44.62%
8366	74 Outperform	¥293.34B	14.73	―	1.51%	15.79%	78.27%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
5832	63 Neutral	¥429.73B	13.86	―	3.07%	9.27%	19.72%

Daishi Hokuetsu Financial Group, Inc. Corporate Events

Daishi Hokuetsu Financial Group Reports Robust Growth in H1 2025

Daishi Hokuetsu Financial Group, Inc. reported significant growth in its financial performance for the six months ended September 30, 2025, with ordinary income increasing by 48.2% and ordinary profit by 56.8% compared to the previous year. The company also announced a stock split and dividend payments, reflecting its strong financial health and commitment to shareholder returns.

Daishi Hokuetsu Financial Group Revises Earnings and Dividend Forecasts Upward

Daishi Hokuetsu Financial Group, Inc. has announced an upward revision of its earnings and dividend forecasts for the fiscal year ending March 2026. The revisions are attributed to a higher than expected interest margin, driven by increased business loans and improved returns on securities, which are expected to positively impact the company’s financial performance and shareholder value.