Daishi Hokuetsu Financial Group, Inc. (JP:7327)
:7327
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Daishi Hokuetsu Financial Group, Inc.
(7327)
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Select Model
Rating:79Outperform
Price Target:
¥2,190.00
▲(51.77% Upside)
Action:ReiteratedDate:11/30/25
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
Business model stability
Daishi Hokuetsu’s core regional banking model—deposit taking, lending and settlement/payment services—generates predictable net interest income and recurring fee revenue. This diversified-but-bank-centric mix supports stable cash generation, customer stickiness and long-term franchise resilience in its regional market.
Negative Factors
Operating cash flow volatility
Intermittent negative operating cash flows and an inconsistent conversion of accounting income to cash create liquidity management risks. Over 2–6 months this can constrain funding for lending growth, force reliance on wholesale funding, and complicate capital allocation decisions.
Read all positive and negative factors
Positive Factors
Negative Factors
Business model stability
Daishi Hokuetsu’s core regional banking model—deposit taking, lending and settlement/payment services—generates predictable net interest income and recurring fee revenue. This diversified-but-bank-centric mix supports stable cash generation, customer stickiness and long-term franchise resilience in its regional market.
Read all positive factors
Daishi Hokuetsu Financial Group, Inc. (7327) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥539.23B
Dividend Yield3.15%
Average Volume (3M)610.04K
Price to Earnings (P/E)9.6
Beta (1Y)0.99
Revenue Growth12.71%
EPS Growth71.94%
CountryJP
Employees3,549
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)42.30
Shares Outstanding275,657,870
10 Day Avg. Volume684,590
30 Day Avg. Volume610,036
Financial Highlights & Ratios
PEG Ratio0.23
Price to Book (P/B)0.58
Price to Sales (P/S)1.43
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)161.8
Revenue Forecast (FY)¥117.50B
Daishi Hokuetsu Financial Group, Inc. Business Overview & Revenue Model
Company Description
Daishi Hokuetsu Financial Group, Inc., through its subsidiaries, provides various banking products and services in Japan. The company offers deposit and loan products. It also provides securities, credit cards and credit guarantee, venture capital...
How the Company Makes Money
Daishi Hokuetsu Financial Group makes money mainly through banking and related financial services provided by its consolidated subsidiaries. The primary revenue stream is interest income: the group collects interest on loans to individuals (e.g., ...
Daishi Hokuetsu Financial Group, Inc. Financial Statement Overview
Summary
Income Statement
85
Very Positive
Balance Sheet
78
Positive
Cash Flow
72
Positive
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 192.26B | 192.39B | 172.47B | 143.43B | 127.35B | 134.43B |
| Gross Profit | 150.29B | 146.77B | 132.11B | 126.95B | 120.21B | 127.58B |
| EBITDA | 43.78B | 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 | 0.00 | 289.30B | -343.80B | 794.86B | 895.20B |
| Operating Cash Flow | 0.00 | 0.00 | 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
Positive
1443.00
Price Trends
1927.36
Positive
1765.23
Positive
1515.19
Positive
Market Momentum
6.32
Positive
49.99
Neutral
38.37
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 1979.85, below the 50-day MA of 1927.36, and below the 200-day MA of 1515.19, indicating a neutral trend. The MACD of 6.32 indicates Positive momentum. The RSI at 49.99 is Neutral, neither overbought nor oversold. The STOCH value of 38.37 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
79 Outperform | ¥539.23B | 9.62 | ― | 3.15% | 12.71% | 71.94% | |
70 Outperform | ¥465.40B | 15.28 | 6.09% | 2.93% | 5.87% | 50.22% | |
70 Outperform | ¥539.02B | 9.42 | ― | 3.21% | 19.82% | 29.59% | |
69 Neutral | ¥697.66B | 9.74 | ― | 1.41% | 28.83% | 105.24% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | ¥493.99B | 10.79 | 5.53% | 2.02% | 12.96% | 44.62% | |
65 Neutral | ¥501.86B | 7.73 | ― | 2.93% | 9.27% | 19.72% |
* Financial Sector Average
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Daishi Hokuetsu Financial Group, Inc. Corporate Events
Daishi Hokuetsu Financial Group Slightly Strengthens Capital Adequacy Ratios
Feb 10, 2026
Daishi Hokuetsu Financial Group reported a consolidated capital adequacy ratio of 10.72% as of December 31, 2025, slightly up from 10.59% at the end of March 2025, supported by an increase in owner’s equity to ¥460.8 billion despite hig...
Daishi Hokuetsu Financial Group Posts Strong Nine-Month Results and Lifts Equity Ratio
Jan 30, 2026
Daishi Hokuetsu Financial Group reported strong consolidated results for the nine months ended 31 December 2025, with ordinary income rising 39.5% year on year to ¥200.1 billion, ordinary profit climbing 64.5% to ¥48.9 billion and profit...
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.