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Okinawa Financial Group, Inc.
(7350)
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Rating:72Outperform
Price Target:
¥8,358.00
▲(75.40% Upside)
Action:Reiterated
Date:05/16/26
The score is driven by attractive valuation (low P/E plus dividend yield) and strong technical trend/momentum (price above key moving averages with positive MACD). These positives are moderated by uneven underlying cash-flow consistency, despite improving earnings and a healthier leverage profile.
Positive Factors
Revenue and Net Income Momentum
Sustained top-line and net income acceleration over multiple years indicates improving core banking performance and customer activity. Durable revenue growth supports underwriting capacity, fee generation and reinvestment in products, making earningsbase less reliant on one-off gains.
Negative Factors
Volatile Cash Generation
Large year-to-year cash flow swings undermine predictability for capital allocation, dividends and loan funding. Volatility raises the chance of needing external funding in down cycles and complicates management of liquidity and strategic investment over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue and Net Income Momentum
Sustained top-line and net income acceleration over multiple years indicates improving core banking performance and customer activity. Durable revenue growth supports underwriting capacity, fee generation and reinvestment in products, making earningsbase less reliant on one-off gains.
Read all positive factors
Okinawa Financial Group, Inc. (7350) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥156.88B
Dividend Yield2.31%
Average Volume (3M)63.01K
Price to Earnings (P/E)13.9
Beta (1Y)1.16
Revenue Growth21.01%
EPS Growth42.25%
CountryJP
Employees1,513
SectorGeneral
Sector StrengthN/A
IndustryBanks - Regional
Share Statistics
EPS (TTM)529.07
Shares Outstanding23,016,563
10 Day Avg. Volume61,580
30 Day Avg. Volume63,013
Financial Highlights & Ratios
PEG Ratio0.23
Price to Book (P/B)0.69
Price to Sales (P/S)1.60
P/FCF Ratio15.53
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)562.2
Revenue Forecast (FY)¥74.00B
Okinawa Financial Group, Inc. Business Overview & Revenue Model
Company Description
Okinawa Financial Group, Inc. functions as a diversified provider of financial services. Its extensive portfolio includes conventional banking, general leasing, credit card offerings, securities trading, guarantees, agency operations, and debt col...
How the Company Makes Money
The company makes money primarily through its banking operations conducted by its consolidated subsidiaries. Key revenue streams generally include (1) net interest income: interest earned on loans and other interest-bearing assets minus interest p...
Okinawa Financial Group, Inc. Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
64
Positive
Cash Flow
42
Neutral
| Breakdown | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 69.72B | 55.98B | 50.97B | 49.31B | 46.71B |
| Gross Profit | 63.18B | 53.62B | 49.77B | 48.89B | 46.42B |
| EBITDA | 18.44B | 14.13B | 11.12B | 10.56B | 10.09B |
| Net Income | 11.29B | 7.94B | 6.26B | 5.83B | 5.01B |
Balance Sheet | |||||
| Total Assets | 2.94T | 2.98T | 2.93T | 2.88T | 2.86T |
| Cash, Cash Equivalents and Short-Term Investments | 201.70B | 349.39B | 439.56B | 510.74B | 590.65B |
| Total Debt | 96.26B | 99.84B | 94.55B | 161.03B | 222.29B |
| Total Liabilities | 2.77T | 2.83T | 2.78T | 2.72T | 2.70T |
| Stockholders Equity | 162.30B | 153.51B | 156.92B | 153.66B | 159.39B |
Cash Flow | |||||
| Free Cash Flow | 7.20B | 10.18B | -44.16B | -52.34B | 183.86B |
| Operating Cash Flow | 8.53B | 11.30B | -42.59B | -50.07B | 188.08B |
| Investing Cash Flow | -104.31B | -106.59B | -25.08B | -28.55B | -48.79B |
| Financing Cash Flow | -54.02B | -1.93B | -5.26B | -2.76B | -4.10B |
Okinawa Financial Group, Inc. Technical Analysis
Positive
4765.00
Price Trends
6665.20
Positive
6164.37
Positive
5441.02
Positive
Market Momentum
232.91
Negative
65.15
Neutral
75.05
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:7350, the sentiment is Positive. The current price of 4765 is below the 20-day moving average (MA) of 7163.50, below the 50-day MA of 6665.20, and below the 200-day MA of 5441.02, indicating a bullish trend. The MACD of 232.91 indicates Negative momentum. The RSI at 65.15 is Neutral, neither overbought nor oversold. The STOCH value of 75.05 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:7350.
Okinawa Financial Group, Inc. Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
72 Outperform | ¥156.88B | 13.89 | ― | 2.71% | 21.01% | 42.25% | |
69 Neutral | ¥200.07B | 18.35 | 4.59% | 1.22% | 23.47% | 44.33% | |
69 Neutral | ¥154.74B | 18.99 | ― | 0.58% | 24.02% | 15.27% | |
68 Neutral | ¥216.77B | 15.20 | ― | 2.23% | 30.35% | 66.60% | |
65 Neutral | ¥199.48B | 13.98 | ― | 2.29% | 9.41% | 45.92% | |
64 Neutral | ¥124.84B | 13.29 | ― | 2.46% | 16.88% | 59.33% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
JP:7350
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Okinawa Financial Group, Inc. Corporate Events
Okinawa Financial Group Flags Large Unrealized Bond Losses but Keeps Outlook
Jul 23, 2026
Okinawa Financial Group reported unrealized losses of ¥10,396 million on held-to-maturity bonds at The Bank of Okinawa as of June 30, 2026, compared with a book value of ¥42,793 million and a market value of ¥32,396 million. The los...
Okinawa Financial Group Hikes Profit Targets and Boosts Dividends Under Medium-Term Plan
May 15, 2026
Okinawa Financial Group has raised its final-year targets under its second medium-term business plan for the year ending March 2027, reflecting stronger deposit balances, higher fees and commissions at the Bank of Okinawa, and market interest rate...
Okinawa Financial Group Lifts Earnings, Boosts Dividend and Guides for Further Growth
May 15, 2026
Okinawa Financial Group reported strong results for the fiscal year ended March 31, 2026, with ordinary income rising 19.8% to ¥70.4 billion and profit attributable to owners of the parent surging 42.2% to ¥11.3 billion, lifting ROE to 7...
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.