Okinawa Financial Group, Inc. (7350) AI Stock Analysis

• Market Cap: ¥65.74B
• Dividend Yield: 4.13%
• Average Volume (3M): 66.59K
• Price to Earnings (P/E): 7.8
• Beta (1Y): 1.02
• Revenue Growth: 2.20%
• EPS Growth: 49.27%
• Country: JP
• Employees: 1,537
• Sector: Financial
• Sector Strength: 74
• Industry: Banks - Regional
• EPS (TTM): 117.14
• Shares Outstanding: 23,016,563
• 10 Day Avg. Volume: 49,650
• 30 Day Avg. Volume: 66,590
• PEG Ratio: 0.40
• Price to Book (P/B): 0.31
• Price to Sales (P/S): 0.00
• P/FCF Ratio: -0.92
• 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

• Rating: 71 Outperform
• Price Target: ―

Okinawa Financial Group, Inc. scores a 71, driven by its strong financial performance and attractive valuation. The company demonstrates solid profitability and operational efficiency, but moderate revenue growth and low equity ratio pose challenges. Technical analysis shows mixed signals, suggesting cautious optimism. The stock's low P/E ratio and high dividend yield enhance its appeal, making it a potentially good value investment.

Okinawa Financial Group, Inc. Business Overview & Revenue Model

Company Description

Okinawa Financial Group, Inc. (7350) is a financial services company based in Japan, focusing primarily on regional banking and financial solutions. The company operates through various segments, including banking, leasing, and other financial services, providing a range of products such as loans, deposits, and investment services. Its core services cater to individual and corporate clients, aiming to support the financial needs of the Okinawa region with a strong emphasis on community engagement and customer service.

How the Company Makes Money

Okinawa Financial Group, Inc. generates revenue through interest income from loans and advances offered to individual and corporate clients, as well as fees and commissions from various banking and financial services. The company also earns money from investment activities and the leasing of financial products. Key revenue streams include personal and business loans, mortgages, and other banking services. Additionally, the company may have strategic partnerships with other financial institutions and businesses that contribute to its earnings, although specific details of such partnerships are not disclosed.

Okinawa Financial Group, Inc. Financial Statement Overview

Summary

Okinawa Financial Group, Inc. exhibits strong profitability with a gross profit margin of 99.5% TTM and operational efficiency indicated by a 38% EBIT margin. However, moderate revenue growth at 2.9% and a low equity ratio present challenges. Cash flow evaluation is limited due to missing data, but historical volatility suggests potential cash management issues. Overall, the company has a stable financial position with some risks.

Income Statement

Okinawa Financial Group, Inc. shows a strong gross profit margin of 99.5% TTM, indicating effective cost management. The net profit margin is 13.0% TTM, which is solid for the banking industry. Revenue growth rate from the previous year is 2.9%, showing moderate growth. EBIT margin of 38.0% TTM suggests strong operational efficiency, though the EBITDA margin is lower at 10.8% TTM, indicating higher non-operating expenses or depreciation impacting earnings. Overall, the company demonstrates consistent profitability with moderate revenue growth.

Balance Sheet

The debt-to-equity ratio stands at 0.64 TTM, which is reasonable within the banking sector, indicating moderate leverage. Return on equity (ROE) is 4.5% TTM, showing a modest return for shareholders. The equity ratio is 5.2% TTM, reflecting a low proportion of equity financing compared to total assets, typical in banking. The balance sheet is stable with manageable debt levels, though the low equity ratio may pose a risk.

Cash Flow

Cash flow metrics are challenging to evaluate due to missing data on free cash flow and operating cash flow in the recent period. Historical data shows fluctuations, with a significant negative free cash flow reported in past years, indicating potential challenges in generating cash from operations. The absence of current cash flow data makes it difficult to fully assess the company's cash generation capability.

Breakdown
TTM	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021
Income Statement		Total Revenue
54.35B	55.44B	49.39B	48.89B	46.42B	50.10B
	Gross Profit
54.07B	0.00	49.39B	48.89B	46.42B	50.10B
	EBIT
15.79B	8.54B	8.87B	8.01B	7.91B	7.93B
	EBITDA
8.75B	8.54B	11.12B	10.56B	9.83B	10.04B
	Net Income Common Stockholders
7.07B	7.94B	6.26B	5.83B	5.01B	5.21B
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
409.11B	0.00	439.56B	510.74B	590.65B	455.12B
	Total Assets
2.99T	2.98T	2.93T	2.88T	2.86T	2.67T
	Total Debt
100.17B	99.84B	94.55B	161.03B	222.29B	161.75B
	Net Debt
-308.95B	99.84B	-345.01B	-349.71B	-368.36B	-293.37B
	Total Liabilities
2.84T	2.83T	2.78T	161.03B	222.29B	2.51T
	Stockholders Equity
155.58B	153.51B	156.92B	153.66B	159.39B	160.74B
Cash Flow		Free Cash Flow
0.00	22.08B	-44.16B	-52.34B	183.86B	4.48B
	Operating Cash Flow
0.00	23.19B	-42.59B	-50.07B	188.08B	6.84B
	Investing Cash Flow
0.00	-160.13B	-25.08B	-28.55B	-48.79B	-116.87B
	Financing Cash Flow
0.00	45.66B	44.41B	-2.76B	-4.10B	364.54B

Okinawa Financial Group, Inc. Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 2912.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Negative

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 2912 is above the 20-day moving average (MA) of 2818.35, above the 50-day MA of 2569.78, and above the 200-day MA of 2460.06, indicating a bullish trend. The MACD of 78.65 indicates Positive momentum. The RSI at 68.21 is Neutral, neither overbought nor oversold. The STOCH value of 81.34 is Negative, 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
8316	80 Outperform	¥14.08T	12.03	7.92%	3.43%	5.50%	25.15%
8411	78 Outperform	$9.96T	11.33	8.45%	3.27%	7.33%	30.52%
8306	75 Outperform	¥22.08T	12.20	9.18%	3.99%	10.56%	28.68%
7350	71 Outperform	¥65.74B	7.83		4.13%	2.20%	49.27%
8308	66 Neutral	¥3.02T	14.19	7.67%	2.06%	18.56%	44.11%
Sector *	64 Neutral	$12.77B	9.78	7.84%	78.83%	12.06%	-7.99%
7186	60 Neutral	$1.07T	13.12	6.37%	3.39%	8.79%	19.19%