Okinawa Financial Group, Inc. (JP:7350)
:7350
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Okinawa Financial Group, Inc.
(7350)
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Rating:78Outperform
Price Target:
¥6,350.00
▲(33.26% Upside)
Action:ReiteratedDate:02/06/26
The score is primarily driven by solid financial performance (strong profitability and improving margins, with improved 2025 cash generation) and supportive technical trend (price above major moving averages). The main offsets are cash-flow volatility history and signs of near-term technical overextension (RSI near 70 and high stochastic), while valuation remains reasonable with a moderate P/E and ~2.36% dividend yield.
Positive Factors
Strong profitability
Sustained margin expansion and near-100% gross margin indicate durable profitability and operating leverage in core banking and fee businesses. Combined with positive revenue growth, this supports long-term internal funding for lending, investment and shareholder returns without reliance on one-off items.
Negative Factors
Thin equity ratio
A low equity ratio indicates a thin capital cushion relative to assets, increasing vulnerability to credit losses or market shocks. Over the medium term this can constrain risk-taking and force capital-raising or dividend cuts if asset quality or macro conditions deteriorate.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong profitability
Sustained margin expansion and near-100% gross margin indicate durable profitability and operating leverage in core banking and fee businesses. Combined with positive revenue growth, this supports long-term internal funding for lending, investment and shareholder returns without reliance on one-off items.
Read all positive factors
Okinawa Financial Group, Inc. (7350) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥122.09B
Dividend Yield2.71%
Average Volume (3M)63.01K
Price to Earnings (P/E)8.5
Beta (1Y)1.15
Revenue Growth15.37%
EPS Growth35.08%
CountryJP
Employees1,537
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)140.46
Shares Outstanding23,016,563
10 Day Avg. Volume61,580
30 Day Avg. Volume63,013
Financial Highlights & Ratios
PEG Ratio0.25
Price to Book (P/B)0.36
Price to Sales (P/S)0.98
P/FCF Ratio5.38
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)515.4
Revenue Forecast (FY)¥70.40B
Okinawa Financial Group, Inc. Business Overview & Revenue Model
Company Description
Okinawa Financial Group,Inc. provides various financial services. The company offers banking, general leasing, credit card, securities, guarantee, agency, and debt management and collection services. It also provides financial and economic survey ...
How the Company Makes Money
Okinawa Financial Group generates revenue through various channels, primarily from interest income derived from loans and mortgages offered to retail and corporate clients. Additionally, the company earns fees from asset management services, inves...
Okinawa Financial Group, Inc. Financial Statement Overview
Summary
Income Statement
85
Very Positive
Balance Sheet
78
Positive
Cash Flow
70
Positive
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 57.53B | 55.98B | 50.97B | 49.31B | 46.71B | 50.10B |
| Gross Profit | 57.20B | 53.62B | 49.77B | 48.89B | 46.42B | 50.10B |
| EBITDA | 10.48B | 14.13B | 11.12B | 10.56B | 10.09B | 9.48B |
| Net Income | 8.80B | 7.94B | 6.26B | 5.83B | 5.01B | 5.21B |
Balance Sheet | ||||||
| Total Assets | 3.02T | 2.98T | 2.93T | 2.88T | 2.86T | 2.67T |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 349.39B | 439.56B | 510.74B | 590.65B | 455.12B |
| Total Debt | 98.58B | 99.84B | 94.55B | 161.03B | 222.29B | 316.06B |
| Total Liabilities | 2.87T | 2.83T | 2.78T | 2.72T | 2.70T | 2.51T |
| Stockholders Equity | 156.96B | 153.51B | 156.92B | 153.66B | 159.39B | 160.74B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 10.18B | -44.16B | -52.34B | 183.86B | 4.48B |
| Operating Cash Flow | 0.00 | 11.30B | -42.59B | -50.07B | 188.08B | 6.84B |
| Investing Cash Flow | 0.00 | -106.59B | -25.08B | -28.55B | -48.79B | -116.87B |
| Financing Cash Flow | 0.00 | -1.93B | -5.26B | -2.76B | -4.10B | 364.54B |
Okinawa Financial Group, Inc. Technical Analysis
Positive
4765.00
Price Trends
5504.44
Positive
5082.57
Positive
4262.33
Positive
Market Momentum
25.99
Negative
57.22
Neutral
75.21
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 5426.29, below the 50-day MA of 5504.44, and above the 200-day MA of 4262.33, indicating a bullish trend. The MACD of 25.99 indicates Negative momentum. The RSI at 57.22 is Neutral, neither overbought nor oversold. The STOCH value of 75.21 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 (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | ¥122.09B | 8.48 | ― | 2.71% | 15.37% | 35.08% | |
75 Outperform | ¥172.02B | 7.55 | ― | 2.29% | 13.93% | 54.44% | |
72 Outperform | ¥164.58B | 8.04 | 3.68% | 2.26% | 9.34% | 20.61% | |
69 Neutral | ¥102.19B | 6.66 | ― | 2.46% | 9.12% | 43.43% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | ¥176.69B | 9.13 | ― | 2.23% | 29.06% | 40.95% | |
65 Neutral | ¥128.14B | 9.42 | ― | 0.58% | 15.03% | 16.66% |
* Financial Sector Average
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Okinawa Financial Group, Inc. Corporate Events
Okinawa Financial Group Books Large Unrealized Bond Losses but Keeps Earnings Outlook
Jan 22, 2026
Okinawa Financial Group has disclosed unrealized losses of ¥8,349 million on held-to-maturity bonds at its core subsidiary, The Bank of Okinawa, as of December 31, 2025, reflecting a decline in the market value of these securities to ¥34...
Okinawa Financial Group Revises Earnings Forecast and Increases Dividends
Nov 11, 2025
Okinawa Financial Group, Inc. announced a revision of its earnings forecast for the fiscal year ending March 31, 2026, due to strong subsidiary performance and reduced costs. The company also increased its interim and year-end dividends, reflectin...
Okinawa Financial Group Reports Strong First Half of 2025 Results
Nov 11, 2025
Okinawa Financial Group, Inc. reported a significant increase in its consolidated financial results for the first half of 2025, with ordinary income rising by 20.3% and profit attributable to owners increasing by 36.8% compared to the previous yea...
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.