Juroku Financial Group,Inc. (7380) AI Stock Analysis

• Market Cap: ¥234.38B
• Dividend Yield: 3.37%
• Average Volume (3M): 83.90K
• Price to Earnings (P/E): 10.3
• Beta (1Y): 1.08
• Revenue Growth: 1.91%
• EPS Growth: 9.73%
• Country: JP
• Employees: 2,451
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 148.60
• Shares Outstanding: 37,924,133
• 10 Day Avg. Volume: 87,370
• 30 Day Avg. Volume: 83,900
• PEG Ratio: 0.95
• Price to Book (P/B): 0.42
• Price to Sales (P/S): 1.39
• P/FCF Ratio: 2.86
• 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: Moderate Buy
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 73 Outperform
• Price Target: ¥6,824.00 ▲(8.84% Upside)

Juroku Financial Group, Inc. receives a strong overall score driven by robust technical indicators and a favorable valuation. The financial performance is solid, with notable revenue growth and profitability, though there are concerns about increasing debt and operational efficiency. The absence of earnings call and corporate events data did not impact the score.

Positive Factors

Revenue Growth

Consistent revenue growth indicates effective market strategies and product offerings, enhancing long-term business stability and expansion potential.

Cash Flow Improvement

Improved cash flow enhances financial flexibility, allowing for reinvestment in growth opportunities and reducing reliance on external financing.

Profitability

A strong net profit margin reflects efficient cost management and pricing power, supporting sustainable earnings and shareholder value.

Negative Factors

Rising Debt Levels

Higher debt levels can strain financial resources, increasing risk if interest rates rise, and may limit strategic flexibility in the long term.

Operational Efficiency

Decreasing margins suggest rising operational costs or inefficiencies, which could impact profitability and require strategic adjustments.

Cash Conversion Issues

Challenges in converting income into cash may affect liquidity and the ability to fund operations or invest in growth without external financing.

Juroku Financial Group,Inc. Business Overview & Revenue Model

Company Description

Juroku Financial Group,Inc. provides various banking products and services in Japan. The company offers deposit products, including checking, ordinary, savings, notification, time, special, tax reserve, non-resident yen, and foreign currency deposits, as well as the certificate of deposit. It also provides bill loans, certificate loans and overdrafts, discounts on bills, commercial bills, bills of exchange, discounts on bank underwriting bills, electronic recorded receivables, and commodity securities trading services; protective custody and leasing services; safe deposit boxes; and invests in government, municipal, and corporate bonds, as well as stocks. In addition, the company is involved in the remittance exchange and forex business, which include export, import, and other foreign exchange services; transactions related to interest rate swaps, coupon swaps and currency options; agency business, including public money handling; acceptance and storage of stock payments, stock dividends, public and corporate bond principal, and interest payment agency business; agency loan and trust agency business; financial product brokerage business; debt guarantee; underwriting of public bonds; and sale of public bonds, insurance, and investment trusts at the counter. Further, it provides credit cards, computer services, and credit guarantees. The company operates through a network of 149 branches, 12 branch offices, 16 loan centers, 1 ancillary business handling office, 4 overseas representative offices, and 239 ATMs. Juroku Financial Group,Inc. was founded in 1877 and is headquartered in Gifu, Japan.

How the Company Makes Money

Juroku Financial Group generates revenue through various channels, including interest income from loans and mortgages, fees for financial advisory and asset management services, and commissions from investment products. The company also earns income from its investment portfolio, which includes equities, fixed income securities, and alternative investments. Key revenue streams include interest from retail banking operations, where they lend to individuals and businesses, and fees generated from corporate finance activities, such as underwriting and advisory services for mergers and acquisitions. Additionally, strategic partnerships with local businesses and financial institutions enhance their market reach and contribute to their earnings.

Juroku Financial Group,Inc. Financial Statement Overview

Summary

Juroku Financial Group, Inc. demonstrates solid revenue growth and profitability, though there are concerns about increasing debt levels and operational efficiency. The cash flow position has improved significantly, but the ability to convert income into cash remains a challenge. Overall, the company is on a positive trajectory but should monitor leverage and operational costs closely.

Income Statement

The company shows a strong revenue growth rate of 9.28% in the latest year, indicating positive momentum. The net profit margin is healthy at 17.50%, reflecting good profitability. However, the EBIT and EBITDA margins have decreased compared to previous years, which could indicate rising operational costs or other inefficiencies.

Balance Sheet

The debt-to-equity ratio has increased significantly to 1.69, suggesting a higher reliance on debt financing, which could pose risks if interest rates rise. Return on equity is modest at 4.97%, indicating average efficiency in generating profits from shareholders' equity. The equity ratio is stable, showing a balanced asset structure.

Cash Flow

The company has shown a remarkable improvement in free cash flow, with a growth rate of 'Infinity' due to a significant turnaround from negative to positive free cash flow. The operating cash flow to net income ratio is low, suggesting potential issues in converting income into cash. However, the free cash flow to net income ratio is strong at 96.71%, indicating efficient cash generation relative to net income.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	128.16B	129.69B	122.69B	107.10B	111.58B	110.50B
Gross Profit	128.16B	120.24B	116.07B	104.33B	111.27B	106.73B
EBITDA	14.81B	34.53B	31.53B	30.49B	30.46B	25.95B
Net Income	20.62B	20.84B	19.32B	18.63B	17.19B	14.72B
Balance Sheet
Total Assets	7.72T	7.60T	7.54T	7.19T	8.38T	7.24T
Cash, Cash Equivalents and Short-Term Investments	0.00	1.08T	973.95B	752.03B	2.14T	947.01B
Total Debt	546.44B	706.64B	346.50B	329.54B	1.63T	623.52B
Total Liabilities	7.29T	7.17T	7.08T	6.80T	7.97T	6.84T
Stockholders Equity	430.79B	419.13B	446.67B	388.72B	398.90B	389.75B
Cash Flow
Free Cash Flow	0.00	61.01B	4.88B	-1.37T	1.12T	19.28B
Operating Cash Flow	0.00	63.09B	6.96B	-1.37T	1.12T	21.26B
Investing Cash Flow	0.00	107.83B	70.66B	-8.18B	82.70B	-422.14B
Financing Cash Flow	0.00	97.55B	115.21B	-5.92B	131.60B	706.44B

Juroku Financial Group,Inc. Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 6270.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:7380, the sentiment is Positive. The current price of 6270 is above the 20-day moving average (MA) of 5851.50, above the 50-day MA of 5599.52, and above the 200-day MA of 4988.78, indicating a bullish trend. The MACD of 155.07 indicates Negative momentum. The RSI at 67.55 is Neutral, neither overbought nor oversold. The STOCH value of 92.04 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:7380.

Juroku Financial Group,Inc. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
8370	77 Outperform	$194.66B	10.28	7.61%	4.01%	17.68%	20.15%
7173	76 Outperform	¥254.19B	6.78	―	2.24%	19.69%	50.61%
7380	73 Outperform	¥234.38B	10.30	―	3.37%	1.91%	9.73%
8368	73 Outperform	¥258.40B	13.10	3.95%	2.52%	9.29%	28.34%
7389	70 Outperform	¥197.29B	24.94	―	2.38%	5.99%	21.09%
8524	69 Neutral	¥292.22B	12.20	―	2.56%	19.69%	70.91%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

Juroku Financial Group,Inc. Corporate Events

Juroku Financial Group Reports Q1 2025 Financial Results

Juroku Financial Group, Inc. reported its consolidated financial results for the three months ended June 30, 2025, showing a 17% increase in ordinary income compared to the previous year. Despite this growth, the profit attributable to owners of the parent decreased by 3.5%. The company maintained its own capital ratio at 5.5%, and there were no significant changes in accounting policies or the scope of consolidation. The dividend forecast remains unchanged, with a total annual dividend of 180 yen per share expected for the fiscal year ending March 31, 2026.