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

• Market Cap: ¥306.52B
• Dividend Yield: 2.94%
• Average Volume (3M): 83.90K
• Price to Earnings (P/E): 12.6
• Beta (1Y): 1.11
• Revenue Growth: 1.91%
• EPS Growth: 9.73%
• Country: JP
• Employees: 2,451
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 187.53
• 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): 1.34
• 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: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 67 Neutral
• Price Target: ¥8,723.00 ▲(17.56% Upside)

The score is driven primarily by solid financial performance (good growth/profitability and improved free cash flow) offset by higher leverage and modest ROE. Technicals show strong momentum but extremely overbought readings raise near-term risk. Valuation is supportive with a moderate P/E and a mid-level dividend yield.

Positive Factors

Revenue growth and healthy net margin

Sustained revenue growth (9.28%) combined with a robust net margin (17.5%) indicates durable core profitability and pricing power across lending and fee businesses. This supports internal reinvestment, dividend capacity and resilience through credit cycles over the medium term.

Free cash flow turnaround

A material swing to positive free cash flow and an FCF-to-net-income ratio near 97% materially improves funding flexibility. Durable cash generation reduces refinancing risk, enables reinvestment or shareholder returns, and strengthens the balance sheet over a multi-quarter horizon.

Diversified financial services mix

Broad business mix across retail banking, asset management and advisory diversifies revenue sources and fee income, lowering single-cycle exposure. Cross-selling potential and fee-based earnings provide structural stability and margin support over the medium term.

Negative Factors

Elevated leverage

A 1.69 debt-to-equity level raises sensitivity to interest-rate moves and credit tightening, increasing funding costs and rollover risk. Higher leverage can constrain capital actions and amplify earnings volatility across economic cycles, pressuring long-term financial flexibility.

Modest return on equity

An ROE below double digits suggests the group earns only modest returns on capital versus peers. Persistently low ROE limits shareholder wealth creation, reduces room for capital-intensive growth, and may necessitate strategic initiatives to improve asset yield or cost efficiency.

Declining operating margins

Eroding EBIT/EBITDA margins point to rising cost pressure or less profitable revenue mix. If structural, margin compression will reduce cash available for provisioning, investment and distributions, making long-term profitability more dependent on cost controls or higher-yielding assets.

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 multiple streams, primarily from interest income on loans and financial products offered to customers. The company earns significant income from the interest on personal and business loans, as well as from fees associated with its banking services, such as account maintenance and transaction fees. Additionally, Juroku Financial Group profits from its asset management services by charging management fees on the investment funds it administers. The company may also engage in proprietary trading and investment activities that contribute to its earnings. Strategic partnerships with other financial institutions and investment firms enhance Juroku's service offerings and can lead to increased revenue through collaborative financial products and shared client bases.

Juroku Financial Group,Inc. Financial Statement Overview

Summary

Income statement strength (revenue growth 9.28%, net margin 17.50%) and improved free cash flow support the score, but higher leverage (debt-to-equity 1.69), modest ROE (4.97%), and weaker EBIT/EBITDA margins temper overall financial quality.

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: 7420.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

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 7420 is below the 20-day moving average (MA) of 7916.00, above the 50-day MA of 7102.60, and above the 200-day MA of 5609.37, indicating a bullish trend. The MACD of 357.36 indicates Positive momentum. The RSI at 67.59 is Neutral, neither overbought nor oversold. The STOCH value of 41.35 is Neutral, 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	¥241.40B	12.75	7.61%	3.81%	17.68%	20.15%
7173	76 Outperform	¥305.45B	8.03	―	1.95%	19.69%	50.61%
8524	76 Outperform	¥338.54B	14.13	―	3.01%	19.69%	70.91%
7389	74 Outperform	¥268.45B	22.28	―	2.14%	5.99%	21.09%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
7380	67 Neutral	¥306.52B	12.56	―	2.94%	1.91%	9.73%
8368	64 Neutral	¥355.78B	18.04	3.95%	2.19%	9.29%	28.34%

Juroku Financial Group,Inc. Corporate Events

Juroku Financial Group Completes Share Buyback to Boost Growth

Juroku Financial Group, Inc. has completed the acquisition of its own shares, purchasing 478,400 common shares for approximately 2.999 billion yen. This move is aimed at enhancing shareholder returns and promoting sustainable growth, thereby improving the company’s medium-to-long-term corporate value.

The most recent analyst rating on (JP:7380) stock is a Buy with a Yen6824.00 price target. To see the full list of analyst forecasts on Juroku Financial Group,Inc. stock, see the JP:7380 Stock Forecast page.

Juroku Financial Group Announces Share Repurchase Plan

Juroku Financial Group, Inc. announced a plan to repurchase up to 478,400 of its own shares through the Tokyo Stock Exchange’s off-auction trading system. This strategic move, with a maximum cost of approximately 2.999 billion yen, aims to enhance shareholder value and optimize the company’s capital structure.

The most recent analyst rating on (JP:7380) stock is a Buy with a Yen6824.00 price target. To see the full list of analyst forecasts on Juroku Financial Group,Inc. stock, see the JP:7380 Stock Forecast page.

Juroku Financial Group Revises Financial Targets Upward Amid Positive Progress

Juroku Financial Group, Inc. has revised its numerical targets upward for its Long-Term Vision ’16Vision-10′ and the 2nd Medium-Term Management Plan due to smooth progress and the impact of a policy interest rate hike. The revisions include an increase in consolidated net income and return on equity targets, reflecting a positive outlook for the company’s future financial performance.

The most recent analyst rating on (JP:7380) stock is a Buy with a Yen6072.00 price target. To see the full list of analyst forecasts on Juroku Financial Group,Inc. stock, see the JP:7380 Stock Forecast page.

Juroku Financial Group Announces Treasury Share Acquisition Plan

Juroku Financial Group, Inc. has announced a resolution to acquire up to 500,000 of its common shares, representing 1.392% of the total issued shares, as part of its strategy to enhance shareholder returns and promote sustainable growth. This acquisition, with a maximum cost of 3 billion yen, will be conducted through market purchases on the Tokyo Stock Exchange from November 14, 2025, to March 24, 2026, reflecting the company’s commitment to improving its medium-to-long-term corporate value.

The most recent analyst rating on (JP:7380) stock is a Buy with a Yen6072.00 price target. To see the full list of analyst forecasts on Juroku Financial Group,Inc. stock, see the JP:7380 Stock Forecast page.

Juroku Financial Group Increases Profit and Dividend Forecasts for FY 2026

Juroku Financial Group, Inc. has revised its full-year consolidated financial results forecasts for the fiscal year ending March 31, 2026, citing higher-than-expected net interest income. The company has increased its ordinary profit forecast from ¥31,500 million to ¥34,800 million and profit attributable to owners of the parent from ¥21,500 million to ¥23,500 million. Consequently, the company has also raised its year-end dividend forecast, setting the dividend per share at ¥100, up from the previous forecast of ¥90, resulting in a total annual dividend of ¥200 per share. These revisions reflect the company’s improved financial performance and commitment to enhancing shareholder returns.

The most recent analyst rating on (JP:7380) stock is a Buy with a Yen6072.00 price target. To see the full list of analyst forecasts on Juroku Financial Group,Inc. stock, see the JP:7380 Stock Forecast page.

Juroku Financial Group Reports Strong Semi-Annual Financial Results and Dividend Increase

Juroku Financial Group, Inc. reported its consolidated financial results for the six months ended September 30, 2025, showing a notable increase in ordinary income, ordinary profit, and profit attributable to owners of the parent compared to the previous year. The company also announced an increase in its annual dividend forecast, reflecting a strong financial position and commitment to shareholder returns. The financial results indicate a positive trajectory for the company, with implications for enhanced stakeholder confidence and potential growth in market positioning.

The most recent analyst rating on (JP:7380) stock is a Buy with a Yen6072.00 price target. To see the full list of analyst forecasts on Juroku Financial Group,Inc. stock, see the JP:7380 Stock Forecast page.

Juroku Financial Group Increases Interim Dividend Forecast

Juroku Financial Group, Inc. has announced a revision to its interim dividend forecast for the fiscal year ending March 31, 2026, increasing the dividend by ¥10 per share to ¥100. This decision reflects the company’s strong financial performance and commitment to shareholder returns, while maintaining its year-end dividend forecast.

The most recent analyst rating on (JP:7380) stock is a Buy with a Yen6072.00 price target. To see the full list of analyst forecasts on Juroku Financial Group,Inc. stock, see the JP:7380 Stock Forecast page.