Juroku Financial Group,Inc. (JP:7380)
:7380
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Juroku Financial Group,Inc.
(7380)
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Rating:76Outperform
Price Target:
¥2,326.00
▼(-68.65% Downside)
Action:UpgradedDate:02/14/26
The score is primarily driven by strong technical strength (price above all key moving averages with positive MACD) and supported by solid profitability and revenue growth. It is held back by rising leverage, some operating margin deterioration, and mixed cash conversion quality, while valuation is reasonable with a moderate dividend yield.
Positive Factors
Revenue growth & profitability
Sustained revenue growth near 9-10% combined with a high net profit margin indicates the core banking franchise is generating durable earnings from lending, fees and securities. Over the next 2–6 months this supports internal capital generation, capacity to absorb credit costs and stable earnings for reinvestment or payouts.
Negative Factors
Rising leverage
A materially higher debt-to-equity ratio increases interest-rate and refinancing sensitivity for a bank group. If rates move unfavorably or credit costs rise, higher leverage constrains capital buffer flexibility, heightens regulatory and market scrutiny, and can limit capacity for loan growth or stress absorption over coming quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue growth & profitability
Sustained revenue growth near 9-10% combined with a high net profit margin indicates the core banking franchise is generating durable earnings from lending, fees and securities. Over the next 2–6 months this supports internal capital generation, capacity to absorb credit costs and stable earnings for reinvestment or payouts.
Read all positive factors
Juroku Financial Group,Inc. (7380) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥376.00B
Dividend Yield2.94%
Average Volume (3M)83.90K
Price to Earnings (P/E)9.6
Beta (1Y)1.22
Revenue Growth9.90%
EPS Growth16.52%
CountryJP
Employees2,451
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)114.75
Shares Outstanding189,620,670
10 Day Avg. Volume87,370
30 Day Avg. Volume83,900
Financial Highlights & Ratios
PEG Ratio0.95
Price to Book (P/B)0.42
Price to Sales (P/S)1.32
P/FCF Ratio0.00
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)N/A
Revenue Forecast (FY)N/A
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 depos...
How the Company Makes Money
The company makes money primarily through the earnings of its banking and financial subsidiaries. Key revenue streams include: (1) Net interest income: interest earned on loans and other interest-bearing assets (such as securities) minus interest ...
Juroku Financial Group,Inc. Financial Statement Overview
Summary
Income Statement
75
Positive
Balance Sheet
60
Neutral
Cash Flow
70
Positive
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 135.52B | 131.89B | 128.00B | 111.80B | 116.28B | 105.06B |
| Gross Profit | 123.97B | 120.72B | 120.69B | 107.55B | 108.46B | 100.52B |
| EBITDA | 30.66B | 34.53B | 31.53B | 30.49B | 30.46B | 26.55B |
| 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 | 741.71B | 706.64B | 687.58B | 651.20B | 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 | 0.00 | 0.00 | -1.37T | 0.00 | 19.28B |
| Operating Cash Flow | 0.00 | 0.00 | 0.00 | -1.37T | 0.00 | 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
Positive
7420.00
Price Trends
1884.53
Positive
1646.64
Positive
1353.08
Positive
Market Momentum
81.48
Negative
67.84
Neutral
76.06
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 above the 20-day moving average (MA) of 1929.95, above the 50-day MA of 1884.53, and above the 200-day MA of 1353.08, indicating a bullish trend. The MACD of 81.48 indicates Negative momentum. The RSI at 67.84 is Neutral, neither overbought nor oversold. The STOCH value of 76.06 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | ¥367.64B | 7.80 | ― | 1.95% | 24.39% | 37.97% | |
76 Outperform | ¥376.00B | 9.60 | ― | 2.94% | 9.90% | 16.52% | |
71 Outperform | ¥381.87B | 6.86 | ― | 2.14% | 13.27% | 60.88% | |
68 Neutral | ¥472.68B | 11.65 | 3.95% | 2.19% | 12.38% | 17.62% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | ¥444.40B | 14.75 | ― | 1.50% | 21.64% | 43.65% | |
55 Neutral | ¥229.50B | -94.53 | ― | 2.38% | 33.44% | 57.44% |
* Financial Sector Average
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Juroku Financial Group,Inc. Corporate Events
Juroku Financial Group Lifts Year-End Dividend After Upgrading Earnings Outlook
Apr 23, 2026
Juroku Financial Group has approved an increased year-end dividend of ¥140 per share for the fiscal year ended March 31, 2026, up from the previous forecast of ¥100 and the prior-year payout of ¥100. The decision, based on revised f...
Juroku Financial Group Lifts Full-Year Profit and Income Forecasts
Apr 23, 2026
Juroku Financial Group has raised its full-year consolidated forecasts for the fiscal year ended March 31, 2026, citing stronger-than-expected net interest income and higher gains on sale of shares at core unit The Juroku Bank. The company now pro...
Juroku Financial Group to Launch Chief Officer System to Bolster Governance
Apr 23, 2026
Juroku Financial Group will introduce a new Chief Officer System in June 2026 to reinforce its group-wide management framework ahead of key milestones in fiscal 2027. The move is designed to separate management oversight from execution, clarify li...
Juroku Financial Group Unveils Leadership Reshuffle Across Holding Company and Core Bank
Apr 23, 2026
Juroku Financial Group has announced a slate of management changes at both the holding company and core banking subsidiary, The Juroku Bank, to take effect after shareholder approval on June 19, 2026. The reshuffle elevates existing executives, wi...
Juroku Financial Group Overhauls Top Management to Strengthen Governance
Apr 23, 2026
Juroku Financial Group and its main subsidiary, The Juroku Bank, announced a slate of leadership changes to their representative directors, effective June 19, 2026, pending shareholder and board approvals. The moves include the retirement of Chair...
Juroku Financial Group to Book ¥11.6 Billion Gain on Sale of IBIDEN Shares
Mar 5, 2026
Juroku Financial Group has disclosed that its core banking subsidiary, The Juroku Bank, will sell 1,740,000 shares of IBIDEN Co., Ltd. in a secondary offering, at an offering price of ¥7,314 per share for total proceeds of ¥12,726 millio...
Juroku Financial Group to Book Gain From Sale of IBIDEN Shares
Feb 25, 2026
Juroku Financial Group said its core unit, The Juroku Bank, will sell 1,740,000 shares of IBIDEN Co., Ltd. common stock through a secondary public offering as part of a strategy to reduce cross-shareholdings. The move aligns with broader governanc...
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.