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

• Market Cap: ¥358.86B
• Dividend Yield: 2.94%
• Average Volume (3M): 83.90K
• Price to Earnings (P/E): 14.7
• Beta (1Y): 1.12
• 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: 76 Outperform
• Price Target: ¥10,335.00 ▲(39.29% Upside)
• Action: Upgraded Date: 02/14/26
• Date: Action: Upgraded 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

Diversified Business Model

Juroku's presence across retail banking, asset management and advisory creates multiple durable revenue streams (interest, fees, management fees). This diversification reduces single-segment exposure, supports cross-sell, and helps stabilize earnings across economic cycles over the next several months.

Consistent Revenue Growth

Sustained ~9% top-line growth signals underlying demand for loans and fee services and provides room to scale operations. Over 2–6 months this growth supports reinvestment, branch/service expansion, and incremental profitability if cost control holds, indicating durable business momentum.

Significant Free Cash Flow Improvement

A major swing to positive free cash flow and FCF near net income implies the company now converts earnings into cash reliably. This strengthens liquidity for debt repayment, capital investment, dividends or M&A, enhancing financial flexibility and reducing financing risk over the medium term.

Negative Factors

High Leverage

A debt-to-equity ratio of 1.69 indicates elevated reliance on debt financing. Over several months, higher leverage raises interest expense sensitivity and reduces capital flexibility, making the bank more vulnerable to rate rises or funding stress and limiting strategic optionality.

Modest Return on Equity

ROE under 5% suggests the business generates limited profit per unit of shareholder capital. Structurally this constrains long-term shareholder returns and raises questions about capital allocation efficiency versus peers, potentially limiting ability to attract equity investment or grow dividends sustainably.

Pressure on Core Margins

Declining EBIT/EBITDA margins point to rising operating costs or compression in core banking spreads. If these trends persist, margin erosion could offset revenue gains, constraining net income expansion and cash generation, and representing a structural profitability risk over the medium term.

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

Good revenue growth (9.28%) and a healthy net profit margin (17.50%) support the score. This is tempered by weaker operating efficiency (declining EBIT/EBITDA margins), higher leverage (debt-to-equity up to 1.69), and a low operating cash flow to net income ratio despite improved free cash flow.

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	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021
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 9280.50, below the 50-day MA of 8233.60, and above the 200-day MA of 6079.10, indicating a bullish trend. The MACD of 452.93 indicates Positive momentum. The RSI at 67.79 is Neutral, neither overbought nor oversold. The STOCH value of 70.32 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
7173	80 Outperform	¥335.18B	8.81	―	1.95%	19.69%	50.61%
7380	76 Outperform	¥358.86B	14.70	―	2.94%	1.91%	9.73%
8524	72 Outperform	¥376.40B	13.62	―	3.01%	19.69%	70.91%
8370	71 Outperform	¥269.26B	12.54	7.61%	3.81%	17.68%	20.15%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
7389	67 Neutral	¥301.33B	17.44	―	2.14%	5.99%	21.09%
8368	64 Neutral	¥389.76B	19.14	3.95%	2.19%	9.29%	28.34%

Juroku Financial Group,Inc. Corporate Events

Juroku Financial Group Announces 5-for-1 Share Split and Enhanced Shareholder Benefits to Broaden Investor Base

Juroku Financial Group, Inc. has approved a 5-for-1 common share split effective April 1, 2026, aiming to lower the investment unit price, enhance share liquidity, and make its stock more accessible to a wider range of investors; the total number of issued shares will increase from 37,924,134 to 189,620,670, and the total number of authorized shares will be raised to 400 million through a partial amendment of the Articles of Incorporation. In tandem with the split, the group is enhancing its shareholder benefit program by easing the effective investment threshold needed to qualify for benefits—doubling the required shareholdings instead of multiplying them fivefold—so that the monetary amount needed to obtain summer and winter perks such as mineral water and local specialty gift catalogs is reduced to roughly two-fifths of the current level, a move expected to bolster the attractiveness of holding its shares and potentially expand its retail shareholder base.

The most recent analyst rating on (JP:7380) stock is a Hold with a Yen8723.00 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 Delivers Higher Nine-Month Profits and Hikes Dividend Payout

For the nine months ended December 31, 2025, Juroku Financial Group reported strong consolidated results under Japanese GAAP, with ordinary income rising 20.0% year on year to ¥113.1 billion, ordinary profit increasing 11.5% to ¥26.4 billion, and profit attributable to owners of parent up 16.5% to ¥18.1 billion, lifting basic earnings per share to ¥505.47. The group’s total assets grew to ¥7.69 trillion and equity-to-asset ratio improved to 6.0%, while it maintained its full-year forecast of ¥34.8 billion in ordinary profit and ¥23.5 billion in profit attributable to owners of parent, and plans to raise annual dividends from ¥180 to ¥200 per share, signaling confidence in earnings strength and a continued focus on shareholder returns.

The most recent analyst rating on (JP:7380) stock is a Hold with a Yen8723.00 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 Makes Regional Succession Fund a Specified Subsidiary

Juroku Financial Group, Inc. has designated the “Juroku Management Succession Support No.2 Limited Partnership for Investment,” a 10 billion yen fund established in August 2025 and managed by its consolidated subsidiary NOBUNAGA Capital Village, as a specified subsidiary after its investment exceeded 10% of the group’s capital. The fund, largely financed by The Juroku Bank, Ltd., is designed to support capital restructuring and management succession for regional companies facing intensifying global competition, rapid technological change and succession challenges, aiming to sustain local employment and revitalization, while the company expects only a minor impact on its consolidated financial results from this change.

The most recent analyst rating on (JP:7380) stock is a Hold with a Yen8723.00 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 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.