Juroku Financial Group,Inc. (JP:7380)
:7380
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Juroku Financial Group,Inc.
(7380)
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Rating:76Outperform
Price Target:
¥11,634.00
▲(56.79% Upside)
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 & Profitability
Sustained ~9% revenue growth combined with a 17.5% net margin indicates the core banking franchise is growing while remaining profitable. Over 2–6 months this supports reinvestment, stable internal funding for initiatives, and resiliency in earnings versus peers.
Negative Factors
Rising Leverage
A debt-to-equity ratio near 1.7 signals greater reliance on debt financing, reducing financial flexibility. Over months this raises interest cost sensitivity and constrains capital deployment, increasing vulnerability to rate moves or adverse credit events.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue & Profitability
Sustained ~9% revenue growth combined with a 17.5% net margin indicates the core banking franchise is growing while remaining profitable. Over 2–6 months this supports reinvestment, stable internal funding for initiatives, and resiliency in earnings versus peers.
Read all positive factors
Juroku Financial Group,Inc. (7380) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥355.64B
Dividend Yield2.94%
Average Volume (3M)83.90K
Price to Earnings (P/E)9.6
Beta (1Y)1.14
Revenue Growth1.91%
EPS Growth9.73%
CountryJP
Employees2,451
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)37.51
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
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 ...
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
1821.57
Positive
1582.08
Positive
1312.70
Positive
Market Momentum
29.54
Negative
60.35
Neutral
81.01
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 7420 is above the 20-day moving average (MA) of 1827.17, above the 50-day MA of 1821.57, and above the 200-day MA of 1312.70, indicating a bullish trend. The MACD of 29.54 indicates Negative momentum. The RSI at 60.35 is Neutral, neither overbought nor oversold. The STOCH value of 81.01 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | ¥369.76B | 7.80 | ― | 1.95% | 19.69% | 50.61% | |
76 Outperform | ¥355.64B | 9.60 | ― | 2.94% | 1.91% | 9.73% | |
68 Neutral | ¥449.86B | 11.65 | 3.95% | 2.19% | 9.29% | 28.34% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | ¥386.54B | 6.86 | ― | 2.14% | 5.99% | 21.09% | |
65 Neutral | ¥232.44B | 8.99 | ― | 2.38% | 8.43% | 38.21% | |
65 Neutral | ¥485.46B | 14.75 | ― | 1.50% | 15.79% | 78.27% |
* Financial Sector Average
JP:7380
Juroku Financial Group,Inc.
2,008.00
1,186.85
144.54%
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113.62%
Juroku Financial Group,Inc. Corporate Events
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...
Juroku Financial Group Announces 5-for-1 Share Split and Enhanced Shareholder Benefits to Broaden Investor Base
Jan 29, 2026
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 ...
Juroku Financial Group Delivers Higher Nine-Month Profits and Hikes Dividend Payout
Jan 29, 2026
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 bil...
Juroku Financial Group Makes Regional Succession Fund a Specified Subsidiary
Jan 27, 2026
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 Capita...
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.