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Hokkoku Financial Holdings,Inc. (JP:7381)
:7381
Japanese Market

Hokkoku Financial Holdings,Inc. (7381) AI Stock Analysis

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JP

Hokkoku Financial Holdings,Inc.

(7381)

Rating:61Neutral
Price Target:
Hokkoku Financial Holdings, Inc. shows strong profitability and a reasonable valuation but faces challenges with revenue growth, cash flow, and technical analysis indicators. The stock's bearish technical trend and moderate leverage further weigh on its overall performance. Improvements in cash flow generation and asset utilization could enhance the company's financial standing.

Hokkoku Financial Holdings,Inc. (7381) vs. iShares MSCI Japan ETF (EWJ)

Hokkoku Financial Holdings,Inc. Business Overview & Revenue Model

Company DescriptionHokkoku Financial Holdings, Inc. (7381) is a financial services holding company based in Japan, primarily engaged in providing a broad range of banking and financial solutions. The company operates through its subsidiaries, which include regional banks and financial service companies. It offers services such as retail banking, corporate banking, asset management, leasing, and other financial-related services. Hokkoku Financial Holdings focuses on serving both individual and corporate clients, leveraging its regional presence to deliver tailored financial products and services.
How the Company Makes MoneyHokkoku Financial Holdings, Inc. generates revenue through its diverse financial services portfolio. The company's primary revenue streams include interest income from loans and mortgages provided to individual and corporate clients, as well as fees and commissions from banking services like asset management, leasing, and financial advisory. Additionally, the company earns income from its investment activities and securities trading. By maintaining a strong regional presence, Hokkoku Financial Holdings benefits from local market knowledge and customer relationships, which are crucial for cross-selling products and services. Strategic partnerships with other financial institutions and businesses also play a role in expanding its client base and revenue potential.

Hokkoku Financial Holdings,Inc. Financial Statement Overview

Summary
Income Statement
Balance Sheet
Cash Flow
Breakdown
TTMMar 2024Mar 2023Mar 2022Mar 2021Mar 2020
Income StatementTotal Revenue
75.53B65.87B76.81B80.30B74.15B71.44B
Gross Profit
72.53B65.87B76.81B80.30B74.15B71.44B
EBIT
23.77B13.95B14.26B15.71B12.64B12.97B
EBITDA
5.80B0.0018.75B20.28B16.07B16.32B
Net Income Common Stockholders
6.68B9.05B8.74B9.39B6.75B7.31B
Balance SheetCash, Cash Equivalents and Short-Term Investments
1.35T1.58T1.35T1.61T1.48T1.39T
Total Assets
5.87T5.76T5.60T5.71T5.52T5.10T
Total Debt
513.66B767.50B578.87B794.96B1.11T1.08T
Net Debt
-832.56B-1.58T-775.99B-812.91B-377.87B-312.80B
Total Liabilities
5.63T5.51T578.87B794.96B5.24T4.86T
Stockholders Equity
230.37B244.22B229.64B256.56B278.46B233.59B
Cash FlowFree Cash Flow
0.00-65.42B-134.00B288.90B116.49B17.94B
Operating Cash Flow
0.00-53.33B-128.95B294.12B122.30B22.41B
Investing Cash Flow
0.0051.41B-117.36B-149.14B-268.81B23.76B
Financing Cash Flow
0.00134.05B-10.42B-5.70B230.71B82.96B

Hokkoku Financial Holdings,Inc. Technical Analysis

Technical Analysis Sentiment
Negative
Last Price4775.00
Price Trends
50DMA
4987.10
Negative
100DMA
5172.29
Negative
200DMA
4982.63
Negative
Market Momentum
MACD
-50.77
Positive
RSI
41.54
Neutral
STOCH
5.12
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:7381, the sentiment is Negative. The current price of 4775 is below the 20-day moving average (MA) of 4869.75, below the 50-day MA of 4987.10, and below the 200-day MA of 4982.63, indicating a bearish trend. The MACD of -50.77 indicates Positive momentum. The RSI at 41.54 is Neutral, neither overbought nor oversold. The STOCH value of 5.12 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for JP:7381.

Hokkoku Financial Holdings,Inc. Peers Comparison

Overall Rating
UnderperformOutperform
Sector (64)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
73
Outperform
¥920.74B12.376.30%3.41%9.28%20.48%
71
Outperform
¥341.81B8.95
1.44%21.04%20.47%
71
Outperform
$178.27B9.653.81%0.02%7.03%8.58%
70
Outperform
$758.15B10.357.30%0.02%15.35%-1.62%
69
Neutral
$462.27B10.407.63%4.22%-4.47%30.59%
64
Neutral
$12.85B9.817.79%78.20%12.23%-7.93%
61
Neutral
¥106.70B13.45
2.51%-15.64%-3.58%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
JP:7381
Hokkoku Financial Holdings,Inc.
4,780.00
-212.09
-4.25%
JP:8377
Hokuhoku Financial Group, Inc.
2,765.00
764.68
38.23%
JP:8334
Gunma Bank
1,166.50
228.86
24.41%
JP:8354
Fukuoka Financial Group
3,918.00
-68.72
-1.72%
JP:8331
Chiba Bank
1,286.00
-28.40
-2.16%
JP:8368
Hyakugo Bank
699.00
45.61
6.98%

Hokkoku Financial Holdings,Inc. Corporate Events

Hokkoku Financial Holdings Announces Stock Split to Expand Investor Base
Apr 30, 2025

Hokkoku Financial Holdings, Inc. announced a stock split to make its shares more accessible to investors, aiming to expand its investor base. The stock split will increase the total number of issued shares significantly, and the company’s Articles of Incorporation will be amended to reflect the increased number of authorized shares.

Hokkoku Financial Holdings to Repurchase and Cancel Shares
Apr 30, 2025

Hokkoku Financial Holdings, Inc. announced its board’s decision to repurchase and cancel its own shares to enhance capital flexibility and implement shareholder return policies. This move is aimed at adapting to changes in the management environment and preparing for share allocations for directors and employees, potentially impacting the company’s stock value and shareholder equity.

Hokkoku Financial Holdings Updates Strategy and Shareholder Policy
Apr 30, 2025

Hokkoku Financial Holdings, Inc. has updated its medium-term business strategy and revised its shareholder return policy to adapt to changing market conditions. The company aims to improve its return on equity (ROE) by enhancing operational efficiency and expanding earnings in both traditional banking and new business areas. The revised policy shifts from a total return ratio to a dividend payout ratio, targeting sustainable profit growth and more stable shareholder returns.

Hokkoku Financial Holdings Reports Decline in FY2025 Results, Announces Stock Split
Apr 30, 2025

Hokkoku Financial Holdings, Inc. reported a decrease in its consolidated financial results for the fiscal year ended March 31, 2025, with ordinary income and profit attributable to owners of the parent both declining compared to the previous year. The company announced a stock split and forecasted improved financial performance for the fiscal year ending March 31, 2026, indicating potential positive impacts on shareholder value and market positioning.

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.