tiprankstipranks
Trending News
More News >
Hokkoku Financial Holdings,Inc. (JP:7381)
:7381
Japanese Market
Advertisement

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

Compare
1 Followers

Top Page

JP:7381

Hokkoku Financial Holdings,Inc.

(7381)

Rating:69Neutral
Price Target:
¥6,730.00
▲(9.08% Upside)
The overall stock score of 68.5 reflects a balance of positive technical indicators and reasonable valuation against mixed financial performance. The stock's bullish momentum and fair valuation are significant strengths, while concerns about declining profitability and high leverage weigh on the score.

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 diversified financial services company based in Japan, primarily engaged in banking, securities, and insurance services. The company operates through various subsidiaries, providing a wide range of financial products including commercial banking services, investment advisory, asset management, and life and non-life insurance solutions. Hokkoku Financial Holdings aims to enhance financial accessibility and support the economic growth of its clientele by offering tailored financial solutions.
How the Company Makes MoneyHokkoku Financial Holdings generates revenue through multiple streams primarily derived from its banking operations, which include interest income from loans and mortgages, as well as fees from account management and transaction services. Additionally, the company earns revenue from its securities division through brokerage fees, asset management fees, and commissions on investment products. The insurance segment contributes to the revenue through premiums collected from policyholders. Strategic partnerships with other financial institutions and investment firms enhance the company's offerings and expand its customer base, further supporting its earnings. Overall, the diversified financial services model allows Hokkoku Financial Holdings to mitigate risks and capitalize on various market opportunities.

Hokkoku Financial Holdings,Inc. Financial Statement Overview

Summary
Hokkoku Financial Holdings, Inc. demonstrates a mixed financial performance. While revenue growth is strong at 12.87%, declining profit margins and high leverage are concerns. The net profit margin decreased to 10.87%, and the debt-to-equity ratio increased to 5.59, indicating financial vulnerability. Cash flow shows some positive trends with a healthy free cash flow to net income ratio of 0.75, but past volatility suggests caution.
Income Statement
65
Positive
The income statement shows a mixed performance. The company experienced a revenue growth rate of 12.87% in the most recent year, indicating a positive trend. However, the net profit margin decreased from 13.75% to 10.87%, suggesting a decline in profitability. The EBIT and EBITDA margins also showed a significant drop, which could be a concern for operational efficiency.
Balance Sheet
55
Neutral
The balance sheet reveals high leverage with a debt-to-equity ratio increasing to 5.59, which poses a risk. The return on equity is relatively stable at around 3.83%, but the equity ratio is low, indicating potential financial vulnerability. Overall, the balance sheet reflects a cautious outlook due to high debt levels.
Cash Flow
60
Neutral
Cash flow analysis shows improvement with a positive free cash flow growth rate, although the operating cash flow to net income ratio is low at 0.032. The free cash flow to net income ratio is healthy at 0.75, suggesting good cash conversion. However, past volatility in cash flows indicates potential instability.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue72.71B85.25B86.83B73.81B80.79B74.15B
Gross Profit69.72B73.41B77.19B76.81B65.62B64.20B
EBITDA10.25B1.02B16.94B18.75B20.28B11.96B
Net Income8.12B8.12B9.05B8.74B9.39B6.75B
Balance Sheet
Total Assets6.39T6.39T5.76T5.60T5.71T5.52T
Cash, Cash Equivalents and Short-Term Investments1.65T1.65T1.58T1.35T1.61T1.48T
Total Debt1.19T1.19T448.86B578.87B794.96B1.11T
Total Liabilities6.17T6.17T5.51T5.37T5.45T5.24T
Stockholders Equity212.02B212.02B244.22B229.64B256.56B278.46B
Cash Flow
Free Cash Flow0.0028.47B-58.24B-134.00B288.90B116.49B
Operating Cash Flow0.0037.91B-48.90B-128.95B294.12B122.30B
Investing Cash Flow0.00-412.50B51.41B-117.36B-149.14B-268.81B
Financing Cash Flow0.00199.38B306.37B-10.42B-5.70B230.71B

Hokkoku Financial Holdings,Inc. Technical Analysis

Technical Analysis Sentiment
Positive
Last Price6170.00
Price Trends
50DMA
5470.40
Positive
100DMA
5195.25
Positive
200DMA
5224.41
Positive
Market Momentum
MACD
207.93
Positive
RSI
65.27
Neutral
STOCH
48.89
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:7381, the sentiment is Positive. The current price of 6170 is above the 20-day moving average (MA) of 6019.00, above the 50-day MA of 5470.40, and above the 200-day MA of 5224.41, indicating a bullish trend. The MACD of 207.93 indicates Positive momentum. The RSI at 65.27 is Neutral, neither overbought nor oversold. The STOCH value of 48.89 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:7381.

Hokkoku Financial Holdings,Inc. Peers Comparison

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
78
Outperform
¥127.91B9.46
2.98%5.74%10.39%
76
Outperform
¥146.50B12.92
2.39%6.37%-11.55%
74
Outperform
¥130.70B8.32
2.87%-7.59%76.05%
71
Outperform
¥140.34B10.14
2.20%-6.76%34.71%
70
Outperform
¥134.56B10.85
2.59%3.78%1.63%
69
Neutral
¥137.87B12.28
1.94%-4.66%144.51%
68
Neutral
$17.89B11.9510.28%3.72%9.74%1.61%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
JP:7381
Hokkoku Financial Holdings,Inc.
6,170.00
1,363.53
28.37%
JP:8336
Musashino Bank, Ltd.
3,865.00
1,056.95
37.64%
JP:8361
Ogaki Kyoritsu Bank, Ltd.
3,140.00
1,232.68
64.63%
JP:8386
Hyakujushi Bank, Ltd.
4,990.00
2,375.88
90.89%
JP:8388
Awa Bank, Ltd.
3,470.00
958.12
38.14%
JP:8544
Keiyo Bank, Ltd.
1,212.00
467.74
62.85%

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.Date of analysis: Aug 29, 2025