Aichi Financial Group, Inc. (JP:7389)
:7389
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Aichi Financial Group, Inc.
(7389)
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Rating:69Neutral
Price Target:
¥1,486.00
▼(-67.70% Downside)
Action:Downgraded
Date:05/17/26
The score is primarily driven by improving financial results into FY2026, offset by historical earnings and cash-flow volatility that reduces confidence in consistency. Technicals are constructive with an overall uptrend and balanced momentum, and valuation is supportive due to the low P/E, though the dividend yield is only modest.
Positive Factors
Revenue & Margin Improvement
Sustained revenue acceleration into FY2026 with materially higher net and EBIT margins points to improving core banking profitability. Over the next several quarters this stronger earnings base can fund credit loss buffers, strategic investment and support more predictable internal cash generation.
Negative Factors
Earnings Volatility & One-offs
Historic one-off driven spikes and wide profit swings undermine confidence in recurring earnings power. Persistent volatility complicates forecasting, capital planning and dividend policies, reducing reliability of reported profits as a guide for long-term credit supply and shareholder returns.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue & Margin Improvement
Sustained revenue acceleration into FY2026 with materially higher net and EBIT margins points to improving core banking profitability. Over the next several quarters this stronger earnings base can fund credit loss buffers, strategic investment and support more predictable internal cash generation.
Read all positive factors
Aichi Financial Group, Inc. (7389) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥333.25B
Dividend Yield2.14%
Average Volume (3M)152.68K
Price to Earnings (P/E)―
Beta (1Y)1.10
Revenue Growth19.10%
EPS Growth141.03%
CountryJP
Employees2,351
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)32.24
Shares Outstanding245,623,350
10 Day Avg. Volume230,320
30 Day Avg. Volume152,680
Financial Highlights & Ratios
PEG Ratio0.11
Price to Book (P/B)0.78
Price to Sales (P/S)2.91
P/FCF Ratio8.89
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
Aichi Financial Group, Inc. Business Overview & Revenue Model
Company Description
Aichi Financial Group, Inc., through with its subsidiaries, provides various banking products and services in Japan. It offers deposit services, lending services, domestic exchange services, foreign exchange services, and over-the-counter sales of...
How the Company Makes Money
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Aichi Financial Group, Inc. Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
64
Positive
Cash Flow
52
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 90.46B | 115.08B | 95.37B | 83.26B | 68.75B |
| Gross Profit | 90.46B | 93.90B | 87.39B | 79.78B | 66.76B |
| EBITDA | 995.00M | 33.35B | 14.34B | 15.13B | 84.64B |
| Net Income | 7.90B | 21.81B | 9.10B | 8.29B | 81.81B |
Balance Sheet | |||||
| Total Assets | 6.87T | 7.17T | 6.80T | 6.83T | 6.79T |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 790.70B | 612.64B | 605.15B | 712.78B |
| Total Debt | 404.60B | 547.70B | 415.93B | 717.07B | 1.04T |
| Total Liabilities | 6.51T | 6.74T | 6.45T | 6.45T | 6.46T |
| Stockholders Equity | 366.65B | 430.98B | 353.81B | 379.53B | 318.93B |
Cash Flow | |||||
| Free Cash Flow | 0.00 | 37.67B | 37.96B | -165.12B | 26.22B |
| Operating Cash Flow | 0.00 | 40.77B | -105.08B | -160.57B | 28.82B |
| Investing Cash Flow | 0.00 | 9.92B | 117.58B | 64.78B | 33.03B |
| Financing Cash Flow | 0.00 | 128.87B | -4.96B | -12.10B | 91.91B |
Aichi Financial Group, Inc. Technical Analysis
Neutral
4600.00
Price Trends
1455.32
Negative
1288.34
Positive
1005.23
Positive
Market Momentum
-28.64
Positive
37.92
Neutral
15.16
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:7389, the sentiment is Neutral. The current price of 4600 is above the 20-day moving average (MA) of 1462.85, above the 50-day MA of 1455.32, and above the 200-day MA of 1005.23, indicating a neutral trend. The MACD of -28.64 indicates Positive momentum. The RSI at 37.92 is Neutral, neither overbought nor oversold. The STOCH value of 15.16 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for JP:7389.
Aichi Financial Group, Inc. Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
71 Outperform | ¥374.76B | 13.81 | ― | 2.94% | 14.34% | 213.31% | |
70 Outperform | ¥271.50B | 12.51 | 7.61% | 3.81% | 17.66% | 24.57% | |
70 Outperform | ¥300.53B | 15.46 | ― | 2.27% | 26.67% | 31.83% | |
69 Neutral | ¥333.25B | -0.79 | ― | 2.14% | 19.10% | 141.03% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | ¥283.32B | 14.92 | ― | 2.55% | 18.30% | 38.04% | |
64 Neutral | ¥348.83B | 8.58 | ― | 1.95% | 17.98% | 32.53% |
* Financial Sector Average
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Aichi Financial Group, Inc. Corporate Events
Aichi Financial Group overhauls board and audit lineup across group
May 15, 2026
Aichi Financial Group and its core subsidiary Aichi Bank have announced a slate of board changes, naming several new outside directors and audit and supervisory committee members while confirming the retirement of existing committee members. The a...
Aichi Financial Group Raises Profit and ROE Targets in Medium-Term Plan
May 15, 2026
Aichi Financial Group has revised upward the key numerical targets in its second medium-term business plan covering April 2025 to March 2028. The move reflects steady progress under the plan and a domestic interest-rate environment that has remain...
Aichi Financial Group Posts 23.9% Jump in Full-Year Ordinary Income
May 15, 2026
Aichi Financial Group reported a significant improvement in its full-year consolidated results for the fiscal year ended March 31, 2026, underscoring stronger earnings from its core financial operations. As a regional banking group with a focus on...
Aichi Financial Group Posts Profit Surge and Strong Cash Flows for FY 2026
May 15, 2026
Aichi Financial Group reported a sharp rebound in earnings for the year ended March 31, 2026, with ordinary income rising 23.9% to ¥125.1 billion and profit attributable to owners of the parent surging 139.7% to ¥21.8 billion. Profitabil...
Aichi Financial Group and San ju San Financial Group Agree on Merger Framework
May 13, 2026
Aichi Financial Group, Inc. and San ju San Financial Group, Inc. have each developed as trusted regional financial groups, supporting businesses and communities in Aichi and Mie, two core manufacturing prefectures in Japan’s Tokai industrial...
Aichi Financial Group Clarifies Media Reports as Board Approves Business Integration Framework
May 13, 2026
Aichi Financial Group, Inc. stated that recent media reports claiming it is in negotiations for a business integration with San ju San Financial Group, Inc. were not based on any formal announcement by the company. The group clarified that its boa...
Aichi Financial Group Lifts Profit Outlook and Hikes Dividend Forecast
Mar 26, 2026
Aichi Financial Group has raised its consolidated earnings outlook for the fiscal year ending March 31, 2026, reflecting stronger-than-expected interest income on loans and bills discounted, as well as improved securities-related gains at its core...
Aichi Financial Group Revamps Organization and Leadership to Strengthen Governance and Sales
Mar 11, 2026
Aichi Financial Group and its core unit Aichi Bank are overhauling their organizational structure from April 1, 2026, splitting compliance and risk management into separate departments at both the holding company and the bank, and reorganizing pla...
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.