Resona Holdings (8308) AI Stock Analysis

• Market Cap: $3.43T
• Dividend Yield: 1.94%
• Average Volume (3M): 8.50M
• Price to Earnings (P/E): 14.1
• Beta (1Y): 1.25
• Revenue Growth: 14.71%
• EPS Growth: 29.60%
• Country: JP
• Employees: 19,721
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 30.77
• Shares Outstanding: 2,307,136,700
• 10 Day Avg. Volume: 9,452,730
• 30 Day Avg. Volume: 8,499,770
• PEG Ratio: 0.38
• Price to Book (P/B): 1.09
• Price to Sales (P/S): 3.08
• P/FCF Ratio: 4.07
• Enterprise Value/Market Cap: -1.71
• Enterprise Value/Revenue: -5.98
• Enterprise Value/Gross Profit: -5.98
• Enterprise Value/Ebitda: -19.38
• 1Y Price Target: $1,789.26
• Price Target Upside: 24.17% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

• Rating: 61 Neutral
• Price Target: ¥1,520.00 ▲(5.48% Upside)

Resona Holdings' overall stock score is driven by strong financial performance, despite high leverage and cash flow challenges. Technical indicators suggest bearish short-term momentum, while valuation metrics indicate moderate pricing. The lack of earnings call and corporate events data limits additional insights.

Resona Holdings Business Overview & Revenue Model

Company Description

Resona Holdings, Inc. (8308) is a prominent financial services group based in Japan, primarily engaged in banking, asset management, and other financial services. The company operates through several subsidiaries, including Resona Bank, Saitama Resona Bank, and Kansai Mirai Financial Group, providing a wide range of services that cater to individual, corporate, and small-to-medium enterprise (SME) clients. Core products and services include retail banking, corporate banking, investment services, and financial advisory, aimed at enhancing the financial well-being of its customers.

How the Company Makes Money

Resona Holdings generates revenue through various channels, primarily focusing on interest income from loans and advances made to customers, which is a significant portion of its earnings. The company also earns income from fees and commissions related to financial services, including asset management, investment advisory, and transaction services. Furthermore, Resona Holdings benefits from wealth management services and insurance products offered through its subsidiaries. Significant partnerships with other financial institutions and technology firms help enhance its service offerings and expand its customer base. The company's strategic focus on digital transformation and enhancing customer experience also contribute to its revenue growth.

Resona Holdings Financial Statement Overview

Summary

Resona Holdings shows strong revenue growth and profitability, with a stable net profit margin. However, high leverage and challenges in cash flow conversion present risks. The company needs to improve operational efficiency and reduce debt levels.

Income Statement

Resona Holdings has demonstrated consistent revenue growth over the years, with a notable 3.12% increase in the latest year. The net profit margin has remained stable around 21%, indicating strong profitability. However, the EBIT and EBITDA margins have shown some fluctuations, which could suggest variability in operational efficiency.

Balance Sheet

The company has a relatively high debt-to-equity ratio of 3.30, indicating significant leverage, which could pose risks in a volatile market. However, the return on equity has improved to 7.82%, reflecting better utilization of equity. The equity ratio remains low, suggesting a heavy reliance on debt financing.

Cash Flow

Resona Holdings has shown improvement in free cash flow, with a significant growth rate in the latest year. However, the operating cash flow to net income ratio is low, indicating potential challenges in converting income into cash. The free cash flow to net income ratio is strong, suggesting efficient cash generation relative to profits.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	982.45B	964.34B	769.43B	748.47B	751.17B	722.29B
Gross Profit	982.45B	964.34B	769.43B	748.47B	751.17B	722.29B
EBITDA	303.23B	262.62B	237.58B	263.59B	164.03B	0.00
Net Income	228.48B	213.32B	158.93B	160.40B	109.97B	124.48B
Balance Sheet
Total Assets	76.79T	77.37T	76.15T	74.81T	78.16T	73.70T
Cash, Cash Equivalents and Short-Term Investments	0.00	19.55T	20.92T	22.39T	28.00T	25.22T
Total Debt	3.60T	9.01T	5.62T	5.98T	11.77T	9.48T
Total Liabilities	73.98T	74.62T	73.37T	7.09T	75.70T	71.18T
Stockholders Equity	2.79T	2.73T	2.76T	2.52T	2.44T	2.32T
Cash Flow
Free Cash Flow	0.00	711.43B	138.35B	68.54B	-2.60T	50.62B
Operating Cash Flow	0.00	729.04B	151.32B	81.44B	-2.59T	60.78B
Investing Cash Flow	0.00	-3.26T	-2.25T	-2.27T	-47.93B	-3.14T
Financing Cash Flow	0.00	1.10T	581.49B	-3.47T	5.43T	12.97T

Resona Holdings Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 1441.00
• 50DMA: Negative
• 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:8308, the sentiment is Negative. The current price of 1441 is below the 20-day moving average (MA) of 1475.20, below the 50-day MA of 1480.77, and above the 200-day MA of 1277.71, indicating a neutral trend. The MACD of -6.57 indicates Positive momentum. The RSI at 45.85 is Neutral, neither overbought nor oversold. The STOCH value of 46.81 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for JP:8308.

Resona Holdings Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
8331	73 Outperform	$1.06T	13.36	6.63%	2.68%	11.33%	20.11%
7186	72 Outperform	$1.23T	14.16	6.86%	2.99%	13.73%	28.01%
8411	70 Outperform	$12.06T	13.00	8.69%	2.81%	-1.99%	23.19%
8309	68 Neutral	$2.90T	10.44	9.20%	3.82%	19.13%	160.69%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
6178	64 Neutral	¥4.31T	12.12	3.83%	3.45%	-2.48%	12.18%
8308	61 Neutral	$3.43T	14.12	8.46%	1.94%	14.71%	29.60%

Resona Holdings Corporate Events

Resona Holdings Finalizes Employee Share Benefit Trust and Treasury Stock Disposal

Resona Holdings has finalized details for an employee share benefit trust system aimed at enhancing employee motivation and corporate value. This involves the disposal of treasury stock through a third-party allotment, with shares allocated to the Custody Bank of Japan as part of the trust arrangement. The initiative is expected to have minimal impact on the stock market due to the small percentage of shares involved.

The most recent analyst rating on (JP:8308) stock is a Hold with a Yen1621.00 price target. To see the full list of analyst forecasts on Resona Holdings stock, see the JP:8308 Stock Forecast page.

Resona Holdings Reports Improved Capital Adequacy Ratios for June 2025

Resona Holdings announced an increase in its capital adequacy ratios as of June 30, 2025, reflecting a strengthened financial position. The consolidated capital adequacy ratio improved to 13.01%, with notable increases in total capital and risk-weighted assets across its subsidiaries. This improvement indicates a robust capital structure, enhancing the company’s capacity to absorb potential losses and maintain stability, which is crucial for stakeholders and market confidence.

The most recent analyst rating on (JP:8308) stock is a Hold with a Yen1250.00 price target. To see the full list of analyst forecasts on Resona Holdings stock, see the JP:8308 Stock Forecast page.

Resona Holdings Reports Strong Q1 2025 Financial Performance

Resona Holdings, Inc. is a prominent financial services group in Japan, primarily engaged in banking, trust asset management, and other financial services such as credit card administration and leasing. The company operates under the Japanese GAAP and is listed on the Tokyo Stock Exchange.

Resona Holdings Reports Strong Q1 2025 Financial Results

Resona Holdings reported a strong financial performance for the first quarter of fiscal year 2025, with significant increases in ordinary income, ordinary profits, and net income attributable to owners of the parent compared to the previous year. The company’s net assets have also seen a slight increase, reflecting a stable financial condition. The announcement indicates a positive trajectory for Resona Holdings, reinforcing its position in the financial services sector and providing confidence to stakeholders regarding its operational and financial stability.

The most recent analyst rating on (JP:8308) stock is a Hold with a Yen1250.00 price target. To see the full list of analyst forecasts on Resona Holdings stock, see the JP:8308 Stock Forecast page.