Kiyo Bank Ltd (JP:8370)
:8370
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Kiyo Bank
(8370)
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Rating:70Outperform
Price Target:
¥4,923.00
▲(44.79% Upside)
Action:Reiterated
Date:05/15/26
The score is driven primarily by moderate financial performance—improving earnings but constrained by leverage and inconsistent cash flow—while strong technical uptrend signals and attractive valuation (low P/E and solid dividend yield) provide meaningful support.
Positive Factors
Steady revenue and profit growth
Kiyo Bank has shown multi-year revenue growth and rising net income into 2026, evidencing improving core earnings. Durable revenue and profit improvements support sustained net interest and fee income, enabling reinvestment in lending capacity and branch/digital distribution over months.
Negative Factors
Elevated leverage
Meaningful leverage increases financial vulnerability and reduces strategic flexibility. High debt relative to equity heightens sensitivity to interest rates and asset-quality deterioration, constraining capital allocation, dividends, and expansions absent stronger equity accumulation over multiple quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Steady revenue and profit growth
Kiyo Bank has shown multi-year revenue growth and rising net income into 2026, evidencing improving core earnings. Durable revenue and profit improvements support sustained net interest and fee income, enabling reinvestment in lending capacity and branch/digital distribution over months.
Read all positive factors
Kiyo Bank (8370) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥289.11B
Dividend Yield3.81%
Average Volume (3M)177.54K
Price to Earnings (P/E)11.3
Beta (1Y)0.98
Revenue Growth17.66%
EPS Growth24.57%
CountryJP
Employees2,352
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)314.52
Shares Outstanding67,300,000
10 Day Avg. Volume144,490
30 Day Avg. Volume177,540
Financial Highlights & Ratios
PEG Ratio0.45
Price to Book (P/B)0.99
Price to Sales (P/S)2.40
P/FCF Ratio14.13
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
Kiyo Bank Business Overview & Revenue Model
Company Description
The Kiyo Bank, Ltd. provides various banking products and services to individuals, corporates, and business customers in Japan. It offers Yen, time, and foreign currency deposits; personal, home, mortgage, card, purpose, education-related, and fre...
How the Company Makes Money
Kiyo Bank makes money primarily through (1) net interest income and (2) non-interest income (fees and commissions), with additional contributions from securities and other financial operations.
1) Net interest income (core earnings driver)
- Inte...
Kiyo Bank Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
58
Neutral
Cash Flow
45
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 96.60B | 102.39B | 92.70B | 77.82B | 80.93B | 78.02B |
| Gross Profit | 86.59B | 87.84B | 85.30B | 74.86B | 76.71B | 73.15B |
| EBITDA | 26.97B | 33.34B | 26.50B | 22.92B | 7.45B | 26.75B |
| Net Income | 20.21B | 21.82B | 17.62B | 15.02B | 3.92B | 15.46B |
Balance Sheet | ||||||
| Total Assets | 6.00T | 6.12T | 5.93T | 5.83T | 5.48T | 5.88T |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 846.23B | 807.02B | 983.68B | 1.00T | 1.38T |
| Total Debt | 932.08B | 848.33B | 882.76B | 856.00B | 530.31B | 1.99T |
| Total Liabilities | 5.76T | 5.87T | 5.69T | 5.59T | 5.26T | 5.64T |
| Stockholders Equity | 241.42B | 247.54B | 235.19B | 237.15B | 222.02B | 241.14B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 17.37B | 45.99B | 0.00 | -585.29B | 72.24B |
| Operating Cash Flow | 0.00 | 20.19B | 48.82B | 0.00 | -582.29B | 75.53B |
| Investing Cash Flow | 0.00 | -151.46B | 16.95B | -130.55B | 214.64B | 87.36B |
| Financing Cash Flow | 0.00 | 161.95B | 45.50B | 89.70B | -5.61B | -4.57B |
Kiyo Bank Technical Analysis
Positive
3400.00
Price Trends
4088.55
Positive
3891.47
Positive
3378.92
Positive
Market Momentum
123.15
Negative
65.05
Neutral
79.32
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8370, the sentiment is Positive. The current price of 3400 is below the 20-day moving average (MA) of 4244.00, below the 50-day MA of 4088.55, and above the 200-day MA of 3378.92, indicating a bullish trend. The MACD of 123.15 indicates Negative momentum. The RSI at 65.05 is Neutral, neither overbought nor oversold. The STOCH value of 79.32 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:8370.
Kiyo Bank Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
71 Outperform | ¥267.96B | 14.34 | ― | 2.53% | 16.63% | 19.98% | |
70 Outperform | ¥289.11B | 11.25 | 7.61% | 3.81% | 17.66% | 24.57% | |
70 Outperform | ¥331.33B | 13.05 | ― | 2.27% | 26.67% | 31.83% | |
69 Neutral | ¥287.33B | 12.97 | ― | 3.46% | 11.64% | 26.63% | |
68 Neutral | ¥287.48B | 15.26 | ― | 2.13% | 15.39% | 26.92% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | ¥291.65B | 12.58 | ― | 2.55% | 18.30% | 38.04% |
* Financial Sector Average
JP:8370
Kiyo Bank
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Kiyo Bank Corporate Events
Kiyo Bank Announces 3-for-1 Stock Split and New Shareholder Benefit Program
May 14, 2026
The Kiyo Bank, Ltd. has approved a three-for-one stock split effective October 1, 2026, tripling its issued shares to 201.9 million and raising authorized shares to 360 million to lower the minimum investment amount. The move is designed to improv...
Kiyo Bank Delivers Strong FY 2026 Earnings, Lifts Dividend and Plans Stock Split
May 14, 2026
Kiyo Bank reported strong consolidated results for the fiscal year ended March 31, 2026, with ordinary income rising 16.4% to ¥114.9 billion and ordinary profit climbing 38.9% to ¥32.4 billion. Profit attributable to owners of the parent...
Kiyo Bank Lifts Earnings Outlook and Boosts Dividend on Stronger Core Income
Apr 27, 2026
Kiyo Bank has raised its consolidated earnings forecasts for the fiscal year ended March 31, 2026, citing stronger-than-expected interest income from loans and securities and lower credit costs. The bank now projects higher ordinary income, ordina...
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.