Kiyo Bank Ltd (JP:8370)
:8370
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Kiyo Bank
(8370)
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Rating:71Outperform
Price Target:
¥4,426.00
▲(30.18% Upside)
Action:ReiteratedDate:02/05/26
The score is driven primarily by solid financial performance (strong revenue growth and improved cash flow), tempered by elevated balance-sheet leverage and some margin pressure. Technicals remain trend-positive but overbought signals add near-term risk, while valuation is supportive with a moderate P/E and a healthy dividend yield.
Positive Factors
Revenue Growth
Sustained double-digit top-line growth indicates expanding loan volumes and fee income, supporting longer-term earnings power. Persistent revenue expansion provides scope to absorb cost shocks, fund credit provisioning and invest in digital or branch initiatives that reinforce franchise value over months.
Negative Factors
High Leverage
A leverage ratio of 3.75x heightens sensitivity to credit losses and interest-rate swings, constraining capital flexibility. Elevated leverage can force higher provisioning or capital-raising in stress, limiting the bank's ability to expand lending or take strategic risks without diluting returns or breaching regulatory buffers.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth
Sustained double-digit top-line growth indicates expanding loan volumes and fee income, supporting longer-term earnings power. Persistent revenue expansion provides scope to absorb cost shocks, fund credit provisioning and invest in digital or branch initiatives that reinforce franchise value over months.
Read all positive factors
Kiyo Bank (8370) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥267.98B
Dividend Yield3.81%
Average Volume (3M)177.54K
Price to Earnings (P/E)8.2
Beta (1Y)0.94
Revenue Growth17.68%
EPS Growth20.15%
CountryJP
Employees2,352
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)99.27
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)0.63
Price to Sales (P/S)1.61
P/FCF Ratio3.24
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 generates revenue primarily through the interest income earned from loans provided to individuals and businesses, which constitutes a significant portion of its earnings. Additionally, the bank earns fees from various services such as ac...
Kiyo Bank Financial Statement Overview
Summary
Income Statement
75
Positive
Balance Sheet
65
Positive
Cash Flow
70
Positive
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 96.60B | 92.70B | 77.82B | 80.93B | 78.02B | 72.06B |
| Gross Profit | 86.59B | 85.30B | 74.86B | 76.71B | 73.15B | 67.27B |
| EBITDA | 26.97B | 26.50B | 22.92B | 7.45B | 26.75B | 23.38B |
| Net Income | 20.21B | 17.62B | 15.02B | 3.92B | 15.46B | 13.59B |
Balance Sheet | ||||||
| Total Assets | 6.00T | 5.93T | 5.83T | 5.48T | 5.88T | 5.66T |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 807.02B | 983.68B | 1.00T | 1.38T | 1.22T |
| Total Debt | 932.08B | 882.76B | 856.00B | 530.31B | 1.99T | 894.03B |
| Total Liabilities | 5.76T | 5.69T | 5.59T | 5.26T | 5.64T | 5.42T |
| Stockholders Equity | 241.42B | 235.19B | 237.15B | 222.02B | 241.14B | 244.04B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 45.99B | 0.00 | -585.29B | 72.24B | 712.94B |
| Operating Cash Flow | 0.00 | 48.82B | 0.00 | -582.29B | 75.53B | 715.23B |
| Investing Cash Flow | 0.00 | 16.95B | -130.55B | 214.64B | 87.36B | -2.06B |
| Financing Cash Flow | 0.00 | 45.50B | 89.70B | -5.61B | -4.57B | -4.39B |
Kiyo Bank Technical Analysis
Positive
3400.00
Price Trends
3957.21
Positive
3555.76
Positive
3142.34
Positive
Market Momentum
56.10
Negative
60.00
Neutral
77.97
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 3928.95, below the 50-day MA of 3957.21, and above the 200-day MA of 3142.34, indicating a bullish trend. The MACD of 56.10 indicates Negative momentum. The RSI at 60.00 is Neutral, neither overbought nor oversold. The STOCH value of 77.97 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 | ¥265.81B | 14.45 | ― | 2.13% | 7.77% | 5.80% | |
71 Outperform | ¥267.98B | 8.21 | 7.61% | 3.81% | 17.68% | 20.15% | |
68 Neutral | ¥283.46B | 9.68 | ― | 2.27% | 2.68% | 74.80% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | ¥249.62B | 8.20 | ― | 3.46% | 11.92% | 16.40% | |
65 Neutral | ¥250.12B | 10.90 | ― | 2.53% | 7.67% | 11.03% | |
59 Neutral | ¥263.94B | 10.68 | ― | 2.55% | -0.36% | 41.38% |
* Financial Sector Average
JP:8370
Kiyo Bank
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Kiyo Bank Corporate Events
Kiyo Bank Delivers Strong Nine-Month Earnings and Lifts Dividend Payout
Feb 2, 2026
For the nine months ended December 31, 2025, Kiyo Bank reported strong consolidated results, with ordinary income rising 21.4% year on year to ¥82.9 billion, ordinary profit jumping 44.0% to ¥23.8 billion, and profit attributable to owne...
Kiyo Bank Finalizes Treasury Share Disposal for Employee Incentive
Nov 28, 2025
The Kiyo Bank, Ltd. has completed the payment procedure for the disposal of treasury shares as a restricted stock incentive for its Employee Shareholding Association. This move, initially resolved in June 2025, saw a reduction in the number of sha...
Kiyo Bank Reports Robust Financial Growth in H1 2025
Nov 10, 2025
Kiyo Bank reported a significant increase in its financial performance for the six months ended September 30, 2025, with ordinary income rising by 15.5% and ordinary profit by 40.7% compared to the previous year. The bank’s comprehensive inc...
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.