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Seven Bank, Ltd. (JP:8410)
:8410
Japanese Market
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Seven Bank, Ltd. (8410) AI Stock Analysis

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JP

Seven Bank, Ltd.

(8410)

Rating:68Neutral
Price Target:
¥289.00
▲(8.32%Upside)
Seven Bank, Ltd. exhibits a stable financial position with strong liquidity and decent valuation metrics. However, profitability pressures and fluctuating cash flows are potential risks. Technical indicators suggest short-term stability, though long-term trends remain uncertain.

Seven Bank, Ltd. (8410) vs. iShares MSCI Japan ETF (EWJ)

Seven Bank, Ltd. Business Overview & Revenue Model

Company DescriptionSeven Bank, Ltd. (8410) is a Japanese bank that specializes in the operation and management of automated teller machines (ATMs) and offers a range of financial services. The bank primarily focuses on providing convenient ATM services to customers through an extensive network of ATMs located throughout Japan, including locations in 7-Eleven convenience stores and other accessible areas. In addition to ATM services, Seven Bank offers online banking solutions, foreign currency exchange, and international money transfer services.
How the Company Makes MoneySeven Bank generates revenue primarily through fees collected from ATM transactions, which include withdrawal, deposit, and balance inquiry fees. The bank also earns money from interchange fees charged to other financial institutions whose cardholders use Seven Bank's ATMs. Additionally, Seven Bank benefits from partnerships with various financial and non-financial companies, expanding its ATM network and enhancing service offerings. Revenue is further supplemented by fees from international money transfers and foreign currency exchange services. The bank's strategic placement of ATMs in high-traffic areas, such as 7-Eleven stores, significantly contributes to its earnings by ensuring high transaction volumes and customer convenience.

Seven Bank, Ltd. Financial Statement Overview

Summary
Seven Bank, Ltd. shows a stable financial position with strong liquidity and manageable debt levels. The income statement indicates some pressure on profitability and growth, while the balance sheet remains robust. Cash flow has improved but experienced fluctuations, which could pose a risk if not stabilized.
Income Statement
65
Positive
Seven Bank, Ltd. has shown a mixed performance in its income statement. The gross profit margin remains high due to low cost of revenue, and the net profit margin was 11.48% in 2025, which is a decline from previous years. Revenue growth rate is positive but has slowed down significantly over the past year. The EBIT and EBITDA margins have also decreased, indicating potential cost pressures or reduced efficiency.
Balance Sheet
70
Positive
The bank maintains a healthy equity ratio of 18.54% and a manageable debt-to-equity ratio of 0.35 in 2025, reflecting good financial stability. However, the return on equity has decreased to 6.57%, suggesting reduced profitability on equity investments. The bank's balance sheet shows strong cash and short-term investments, which is crucial for liquidity.
Cash Flow
60
Neutral
Operating cash flow improved significantly in 2025, turning positive after a dip in 2024. The free cash flow has also rebounded, indicating improved cash generation capabilities. However, the volatility in cash flows over the past years raises concerns about sustainability. The operating cash flow to net income ratio is favorable, indicating efficient cash conversion.
BreakdownMar 2025Mar 2024Mar 2023Mar 2022Mar 2021
Income Statement
Total Revenue158.75B144.46B111.91B100.25B101.37B
Gross Profit156.66B143.28B111.91B100.25B101.37B
EBITDA26.70B68.52B46.98B43.54B49.73B
Net Income18.22B31.97B18.85B20.83B25.91B
Balance Sheet
Total Assets1.50T1.72T1.31T1.22T1.20T
Cash, Cash Equivalents and Short-Term Investments892.85B988.93B952.03B931.40B937.95B
Total Debt98.34B194.05B144.96B106.94B105.59B
Total Liabilities1.21T1.44T94.96B977.51B962.48B
Stockholders Equity277.23B270.55B250.63B242.50B233.27B
Cash Flow
Free Cash Flow74.70B-51.47B41.26B17.03B110.80B
Operating Cash Flow97.91B-12.20B66.58B41.31B136.04B
Investing Cash Flow-46.71B-51.94B-36.19B-36.11B-32.77B
Financing Cash Flow-12.67B81.82B-12.97B-12.73B-13.55B

Seven Bank, Ltd. Technical Analysis

Technical Analysis Sentiment
Neutral
Last Price266.80
Price Trends
50DMA
265.68
Positive
100DMA
268.72
Negative
200DMA
287.97
Negative
Market Momentum
MACD
0.53
Negative
RSI
51.65
Neutral
STOCH
27.13
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8410, the sentiment is Neutral. The current price of 266.8 is above the 20-day moving average (MA) of 265.94, above the 50-day MA of 265.68, and below the 200-day MA of 287.97, indicating a neutral trend. The MACD of 0.53 indicates Negative momentum. The RSI at 51.65 is Neutral, neither overbought nor oversold. The STOCH value of 27.13 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for JP:8410.

Seven Bank, Ltd. Peers Comparison

Overall Rating
UnderperformOutperform
Sector (67)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
78
Outperform
¥324.74B10.58
4.60%7.10%42.22%
78
Outperform
¥322.10B9.975.46%4.98%9.12%44.74%
74
Outperform
¥335.68B10.904.21%3.92%5.52%15.05%
71
Outperform
¥382.53B10.01
1.28%21.04%20.47%
68
Neutral
¥313.69B17.13
6.18%8.66%-42.80%
67
Neutral
¥722.67B10.847.55%4.11%7.81%14.63%
63
Neutral
¥341.09B12.18
3.82%12.82%13.03%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
JP:8410
Seven Bank, Ltd.
266.80
2.15
0.81%
JP:5832
Chugin Financial Group,Inc.
1,858.50
262.62
16.46%
JP:7327
Daishi Hokuetsu Financial Group, Inc.
3,555.00
1,100.56
44.84%
JP:8377
Hokuhoku Financial Group, Inc.
3,119.00
1,188.31
61.55%
JP:7180
Kyushu Financial Group
764.80
-119.25
-13.49%
JP:8418
Yamaguchi Financial Group
1,647.50
-93.58
-5.37%

Seven Bank, Ltd. Corporate Events

Seven Bank Completes Treasury Stock Acquisition, Changes Parent Company
Jun 20, 2025

Seven Bank, Ltd. has completed a significant acquisition of treasury stock, resulting in a change of its parent company. This move is part of a strategic initiative by its former parent, Seven & i Holdings Co., Ltd., to reduce its ownership stake, thereby enhancing Seven Bank’s management independence and corporate value. The acquisition was executed through the Tokyo Stock Exchange’s off-auction trading system, allowing for efficient completion and contributing to improved capital efficiency.

Seven Bank to Acquire Treasury Stock Amid Parent Company’s Stake Reduction
Jun 19, 2025

Seven Bank, Ltd. has announced a strategic move to acquire its own treasury stock, a decision made in response to its parent company, Seven & i Holdings Co., Ltd., reducing its ownership stake. This acquisition aims to enhance the bank’s independence and corporate value while maintaining market stability and capital efficiency.

Seven Bank Details Shareholder Relations and Strategic Integration with Seven-Eleven
May 9, 2025

Seven Bank, Ltd. announced details regarding its controlling shareholders, highlighting its relationship with its parent company, Seven & i Holdings Co., Ltd., which indirectly holds 46.44% of its voting rights. The bank’s operations are heavily integrated with Seven-Eleven Japan Co., Ltd., as 82% of its ATM network is located in these stores, underscoring the strategic importance of this relationship for its business model and market positioning.

Seven Bank Announces Management Team Reshuffle
May 9, 2025

Seven Bank, Ltd. has announced changes to its management team, which will be finalized at the upcoming Annual General Meeting of Shareholders on June 23, 2025. These changes include the appointment of new directors and audit & supervisory board members, as well as the retirement of current members. This strategic reshuffle is expected to impact the company’s governance structure and may influence its future operational strategies.

Seven Bank Reports Fiscal Year 2025 Financial Results Amid Profit Decline
May 9, 2025

Seven Bank, Ltd. reported its financial results for the fiscal year ending March 31, 2025, showing an increase in ordinary income by 8.3% to 214,408 million yen. However, the net income attributable to owners of the parent dropped significantly by 43% to 18,221 million yen, reflecting challenges in profitability despite a stable revenue stream. The company’s total assets decreased, and cash flow from operating activities turned negative, indicating potential liquidity concerns. The bank also announced a consistent dividend per share of 11 yen, maintaining shareholder returns amidst financial fluctuations.

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: Jul 17, 2025