Seven Bank, Ltd. (JP:8410)
:8410
Top Page
Seven Bank, Ltd.
(8410)
Select Model
Select Model
Rating:70Neutral
Price Target:
¥298.00
▼(-2.33% Downside)
Action:ReiteratedDate:08/19/25
The overall stock score for Seven Bank, Ltd. is driven by its stable financial performance and positive technical indicators. The stock is fairly valued with a reasonable P/E ratio and attractive dividend yield. However, caution is advised due to potential profitability pressures and RSI nearing overbought levels.
Positive Factors
Extensive ATM network
Seven Bank’s nationwide ATM footprint inside 7-Eleven and high-traffic locations is a durable distribution advantage. It creates recurring fee revenue, strong partner interoperability and high customer convenience, supporting steady transaction volumes and barrier to entry for competitors over months.
Negative Factors
Declining profitability
A falling ROE to mid-single digits signals weaker profit generation from shareholder capital. Persistently lower returns squeeze internal capital for growth, may pressure dividend funding and reflect margin compression or lower asset yields—challenges that can persist absent structural revenue or cost improvements.
Read all positive and negative factors
Positive Factors
Negative Factors
Extensive ATM network
Seven Bank’s nationwide ATM footprint inside 7-Eleven and high-traffic locations is a durable distribution advantage. It creates recurring fee revenue, strong partner interoperability and high customer convenience, supporting steady transaction volumes and barrier to entry for competitors over months.
Read all positive factors
Seven Bank, Ltd. (8410) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥271.12B
Dividend Yield3.66%
Average Volume (3M)5.52M
Price to Earnings (P/E)―
Beta (1Y)0.53
Revenue Growth3.30%
EPS Growth79.42%
CountryJP
Employees1,301
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)-1.31
Shares Outstanding1,179,308,000
10 Day Avg. Volume4,312,200
30 Day Avg. Volume5,515,820
Financial Highlights & Ratios
PEG Ratio-0.42
Price to Book (P/B)1.18
Price to Sales (P/S)1.56
P/FCF Ratio-3.90
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
¥295.00Price Target Upside-3.31% Downside
Rating ConsensusHold
Number of Analyst Covering4
EPS Forecast (FY)12.92
Revenue Forecast (FY)¥217.80B
Seven Bank, Ltd. Business Overview & Revenue Model
Company Description
Seven Bank, Ltd. provides various banking products and services to individual and corporate customers in Japan and internationally. It accepts accounts, and ordinary and time deposits; and offers personal loans, as well as debit and credit card, d...
How the Company Makes Money
Seven Bank generates revenue through various channels, primarily from automated teller machine (ATM) transaction fees and banking services. The bank earns money from fees charged for cash withdrawals and other transactions conducted at its extensi...
Seven Bank, Ltd. Financial Statement Overview
Summary
Income Statement
65
Positive
Balance Sheet
70
Positive
Cash Flow
60
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 208.88B | 210.16B | 202.81B | 150.45B | 133.47B | 135.93B |
| Gross Profit | 206.44B | 205.17B | 199.46B | 148.62B | 132.45B | 135.32B |
| EBITDA | 28.30B | 58.01B | 68.52B | 46.95B | 43.54B | 49.73B |
| Net Income | 17.77B | 18.22B | 31.97B | 18.85B | 20.83B | 25.91B |
Balance Sheet | ||||||
| Total Assets | 1.47T | 1.50T | 1.72T | 1.31T | 1.22T | 1.20T |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 892.85B | 988.93B | 952.03B | 931.40B | 937.95B |
| Total Debt | 94.33B | 98.34B | 194.05B | 144.96B | 106.94B | 105.59B |
| Total Liabilities | 1.24T | 1.21T | 1.44T | 1.06T | 977.51B | 962.48B |
| Stockholders Equity | 223.08B | 277.23B | 270.55B | 250.63B | 242.50B | 233.27B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | -83.93B | 0.00 | 41.26B | 17.03B | 110.80B |
| Operating Cash Flow | 0.00 | -38.87B | 0.00 | 66.58B | 41.31B | 136.04B |
| Investing Cash Flow | 0.00 | -46.71B | -51.94B | -36.19B | -36.11B | -32.77B |
| Financing Cash Flow | 0.00 | -12.67B | 81.82B | -12.97B | -12.73B | -13.55B |
Seven Bank, Ltd. Technical Analysis
Neutral
305.10
Price Trends
289.57
Negative
292.71
Negative
283.58
Negative
Market Momentum
-4.98
Negative
47.11
Neutral
77.82
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 305.1 is above the 20-day moving average (MA) of 276.54, above the 50-day MA of 289.57, and above the 200-day MA of 283.58, indicating a neutral trend. The MACD of -4.98 indicates Negative momentum. The RSI at 47.11 is Neutral, neither overbought nor oversold. The STOCH value of 77.82 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
71 Outperform | ¥3.56T | 8.79 | 9.31% | 3.31% | 16.24% | 78.76% | |
71 Outperform | ¥15.86T | 10.71 | 9.14% | 2.38% | -3.62% | 23.01% | |
70 Neutral | ¥271.12B | -58.23 | ― | 3.66% | 3.30% | 79.42% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
63 Neutral | ¥4.19T | 10.69 | 8.37% | 1.80% | 8.28% | 28.63% | |
63 Neutral | ¥9.43T | 14.35 | 5.28% | 2.73% | 2.17% | 9.55% | |
54 Neutral | ¥363.51B | 10.57 | 4.74% | 3.38% | 5.47% | ― |
* Financial Sector Average
JP:8410
Seven Bank, Ltd.
277.80
3.11
1.13%
JP:8308
Resona Holdings
1,822.00
546.91
42.89%
JP:8304
Aozora Bank
2,628.00
627.06
31.34%
JP:8309
Sumitomo Mitsui Holdings
5,113.00
1,460.99
40.01%
JP:7182
Japan Post Bank Co
2,639.00
1,133.00
75.23%
JP:8411
Mizuho Financial Group
6,379.00
2,385.76
59.74%
Seven Bank, Ltd. Corporate Events
Seven Bank Starts 2026 With Higher ATM Network Scale and Transaction Volumes
Feb 6, 2026
Seven Bank reported that, as of the end of January 2026, it had 28,416 ATMs in operation, a 2% increase year on year, underscoring continued expansion of its nationwide network. Monthly ATM transaction volume reached 90.2 million, up 4.2% from a y...
Seven Bank Takes ¥6.3 Billion Card-Business Impairment, Cuts Full-Year Net Income Outlook
Feb 6, 2026
Seven Bank will book extraordinary impairment losses of ¥6.3 billion on fixed assets in the credit card business of its consolidated subsidiary Seven Card Service, after card issuance and related metrics fell significantly short of plan and a...
Seven Bank Posts Profit Decline Despite Higher Revenue, Keeps Dividend Outlook Unchanged
Feb 6, 2026
Seven Bank reported consolidated ordinary income of ¥162.9 billion for the first nine months of the fiscal year ending March 31, 2026, up 2.1% year on year, while ordinary profit fell 5.2% to ¥21.9 billion and net income attributable to ...
Seven Bank Expands ATM Network as Total Transactions Edge Higher in December 2025
Jan 13, 2026
Seven Bank reported that as of the end of December 2025 it had 28,383 ATMs in operation, up about 2% year on year, with total monthly transactions reaching 102.6 million, an increase of roughly 1.5%. Despite the larger installed base, average dail...
Seven Bank Elevates ITOCHU to Related Company Status as Stake Exceeds 20%
Dec 26, 2025
Seven Bank has reclassified trading house ITOCHU Corporation as an “other related company” after ITOCHU’s voting stake in the bank rose above 20 percent, following a previously announced capital and business alliance and a third-...
Seven Bank Gains Regulatory Approval for ITOCHU to Become Major Shareholder
Dec 24, 2025
Seven Bank, Ltd. announced that ITOCHU Corporation has received authorization from Japan’s Financial Services Agency to become a major shareholder of the bank under the Banking Act. This clearance enables ITOCHU to move ahead with its plan, ...
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.