Seven Bank, Ltd. (8410) AI Stock Analysis

• Market Cap: ¥282.64B
• Dividend Yield: 3.93%
• Average Volume (3M): 5.52M
• Price to Earnings (P/E): 18.3
• Beta (1Y): 0.49
• Revenue Growth: 3.30%
• EPS Growth: 79.42%
• Country: JP
• Employees: 1,301
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 5.70
• Shares Outstanding: 1,179,308,000
• 10 Day Avg. Volume: 4,312,200
• 30 Day Avg. Volume: 5,515,820
• PEG Ratio: -0.42
• Price to Book (P/B): 1.18
• Price to Sales (P/S): 2.06
• P/FCF Ratio: -3.90
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): 15
• Revenue Forecast (FY): ¥216.57B

• Rating: 70 Neutral
• Price Target: ¥298.00 ▲(2.87% Upside)

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

Strong Liquidity

Strong liquidity and a manageable debt-to-equity ratio indicate financial stability, allowing Seven Bank to withstand economic fluctuations and invest in growth opportunities.

Cash Flow Improvement

Improved cash flow suggests enhanced cash generation capabilities, providing Seven Bank with the flexibility to fund operations, invest in new projects, and return value to shareholders.

Strategic ATM Placement

The strategic placement of ATMs ensures high transaction volumes and customer convenience, strengthening Seven Bank's competitive position and revenue base in the long term.

Negative Factors

Profitability Pressure

Pressure on profitability could limit Seven Bank's ability to reinvest in its business and maintain competitive advantages, potentially affecting long-term growth prospects.

Decreased Profit Margins

Decreasing profit margins indicate potential cost pressures or reduced efficiency, which may hinder Seven Bank's ability to sustain profitability and compete effectively in the market.

Cash Flow Volatility

Volatile cash flows can lead to uncertainty in financial planning and investment, potentially impacting Seven Bank's ability to maintain consistent growth and shareholder returns.

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, debit, debt, money transfer, Internet banking, ATM, and other services. The company also provides back-office support services for financial institutions; and security services. The company was incorporated in 2001 and is headquartered in Tokyo, Japan.

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 extensive ATM network, which is strategically located in convenience stores and other high-traffic areas. Additionally, it offers various banking products such as savings accounts and loans, which contribute to interest income. The company's partnership with Seven & I Holdings allows it to leverage the vast customer base of convenience stores, driving foot traffic to its ATMs and enhancing service usage. Furthermore, the bank invests in digital banking solutions, aiming to streamline operations and reach a broader audience, leading to increased transaction volumes and revenue. Overall, Seven Bank's diversified revenue model is supported by its strong brand affiliation and focus on customer convenience.

Seven Bank, Ltd. Financial Statement Overview

Summary

Seven Bank, Ltd. displays a stable financial position with strong liquidity and manageable debt levels. The income statement reveals some pressure on profitability and growth, while the balance sheet remains robust. Cash flow improvements are noted, but past volatility poses a risk if not stabilized.

Income Statement

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

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

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.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	156.44B	158.75B	144.46B	112.25B	100.98B	101.91B
Gross Profit	156.44B	156.66B	143.28B	111.44B	100.38B	101.37B
EBITDA	23.82B	58.01B	68.52B	46.98B	43.54B	49.73B
Net Income	13.58B	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	-29.84B	41.26B	17.03B	110.80B
Operating Cash Flow	0.00	-38.87B	-12.10B	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

• Technical Analysis Sentiment: Positive
• Last Price: 289.70
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8410, the sentiment is Positive. The current price of 289.7 is above the 20-day moving average (MA) of 285.64, above the 50-day MA of 285.70, and above the 200-day MA of 273.06, indicating a bullish trend. The MACD of 1.32 indicates Negative momentum. The RSI at 56.96 is Neutral, neither overbought nor oversold. The STOCH value of 71.67 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:8410.

Seven Bank, Ltd. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
7327	80 Outperform	¥443.22B	11.25	―	3.50%	12.71%	71.94%
8377	75 Outperform	¥467.28B	10.45	―	1.58%	28.83%	105.24%
7180	75 Outperform	$413.85B	11.16	4.93%	2.31%	12.96%	44.62%
8418	73 Outperform	$356.41B	9.48	6.09%	3.33%	5.87%	50.22%
8410	70 Neutral	¥282.64B	18.33	―	3.93%	3.30%	79.42%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
5832	63 Neutral	¥428.17B	13.81	―	3.26%	9.27%	19.72%

Seven Bank, Ltd. Corporate Events

Seven Bank Reports Decline in Profit Despite Increased Income

Seven Bank, Ltd. reported its financial results for the second quarter of the fiscal year ending March 31, 2026, showing a slight increase in ordinary income by 1.1% compared to the previous year. However, the company experienced declines in ordinary profit and net income attributable to owners of the parent, which decreased by 11.5% and 8.9% respectively. The financial position showed a reduction in total assets and net assets, with the net assets to total assets ratio also declining. These results may impact the company’s operations and market positioning, indicating challenges in maintaining profitability and asset growth.

The most recent analyst rating on (JP:8410) stock is a Hold with a Yen298.00 price target. To see the full list of analyst forecasts on Seven Bank, Ltd. stock, see the JP:8410 Stock Forecast page.

Seven Bank Issues New Series of Corporate Bonds to Bolster Financial Position

Seven Bank, Ltd. has announced the issuance of its 15th, 16th, and 17th series of unsecured straight corporate bonds, amounting to a total of 50 billion yen. This move is part of the bank’s strategy to strengthen its financial position and enhance its capital structure, with the bonds being offered publicly and rated AA- by Rating and Investment Information, Inc.

The most recent analyst rating on (JP:8410) stock is a Hold with a Yen298.00 price target. To see the full list of analyst forecasts on Seven Bank, Ltd. stock, see the JP:8410 Stock Forecast page.

Seven Bank Completes Treasury Stock Disposal to ITOCHU

Seven Bank, Ltd. has completed the disposal of 191,700,000 shares of its treasury stock to ITOCHU Corporation as part of a capital and business alliance. This transaction, valued at ¥51,375,600,000, is expected to strengthen the company’s financial position and enhance its strategic partnership with ITOCHU Corporation.

The most recent analyst rating on (JP:8410) stock is a Hold with a Yen298.00 price target. To see the full list of analyst forecasts on Seven Bank, Ltd. stock, see the JP:8410 Stock Forecast page.

Seven Bank Forms Strategic Alliance with ITOCHU Corporation

Seven Bank, Ltd. has announced a capital and business alliance with ITOCHU Corporation, involving the disposal of treasury stock to ITOCHU, which will become a major shareholder. This alliance aims to leverage both companies’ strengths to develop new financial services and enhance corporate value, with potential changes in major shareholders and business models expected.

The most recent analyst rating on (JP:8410) stock is a Hold with a Yen298.00 price target. To see the full list of analyst forecasts on Seven Bank, Ltd. stock, see the JP:8410 Stock Forecast page.