Seven Bank, Ltd. (8410) AI Stock Analysis

• Market Cap: ¥313.69B
• Dividend Yield: 6.18%
• Average Volume (3M): 3.82M
• Price to Earnings (P/E): 17.1
• Beta (1Y): 0.52
• Revenue Growth: 8.66%
• EPS Growth: -42.80%
• Country: JP
• Employees: 1,301
• Sector: Financial
• Sector Strength: 78
• Industry: Banks - Regional
• EPS (TTM): 2.77
• Shares Outstanding: 1,179,308,000
• 10 Day Avg. Volume: 3,021,670
• 30 Day Avg. Volume: 3,817,186
• PEG Ratio: 0.23
• Price to Book (P/B): 1.13
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• 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

• Rating: 68 Neutral
• 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. Business Overview & Revenue Model

Company Description

Seven 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 Money

Seven 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

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	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021
Income Statement
Total Revenue	158.75B	144.46B	111.91B	100.25B	101.37B
Gross Profit	156.66B	143.28B	111.91B	100.25B	101.37B
EBITDA	26.70B	68.52B	46.98B	43.54B	49.73B
Net Income	18.22B	31.97B	18.85B	20.83B	25.91B
Balance Sheet
Total Assets	1.50T	1.72T	1.31T	1.22T	1.20T
Cash, Cash Equivalents and Short-Term Investments	892.85B	988.93B	952.03B	931.40B	937.95B
Total Debt	98.34B	194.05B	144.96B	106.94B	105.59B
Total Liabilities	1.21T	1.44T	94.96B	977.51B	962.48B
Stockholders Equity	277.23B	270.55B	250.63B	242.50B	233.27B
Cash Flow
Free Cash Flow	74.70B	-51.47B	41.26B	17.03B	110.80B
Operating Cash Flow	97.91B	-12.20B	66.58B	41.31B	136.04B
Investing Cash Flow	-46.71B	-51.94B	-36.19B	-36.11B	-32.77B
Financing Cash Flow	-12.67B	81.82B	-12.97B	-12.73B	-13.55B

Seven Bank, Ltd. Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 266.80
• 50DMA: Positive
• 100DMA: Negative
• 200DMA: Negative
• 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 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
7327	78 Outperform	¥324.74B	10.58		4.60%	7.10%	42.22%
8418	78 Outperform	¥322.10B	9.97	5.46%	4.98%	9.12%	44.74%
7180	74 Outperform	¥335.68B	10.90	4.21%	3.92%	5.52%	15.05%
8377	71 Outperform	¥382.53B	10.01		1.28%	21.04%	20.47%
8410	68 Neutral	¥313.69B	17.13		6.18%	8.66%	-42.80%
Sector *	67 Neutral	¥722.67B	10.84	7.55%	4.11%	7.81%	14.63%
5832	63 Neutral	¥341.09B	12.18		3.82%	12.82%	13.03%

Seven Bank, Ltd. Corporate Events

Seven Bank Completes Treasury Stock Acquisition, Changes Parent Company

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

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

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

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

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.