Seven Bank, Ltd. (8410) AI Stock Analysis

• Market Cap: ¥293.67B
• Dividend Yield: 3.66%
• Average Volume (3M): 5.52M
• Price to Earnings (P/E): 27.3
• Beta (1Y): 0.48
• Revenue Growth: 3.30%
• EPS Growth: 79.42%
• Country: JP
• Employees: 1,301
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): -1.31
• 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: ¥313.33
• Price Target Upside: 2.70% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 3
• EPS Forecast (FY): 14.63
• Revenue Forecast (FY): ¥217.07B

• Rating: 70 Neutral
• Price Target: ¥298.00 ▼(-2.33% Downside)
• Action: Reiterated Date: 08/19/25
• Date: Action: Reiterated 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

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	Mar 2026	Mar 2025	Mar 2024	Mar 2023	Mar 2022
Income Statement
Total Revenue	195.32B	158.75B	144.46B	112.25B	100.98B	101.91B
Gross Profit	195.32B	156.66B	143.28B	111.44B	100.38B	101.37B
EBITDA	31.76B	58.01B	68.52B	46.98B	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	-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: 305.10
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• 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 305.1 is above the 20-day moving average (MA) of 298.54, above the 50-day MA of 300.72, and above the 200-day MA of 282.12, indicating a bullish trend. The MACD of -1.23 indicates Positive momentum. The RSI at 53.82 is Neutral, neither overbought nor oversold. The STOCH value of 46.43 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	79 Outperform	¥561.52B	12.72	―	3.15%	12.71%	71.94%
8418	70 Outperform	¥538.04B	14.90	6.09%	2.93%	5.87%	50.22%
8410	70 Neutral	¥293.67B	27.26	―	3.66%	3.30%	79.42%
8377	69 Neutral	¥758.84B	14.65	―	1.41%	28.83%	105.24%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
7180	66 Neutral	¥587.26B	14.31	4.93%	2.02%	12.96%	44.62%
5832	66 Neutral	¥589.50B	14.82	―	2.93%	9.27%	19.72%

Seven Bank, Ltd. Corporate Events

Seven Bank Starts 2026 With Higher ATM Network Scale and Transaction Volumes

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 year earlier, with daily average transactions per ATM rising 2.2% to 102.9, signaling firm usage and suggesting stable demand for cash and ATM-based services, which supports the bank’s transaction-fee-driven revenue model. The data, which exclude non-cash transactions such as balance inquiries and e-money charges, are preliminary and may be revised, but they indicate resilient customer activity and operational momentum at the start of 2026.

The most recent analyst rating on (JP:8410) stock is a Hold with a Yen332.00 price target. To see the full list of analyst forecasts on Seven Bank, Ltd. stock, see the JP:8410 Stock Forecast page.

Seven Bank Takes ¥6.3 Billion Card-Business Impairment, Cuts Full-Year Net Income Outlook

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 recoverability test confirmed signs of impairment. As a result, the bank has revised its full-year consolidated forecast for the year ending March 31, 2026: ordinary profit is now projected to exceed the previous estimate, supported by strong performance at U.S. subsidiary FCTI and lower operating expenses at Seven Card, but net income attributable to owners of the parent is expected to decline sharply due to the impairment charges, underscoring profitability pressure in its card business even as core operations remain resilient; the year-end dividend forecast remains unchanged.

The most recent analyst rating on (JP:8410) stock is a Hold with a Yen332.00 price target. To see the full list of analyst forecasts on Seven Bank, Ltd. stock, see the JP:8410 Stock Forecast page.

Seven Bank Posts Profit Decline Despite Higher Revenue, Keeps Dividend Outlook Unchanged

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 owners of the parent dropped 41.4% to ¥8.8 billion, reflecting a sharp contraction in profitability despite top-line growth. Total assets rose to ¥1.67 trillion but the net assets-to-total assets ratio declined to 16.3% from 18.5%, indicating some balance sheet pressure, though the bank maintained its dividend stance with a forecast total annual dividend of ¥11 per share, unchanged from the previous year. For the full fiscal year, management now forecasts marginal ordinary income growth of 0.7% to ¥216 billion but double-digit declines in ordinary profit and net income, with net income expected to fall 39.6% to ¥11 billion, underscoring a cautious earnings outlook even as shareholder returns are kept stable.

The most recent analyst rating on (JP:8410) stock is a Hold with a Yen332.00 price target. To see the full list of analyst forecasts on Seven Bank, Ltd. stock, see the JP:8410 Stock Forecast page.

Seven Bank Expands ATM Network as Total Transactions Edge Higher in December 2025

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 daily transactions per ATM edged down slightly to 117, suggesting that while the bank continues to enlarge its network and overall usage, per-unit productivity is broadly stable and may be nearing saturation, a trend that could influence future investment and deployment strategies for its ATM network.

The most recent analyst rating on (JP:8410) stock is a Hold with a Yen313.00 price target. To see the full list of analyst forecasts on Seven Bank, Ltd. stock, see the JP:8410 Stock Forecast page.

Seven Bank Elevates ITOCHU to Related Company Status as Stake Exceeds 20%

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-party allotment of treasury shares. ITOCHU, a major general trading company with diversified global operations spanning textiles, machinery, metals, energy, chemicals, food, ICT and finance, now holds 20.00 percent of Seven Bank’s voting rights, up from 16.60 percent, strengthening its status as a key shareholder. While the financial impact on Seven Bank’s earnings for the current and future fiscal years remains undetermined, the bank plans to leverage the alliance and ITOCHU’s resources to accelerate its strategy of becoming a common financial services platform operator for the convenience store industry, a move that could enhance its competitive position and service reach in Japan’s retail finance market.

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 Gains Regulatory Approval for ITOCHU to Become Major Shareholder

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, previously outlined in a capital and business alliance agreement, to increase its stake in Seven Bank through market purchases and other transactions until it holds up to 20% of the bank’s voting rights, reinforcing their strategic partnership and potentially reshaping the bank’s shareholder structure and future business collaboration.

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.