Seven Bank, Ltd. (JP:8410)
:8410
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Seven Bank, Ltd.
(8410)
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Rating:58Neutral
Price Target:
¥282.00
▼(-7.57% Downside)
Action:ReiteratedDate:05/09/26
The score is driven primarily by mixed financial performance: a materially strengthened balance sheet is offset by slowing revenue and profit compression since the 2024 peak and volatile cash generation. Technicals are neutral-to-weak (negative MACD and price below key moving averages), while valuation is supported by a ~4% dividend yield but constrained by a negative P/E.
Positive Factors
Nationwide ATM network
A pervasive ATM footprint in 7-Eleven and other high-traffic locations creates a durable distribution advantage. High availability and partner interoperability drive recurring transaction volumes and fee income, supporting steady customer access and entrenched market position over months.
Negative Factors
Decelerating revenue & profits
Revenue and profit momentum faded after 2024, with 2025 only modest growth and 2026 declines. Persistent top-line slowdown and margin compression reduce internal funding for growth, constrain reinvestment, and pressure medium-term profit visibility absent renewed revenue drivers.
Read all positive and negative factors
Positive Factors
Negative Factors
Nationwide ATM network
A pervasive ATM footprint in 7-Eleven and other high-traffic locations creates a durable distribution advantage. High availability and partner interoperability drive recurring transaction volumes and fee income, supporting steady customer access and entrenched market position over months.
Read all positive factors
Seven Bank, Ltd. (8410) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥264.88B
Dividend Yield3.66%
Average Volume (3M)5.52M
Price to Earnings (P/E)―
Beta (1Y)0.54
Revenue Growth2.57%
EPS Growth-20.63%
CountryJP
Employees1,301
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)15.25
Shares Outstanding1,179,308,000
10 Day Avg. Volume4,312,200
30 Day Avg. Volume5,515,820
Financial Highlights & Ratios
PEG Ratio-0.99
Price to Book (P/B)1.06
Price to Sales (P/S)1.47
P/FCF Ratio6.48
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
¥273.33Price Target Upside-10.41% Downside
Rating ConsensusModerate Sell
Number of Analyst Covering3
EPS Forecast (FY)14.58
Revenue Forecast (FY)¥228.53B
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 primarily earns revenue from (1) ATM-related fees and commissions and (2) net interest income from banking activities. ATM-related earnings come from transaction fees/commissions paid by partner financial institutions and other service ...
Seven Bank, Ltd. Financial Statement Overview
Summary
Income Statement
64
Positive
Balance Sheet
72
Positive
Cash Flow
48
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 208.88B | 201.70B | 210.16B | 202.81B | 150.45B | 133.47B |
| Gross Profit | 206.44B | 194.04B | 205.17B | 199.46B | 148.62B | 132.45B |
| EBITDA | 28.30B | 52.45B | 58.01B | 68.52B | 46.95B | 43.54B |
| Net Income | 17.77B | 13.60B | 18.22B | 31.97B | 18.85B | 20.83B |
Balance Sheet | ||||||
| Total Assets | 1.47T | 1.55T | 1.50T | 1.72T | 1.31T | 1.22T |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 896.25B | 892.85B | 988.93B | 952.03B | 931.40B |
| Total Debt | 94.33B | 0.00 | 98.34B | 194.05B | 144.96B | 106.94B |
| Total Liabilities | 1.24T | 1.26T | 1.21T | 1.44T | 1.06T | 977.51B |
| Stockholders Equity | 223.08B | 280.50B | 277.23B | 270.55B | 250.63B | 242.50B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 45.83B | -83.93B | 0.00 | 41.26B | 17.03B |
| Operating Cash Flow | 0.00 | 55.77B | -38.87B | 0.00 | 66.58B | 41.31B |
| Investing Cash Flow | 0.00 | -90.04B | -46.71B | -51.94B | -36.19B | -36.11B |
| Financing Cash Flow | 0.00 | 35.09B | -12.67B | 81.82B | -12.97B | -12.73B |
Seven Bank, Ltd. Technical Analysis
Negative
305.10
Price Trends
278.12
Negative
284.93
Negative
278.13
Negative
Market Momentum
-1.77
Negative
46.83
Neutral
33.33
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8410, the sentiment is Negative. The current price of 305.1 is above the 20-day moving average (MA) of 270.22, above the 50-day MA of 278.12, and above the 200-day MA of 278.13, indicating a neutral trend. The MACD of -1.77 indicates Negative momentum. The RSI at 46.83 is Neutral, neither overbought nor oversold. The STOCH value of 33.33 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative 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 | ¥3.76T | 8.79 | 9.31% | 3.31% | 9.80% | 18.78% | |
71 Outperform | ¥16.51T | 10.71 | 9.14% | 2.38% | -9.15% | 19.62% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
63 Neutral | ¥4.47T | 10.69 | 8.37% | 1.80% | 11.25% | 26.20% | |
63 Neutral | ¥9.74T | 14.35 | 5.28% | 2.73% | 13.95% | 21.73% | |
58 Neutral | ¥264.88B | -58.23 | ― | 3.66% | 2.57% | -20.63% | |
54 Neutral | ¥359.71B | 10.57 | 4.74% | 3.38% | 3.07% | ― |
* Financial Sector Average
JP:8410
Seven Bank, Ltd.
271.40
24.94
10.12%
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JP:8411
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6,771.00
3,167.16
87.88%
Seven Bank, Ltd. Corporate Events
Seven Bank Details Governance and Key Affiliated Shareholder Relationships
May 8, 2026
Seven Bank has detailed its relationships with key affiliated companies, notably Seven i Holdings and ITOCHU Corporation, which collectively hold significant voting rights and provide crucial retail locations for the bank’s ATM network. Aro...
Seven Bank posts higher April ATM usage on expanding network
May 8, 2026
Seven Bank reported that as of the end of April 2026 it had 28,539 ATMs in operation, representing a 1.8% year-on-year increase, underscoring continued expansion of its nationwide network. The bank recorded 93.7 million ATM transactions for the mo...
Seven Bank Outlines FY2026 Results and Three-Year Outlook
May 8, 2026
Seven Bank, Ltd. reported its financial results for the fiscal year ended March 31, 2026, outlining performance across its key business segments and presenting headline figures to investors and stakeholders. The disclosure also included financial ...
Seven Bank Publishes Detailed Supplementary Data to FY2026 Results
May 8, 2026
Seven Bank, Ltd. released detailed supplementary materials to its financial results for the fiscal year ended March 31, 2026, outlining key management indicators on both a non-consolidated and consolidated basis. The disclosure covers net revenue,...
Seven Bank Holds Dividend as Profit Falls, Targets Earnings Rebound in FY2027
May 8, 2026
Seven Bank reported a 2.6% rise in consolidated ordinary income to ¥220.0 billion for the fiscal year ended March 31, 2026, while ordinary profit was essentially flat at ¥30.2 billion and net income attributable to owners dropped 26.0% t...
Seven Bank’s March ATM Network and Transaction Volumes Edge Higher
Apr 10, 2026
Seven Bank reported that as of the end of March 2026 it had 28,536 ATMs in operation, representing a 1.9% increase from a year earlier, underscoring steady expansion of its nationwide network. The bank processed 96.9 million ATM transactions durin...
Seven Bank to Install 16,000 ATMs in FamilyMart Stores Across Japan
Mar 27, 2026
Seven Bank has signed an ATM placement agreement with convenience store operator FamilyMart Co., Ltd. in Japan, building on its capital and business alliance with ITOCHU Corporation, FamilyMart’s parent company. Starting around spring 2026, ...
Seven Bank Reports Higher ATM Count and Transaction Volume for February 2026
Mar 10, 2026
Seven Bank reported that as of the end of February 2026, it operated 28,477 ATMs on a non-consolidated basis, a 1.8% increase year on year, underscoring the continued expansion of its network. During the month, the bank handled 85.8 million ATM tr...
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.