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Seven Bank, Ltd. (JP:8410)
:8410
Japanese Market
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Seven Bank, Ltd. (8410) AI Stock Analysis

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JP:8410

Seven Bank, Ltd.

(8410)

Rating:70Neutral
Price Target:
¥298.00
▲(3.94% 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.

Seven Bank, Ltd. (8410) vs. iShares MSCI Japan ETF (EWJ)

Seven Bank, Ltd. Business Overview & Revenue Model

Company DescriptionSeven 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 MoneySeven 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. 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
65
Positive
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
70
Positive
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
60
Neutral
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.
BreakdownTTMDec 2025Dec 2024Dec 2023Dec 2022Dec 2021
Income Statement
Total Revenue207.45B158.75B143.28B152.91B134.90B136.68B
Gross Profit207.72B156.66B143.28B111.91B100.25B136.68B
EBITDA37.48B58.01B0.0046.98B43.54B49.73B
Net Income18.22B18.22B31.97B18.85B20.83B25.91B
Balance Sheet
Total Assets1.50T1.50T1.72T1.31T1.22T1.20T
Cash, Cash Equivalents and Short-Term Investments892.85B892.85B988.93B952.03B931.40B937.95B
Total Debt98.34B98.34B194.05B144.96B106.94B105.59B
Total Liabilities1.21T1.21T1.44T1.06T977.51B962.48B
Stockholders Equity277.23B277.23B270.55B250.63B242.50B233.27B
Cash Flow
Free Cash Flow0.00-83.93B61.48B41.26B17.03B110.80B
Operating Cash Flow0.00-38.87B-12.10B66.58B41.31B136.04B
Investing Cash Flow0.00-46.71B-51.94B-36.19B-36.11B-32.77B
Financing Cash Flow0.00-12.67B81.82B-12.97B-12.73B-13.55B

Seven Bank, Ltd. Technical Analysis

Technical Analysis Sentiment
Positive
Last Price286.70
Price Trends
50DMA
274.40
Positive
100DMA
267.99
Positive
200DMA
284.40
Positive
Market Momentum
MACD
4.98
Negative
RSI
58.59
Neutral
STOCH
38.74
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 286.7 is above the 20-day moving average (MA) of 283.58, above the 50-day MA of 274.40, and above the 200-day MA of 284.40, indicating a bullish trend. The MACD of 4.98 indicates Negative momentum. The RSI at 58.59 is Neutral, neither overbought nor oversold. The STOCH value of 38.74 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

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
70
Neutral
¥287.81B19.33
3.84%4.01%-42.81%
68
Neutral
$18.05B11.7310.24%3.73%9.66%1.70%
$2.63B5.224.96%
$2.39B11.385.35%7.09%
78
Outperform
¥381.38B11.61
3.10%6.67%51.21%
71
Outperform
¥467.89B10.46
1.07%33.00%80.88%
63
Neutral
¥393.12B13.73
2.97%10.60%20.32%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
JP:8410
Seven Bank, Ltd.
289.40
18.68
6.90%
KYUNF
Kyushu Financial Group
2.80
0.14
5.26%
YFGSF
Yamaguchi Financial Group
11.96
1.52
14.56%
JP:5832
Chugin Financial Group,Inc.
2,119.50
688.11
48.07%
JP:7327
Daishi Hokuetsu Financial Group, Inc.
4,040.00
1,633.31
67.87%
JP:8377
Hokuhoku Financial Group, Inc.
3,714.00
2,091.11
128.85%

Seven Bank, Ltd. Corporate Events

Seven Bank Reports Mixed Financial Results for Q1 FY2026
Aug 8, 2025

Seven Bank, Ltd. reported its financial results for the first quarter of the fiscal year ending March 31, 2026, showing a slight increase in ordinary income by 3.6% compared to the previous year. However, the bank experienced declines in ordinary profit and net income attributable to owners, with decreases of 7.9% and 9.8% respectively. The financial position reflected a decrease in total assets and net assets, indicating potential challenges in maintaining its financial stability. Despite these results, the bank has maintained its dividend forecast for the fiscal year, suggesting a commitment to shareholder returns.

Seven Bank Completes Treasury Stock Acquisition, Changes Parent Company
Jun 20, 2025

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
Jun 19, 2025

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.

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.Date of analysis: Aug 19, 2025