Seven Bank, Ltd. (8410) AI Stock Analysis

• Market Cap: ¥314.98B
• Dividend Yield: 4.11%
• Average Volume (3M): 4.62M
• 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: 4,239,910
• 30 Day Avg. Volume: 4,617,353
• PEG Ratio: -1.74
• Price to Book (P/B): 1.24
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 7.55
• 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: 69 Neutral
• Price Target: ¥294.00 ▲(10.99%Upside)

Seven Bank, Ltd. is supported by a strong financial position and appealing valuation, particularly its high dividend yield. Technical indicators suggest stable momentum. However, profitability pressures and cash flow volatility highlight areas needing improvement.

Seven Bank, Ltd. Business Overview & Revenue Model

Company Description

Seven Bank, Ltd. is a Japanese financial institution primarily known for its extensive network of automated teller machines (ATMs) located throughout Japan. The company operates within the banking sector, offering ATM services that are strategically placed in Seven & I Holdings' retail locations, such as 7-Eleven convenience stores. This allows for high accessibility and convenience for customers. In addition to its domestic operations, Seven Bank also has international ventures focused on expanding its ATM services.

How the Company Makes Money

Seven Bank, Ltd. generates revenue primarily through transaction fees collected from ATM users, which include fees from customers of other banks who utilize Seven Bank's ATM services. Additionally, the company earns income from service fees paid by financial institutions for network usage, as well as from leasing its ATM infrastructure. Seven Bank benefits from strategic partnerships with retail giants like Seven & I Holdings, which enables the widespread placement of its ATMs in high-traffic locations, thereby increasing transaction volume and revenue. The company's international operations also contribute to its earnings by expanding its ATM network and service offerings outside Japan.

Seven Bank, Ltd. Financial Statement Overview

Summary

Seven Bank, Ltd. demonstrates strong financial stability and growth in revenue, with a solid balance sheet characterized by low leverage and strong equity. However, recent cash flow challenges highlight areas for improvement in cash generation and management.

Income Statement

Seven Bank, Ltd. shows a solid gross profit margin with consistent revenue growth over recent years. The net profit margin has declined in the TTM period compared to the previous year, but overall, the company maintains a healthy EBIT margin. The revenue growth rate is strong, indicating a positive trajectory in revenue generation.

Balance Sheet

The balance sheet reflects a strong equity position with a low debt-to-equity ratio, indicating prudent financial management. The equity ratio remains stable, suggesting a sound capital structure. Return on equity has experienced some fluctuation but remains respectable, highlighting effective use of shareholders' equity.

Cash Flow

The cash flow situation is mixed, with fluctuations in free cash flow. The operating cash flow to net income ratio is not calculable due to zero operating cash flow in the TTM period, indicating potential cash generation issues. However, the company's previous free cash flow growth shows positive historical performance.

Breakdown	TTM	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021
Income Statement
Total Revenue	190.24B	209.50B	144.46B	111.91B	100.25B	101.37B
Gross Profit	190.19B	0.00	143.28B	111.91B	100.25B	101.37B
EBITDA	36.77B	26.70B	68.52B	46.98B	43.54B	49.73B
Net Income	10.36B	18.22B	31.97B	18.85B	20.83B	25.91B
Balance Sheet
Total Assets	1.89T	1.50T	1.72T	1.31T	1.22T	1.20T
Cash, Cash Equivalents and Short-Term Investments	1.21T	0.00	988.93B	952.03B	931.40B	937.95B
Total Debt	80.50B	98.34B	194.05B	144.96B	106.94B	105.59B
Total Liabilities	1.61T	1.21T	1.44T	94.96B	977.51B	962.48B
Stockholders Equity	273.02B	277.23B	270.55B	250.63B	242.50B	233.27B
Cash Flow
Free Cash Flow	0.00	74.70B	-51.47B	41.26B	17.03B	110.80B
Operating Cash Flow	0.00	97.91B	-12.20B	66.58B	41.31B	136.04B
Investing Cash Flow	0.00	-12.68B	-51.94B	-36.19B	-36.11B	-32.77B
Financing Cash Flow	0.00	-182.99B	81.82B	-12.97B	-12.73B	-13.55B

Seven Bank, Ltd. Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 264.90
• 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 Positive. The current price of 264.9 is above the 20-day moving average (MA) of 264.69, above the 50-day MA of 264.59, and below the 200-day MA of 288.20, indicating a neutral trend. The MACD of 0.32 indicates Negative momentum. The RSI at 55.18 is Neutral, neither overbought nor oversold. The STOCH value of 61.24 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	78 Outperform	¥316.98B	10.32		4.03%	7.10%	42.22%
8418	78 Outperform	$305.09B	9.45	5.46%	3.84%	9.12%	44.74%
7180	74 Outperform	¥324.66B	10.54	4.21%	3.24%	5.52%	15.05%
8377	71 Outperform	¥344.33B	9.01		1.41%	21.04%	20.47%
8410	69 Neutral	¥314.98B	17.15		4.11%	8.66%	-42.80%
Sector *	67 Neutral	¥718.01B	10.71	7.55%	3.31%	7.97%	15.90%
5832	63 Neutral	¥329.25B	11.78		3.96%	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.