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

Seven Bank, Ltd. (8410) AI Stock Analysis

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JP

Seven Bank, Ltd.

(8410)

Rating:69Neutral
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. (8410) vs. iShares MSCI Japan ETF (EWJ)

Seven Bank, Ltd. Business Overview & Revenue Model

Company DescriptionSeven 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 MoneySeven 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
72
Positive
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
85
Very Positive
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
60
Neutral
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.
BreakdownTTMMar 2025Mar 2024Mar 2023Mar 2022Mar 2021
Income Statement
Total Revenue190.24B209.50B144.46B111.91B100.25B101.37B
Gross Profit190.19B0.00143.28B111.91B100.25B101.37B
EBITDA36.77B26.70B68.52B46.98B43.54B49.73B
Net Income10.36B18.22B31.97B18.85B20.83B25.91B
Balance Sheet
Total Assets1.89T1.50T1.72T1.31T1.22T1.20T
Cash, Cash Equivalents and Short-Term Investments1.21T0.00988.93B952.03B931.40B937.95B
Total Debt80.50B98.34B194.05B144.96B106.94B105.59B
Total Liabilities1.61T1.21T1.44T94.96B977.51B962.48B
Stockholders Equity273.02B277.23B270.55B250.63B242.50B233.27B
Cash Flow
Free Cash Flow0.0074.70B-51.47B41.26B17.03B110.80B
Operating Cash Flow0.0097.91B-12.20B66.58B41.31B136.04B
Investing Cash Flow0.00-12.68B-51.94B-36.19B-36.11B-32.77B
Financing Cash Flow0.00-182.99B81.82B-12.97B-12.73B-13.55B

Seven Bank, Ltd. Technical Analysis

Technical Analysis Sentiment
Positive
Last Price264.90
Price Trends
50DMA
264.59
Positive
100DMA
270.89
Negative
200DMA
288.20
Negative
Market Momentum
MACD
0.32
Negative
RSI
55.18
Neutral
STOCH
61.24
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

Overall Rating
UnderperformOutperform
Sector (67)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
78
Outperform
¥316.98B10.32
4.03%7.10%42.22%
78
Outperform
$305.09B9.455.46%3.84%9.12%44.74%
74
Outperform
¥324.66B10.544.21%3.24%5.52%15.05%
71
Outperform
¥344.33B9.01
1.41%21.04%20.47%
69
Neutral
¥314.98B17.15
4.11%8.66%-42.80%
67
Neutral
¥718.01B10.717.55%3.31%7.97%15.90%
63
Neutral
¥329.25B11.78
3.96%12.82%13.03%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
JP:8410
Seven Bank, Ltd.
267.10
3.12
1.18%
JP:5832
Chugin Financial Group,Inc.
1,797.50
212.05
13.37%
JP:7327
Daishi Hokuetsu Financial Group, Inc.
3,470.00
1,045.29
43.11%
JP:8377
Hokuhoku Financial Group, Inc.
2,895.00
930.88
47.39%
JP:7180
Kyushu Financial Group
754.70
-158.94
-17.40%
JP:8418
Yamaguchi Financial Group
1,600.50
-137.68
-7.92%

Seven Bank, Ltd. Corporate Events

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.

Seven Bank Details Shareholder Relations and Strategic Integration with Seven-Eleven
May 9, 2025

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
May 9, 2025

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
May 9, 2025

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.

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: Jul 10, 2025