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Yamaguchi Financial Group
(8418)
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Rating:63Neutral
Price Target:
¥3,324.00
▲(6.50% Upside)
Action:Reiterated
Date:05/12/26
The score is anchored by mixed financial fundamentals: strong recent profitability/revenue momentum but weakened by elevated leverage and highly volatile cash flow. Technicals add support due to a clear uptrend with neutral momentum, while valuation is reasonable with a moderate dividend yield.
Positive Factors
Durable Banking Business Model
Yamaguchi's core deposit-funded lending model creates predictable net interest income and recurring fee streams. For a regional bank this structural business mix supports steady revenue generation across credit cycles, underpinning earnings visibility and capital allocation decisions over the next 2–6 months.
Negative Factors
Elevated and Uneven Leverage
Material swings and elevated leverage increase sensitivity to rising funding costs and tighten the bank's margin and liquidity buffer. Uneven debt/equity dynamics constrain strategic flexibility, increase refinancing risk, and raise regulatory or rating vulnerability over the coming 2–6 months if market funding tightens.
Read all positive and negative factors
Positive Factors
Negative Factors
Durable Banking Business Model
Yamaguchi's core deposit-funded lending model creates predictable net interest income and recurring fee streams. For a regional bank this structural business mix supports steady revenue generation across credit cycles, underpinning earnings visibility and capital allocation decisions over the next 2–6 months.
Read all positive factors
Yamaguchi Financial Group (8418) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥581.83B
Dividend Yield2.15%
Average Volume (3M)634.08K
Price to Earnings (P/E)18.9
Beta (1Y)1.23
Revenue Growth14.21%
EPS Growth-4.70%
CountryJP
Employees3,459
SectorGeneral
Sector StrengthN/A
IndustryBanks - Regional
Share Statistics
EPS (TTM)157.90
Shares Outstanding234,767,610
10 Day Avg. Volume650,290
30 Day Avg. Volume634,080
Financial Highlights & Ratios
PEG Ratio-3.18
Price to Book (P/B)0.76
Price to Sales (P/S)1.96
P/FCF Ratio13.76
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)223.04
Revenue Forecast (FY)¥349.20B
Yamaguchi Financial Group Business Overview & Revenue Model
Company Description
Yamaguchi Financial Group, Inc. (8418) is a Japanese regional financial services group centered on banking, providing retail and corporate financial services primarily through its banking subsidiaries and related group companies. The group’s core ...
How the Company Makes Money
Yamaguchi Financial Group primarily makes money through banking operations. Its main earnings driver is interest income generated by extending loans (e.g., corporate loans, consumer loans, and other credit products) and investing in interest-beari...
Yamaguchi Financial Group Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
58
Neutral
Cash Flow
39
Negative
| Breakdown | TTM | Mar 2026 | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 207.31B | 258.22B | 208.72B | 180.34B | 152.55B | 142.13B |
| Gross Profit | 164.79B | 211.02B | 172.31B | 143.40B | 129.13B | 114.63B |
| EBITDA | 49.39B | 51.37B | 57.13B | 41.63B | 31.79B | 297.00M |
| Net Income | 33.51B | 33.01B | 35.35B | 25.22B | 17.89B | -13.01B |
Balance Sheet | ||||||
| Total Assets | 12.99T | 13.18T | 12.99T | 12.55T | 12.21T | 12.18T |
| Cash, Cash Equivalents and Short-Term Investments | 1.86T | 1.71T | 1.86T | 1.39T | 1.88T | 2.18T |
| Total Debt | 1.16T | 1.05T | 1.39T | 1.29T | 1.58T | 1.04T |
| Total Liabilities | 12.35T | 12.51T | 12.37T | 11.89T | 11.60T | 11.55T |
| Stockholders Equity | 632.53B | 668.19B | 619.04B | 652.79B | 611.85B | 629.96B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 36.73B | 0.00 | 5.25B | -147.81B | -80.64B |
| Operating Cash Flow | 0.00 | 41.82B | 0.00 | 13.52B | -143.35B | -77.13B |
| Investing Cash Flow | -146.62B | -310.43B | -146.62B | -493.73B | -155.57B | 461.97B |
| Financing Cash Flow | 3.60B | 79.46B | 3.60B | -94.00M | 1.76B | -13.20B |
Yamaguchi Financial Group Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
71 Outperform | ¥670.58B | 15.12 | ― | 3.21% | 19.57% | 23.07% | |
70 Outperform | ¥609.87B | 13.52 | ― | 2.93% | 28.29% | 57.51% | |
68 Neutral | ¥634.98B | 12.88 | ― | 3.15% | 17.99% | 49.43% | |
66 Neutral | ¥651.56B | 16.96 | 5.05% | 1.80% | 5.69% | 24.69% | |
65 Neutral | ¥898.57B | 13.22 | ― | 1.37% | 26.86% | 54.93% | |
63 Neutral | ¥581.83B | 18.93 | 5.00% | 2.05% | 14.21% | -4.70% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
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Yamaguchi Financial Group Corporate Events
Yamaguchi Financial Group Completes ¥10 Billion Share Buyback
Jul 21, 2026
Yamaguchi Financial Group, Inc., a Japanese banking and financial services provider listed on the Tokyo Stock Exchange Prime Market, serves regional and broader domestic clients through its network of group institutions. Its Prime Market status un...
Yamaguchi Financial Group Sees No Earnings Hit From Counterparty Bankruptcy
Jul 8, 2026
Yamaguchi Financial Group said that ZENTOSHIN Co., Ltd., a credit card payment processor and transaction counterparty of subsidiary Yamaguchi Bank, has entered bankruptcy proceedings following an order from the Osaka District Court on July 6, 2026...
Yamaguchi Financial Group Advances Share Buyback Program on Tokyo Bourse
Jul 1, 2026
Yamaguchi Financial Group has disclosed the latest status of its share buyback program conducted under provisions of the Companies Act. Between June 1 and June 30, 2026, the company repurchased 1,314,500 common shares via market purchases on the T...
Yamaguchi Financial Group Creates Regional Co-Creation Unit and Realigns Top Management Roles
Jun 25, 2026
Yamaguchi Financial Group will establish a new Regional Co-Creation Business Group on July 1, 2026, to centralize and strengthen execution of its regional co-creation strategy aimed at revitalizing local economies through community development. Th...
Yamaguchi Financial Group Begins Execution of Share Buyback Program
Jun 1, 2026
Yamaguchi Financial Group, Inc. has executed part of a share buyback program authorized under Japan’s Companies Act, acquiring 1,298,900 of its own common shares via market purchases on the Tokyo Stock Exchange between May 11 and May 31, 202...
Yamaguchi Financial Group Launches ¥10 Billion Share Buyback to Boost Capital Efficiency
May 8, 2026
Yamaguchi Financial Group, Inc. has authorized a share repurchase program, approving the acquisition of up to 5,000,000 of its common shares, equivalent to 2.42% of its outstanding stock excluding treasury shares. The buyback, to be executed via m...
Yamaguchi Financial Group Lifts Dividend as Profits Dip but Outlook Brightens
May 8, 2026
Yamaguchi Financial Group reported a 22.7% rise in consolidated ordinary income to ¥261.9 billion for the year ended March 31, 2026, but ordinary profit fell 14.1% and profit attributable to owners of the parent declined 6.6%. Despite weaker ...
Yamaguchi Financial Group Completes ¥15 Billion Share Buyback Program
May 1, 2026
Yamaguchi Financial Group has completed a share repurchase program conducted under Japan’s Companies Act, buying back 1,093,500 common shares on the Tokyo Stock Exchange between April 1 and April 30, 2026 for about 2.92 billion yen. This lat...
Yamaguchi Financial Group Discloses ¥28.5 Billion Unrealized Securities Losses With No Change to Forecasts
Apr 30, 2026
Yamaguchi Financial Group has disclosed unrealized losses of ¥28.5 billion on certain securities, including held-to-maturity debt and listed shares of associates, as of March 31, 2026, against a book value of ¥157.6 billion and market va...
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.