Yamaguchi Financial Group Inc (JP:8418)
:8418
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Yamaguchi Financial Group
(8418)
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Rating:70Outperform
Price Target:
¥2,619.00
▲(16.82% Upside)
Action:ReiteratedDate:02/07/26
The score is driven primarily by strong financial performance—particularly rapid revenue growth and improved cash generation—tempered by balance-sheet leverage. Technicals remain in a clear uptrend but are overextended (high RSI/Stoch), which reduces the near-term technical score. Valuation is supportive with a reasonable P/E and moderate dividend yield.
Positive Factors
Strong revenue growth & margins
Sustained double‑digit revenue expansion and very high gross and solid EBIT margins indicate structural pricing power and efficient cost control in core banking and fee businesses. This supports durable earnings generation and reinvestment capacity over the next several quarters.
Negative Factors
High leverage
A debt-to-equity near 2.0 amplifies sensitivity to funding stress, credit deterioration, or unexpected losses. High leverage constrains capital flexibility, raising the risk that the group must raise capital or cut lending if credit costs or market funding conditions worsen.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong revenue growth & margins
Sustained double‑digit revenue expansion and very high gross and solid EBIT margins indicate structural pricing power and efficient cost control in core banking and fee businesses. This supports durable earnings generation and reinvestment capacity over the next several quarters.
Read all positive factors
Yamaguchi Financial Group (8418) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥465.40B
Dividend Yield2.93%
Average Volume (3M)634.08K
Price to Earnings (P/E)15.3
Beta (1Y)1.25
Revenue Growth5.87%
EPS Growth50.22%
CountryJP
Employees3,761
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)34.73
Shares Outstanding234,767,610
10 Day Avg. Volume650,290
30 Day Avg. Volume634,080
Financial Highlights & Ratios
PEG Ratio0.24
Price to Book (P/B)0.61
Price to Sales (P/S)1.80
P/FCF Ratio0.00
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
¥2,550.00Price Target Upside13.74% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)169.6
Revenue Forecast (FY)¥150.10B
Yamaguchi Financial Group Business Overview & Revenue Model
Company Description
Yamaguchi Financial Group, Inc., together with its subsidiaries, provides various banking products and services in Japan. It provides securities brokerage, credit card, leasing, consulting, and other services. The company was incorporated in 2006 ...
How the Company Makes Money
Yamaguchi Financial Group makes money mainly through its banking operations under a holding-company structure. Its core earnings typically come from (1) net interest income: interest earned on loans and other interest-bearing assets (such as secur...
Yamaguchi Financial Group Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
74
Positive
Cash Flow
70
Positive
| Breakdown | TTM | Mar 2025 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 207.31B | 208.72B | 180.34B | 152.55B | 142.13B | 175.19B |
| Gross Profit | 164.79B | 172.31B | 143.40B | 129.13B | 114.63B | 160.39B |
| EBITDA | 49.39B | 57.13B | 41.63B | 31.79B | 297.00M | 42.96B |
| Net Income | 33.51B | 35.35B | 25.22B | 17.89B | -13.01B | 24.96B |
Balance Sheet | ||||||
| Total Assets | 12.99T | 12.99T | 12.55T | 12.21T | 12.18T | 11.99T |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 1.86T | 1.39T | 1.88T | 2.18T | 1.81T |
| Total Debt | 1.16T | 1.39T | 1.29T | 1.58T | 1.04T | 1.94T |
| Total Liabilities | 12.35T | 12.37T | 11.89T | 11.60T | 11.55T | 11.31T |
| Stockholders Equity | 632.53B | 619.04B | 652.79B | 611.85B | 629.96B | 674.91B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 0.00 | 5.25B | -147.81B | -80.64B | 1.12T |
| Operating Cash Flow | 0.00 | 0.00 | 13.52B | -143.35B | -77.13B | 1.12T |
| Investing Cash Flow | -146.62B | -146.62B | -493.73B | -155.57B | 461.97B | -292.74B |
| Financing Cash Flow | 3.60B | 3.60B | -94.00M | 1.76B | -13.20B | 8.83B |
Yamaguchi Financial Group Technical Analysis
Negative
2242.00
Price Trends
2543.57
Negative
2267.01
Positive
1968.82
Positive
Market Momentum
-39.44
Positive
40.04
Neutral
24.16
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8418, the sentiment is Negative. The current price of 2242 is below the 20-day moving average (MA) of 2543.00, below the 50-day MA of 2543.57, and above the 200-day MA of 1968.82, indicating a neutral trend. The MACD of -39.44 indicates Positive momentum. The RSI at 40.04 is Neutral, neither overbought nor oversold. The STOCH value of 24.16 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for JP:8418.
Yamaguchi Financial Group Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
79 Outperform | ¥539.23B | 9.62 | ― | 3.15% | 12.71% | 71.94% | |
70 Outperform | ¥465.40B | 15.28 | 6.09% | 2.93% | 5.87% | 50.22% | |
70 Outperform | ¥539.02B | 9.42 | ― | 3.21% | 19.82% | 29.59% | |
69 Neutral | ¥697.66B | 9.74 | ― | 1.41% | 28.83% | 105.24% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | ¥493.99B | 10.79 | 5.53% | 2.02% | 12.96% | 44.62% | |
65 Neutral | ¥501.86B | 7.73 | ― | 2.93% | 9.27% | 19.72% |
* Financial Sector Average
JP:8418
Yamaguchi Financial Group
2,454.50
689.21
39.04%
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57.59%
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1,152.56
68.46%
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Daishi Hokuetsu Financial Group, Inc.
1,960.00
924.21
89.23%
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Hirogin Holdings, Inc.
1,772.00
566.34
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Hokuhoku Financial Group, Inc.
5,747.00
3,283.59
133.29%
Yamaguchi Financial Group Corporate Events
Yamaguchi Financial Group Steps Up Share Buybacks Under Ongoing Repurchase Plan
Mar 2, 2026
Yamaguchi Financial Group, Inc. reported that it purchased 1,379,900 of its own common shares on the Tokyo Stock Exchange between February 1 and February 28, 2026, at a total cost of approximately 3.71 billion yen. These market buybacks form part ...
Yamaguchi Financial Group Corrects Details on Upcoming Officer Changes
Feb 25, 2026
Yamaguchi Financial Group has issued a correction to previously disclosed information on upcoming changes in officers at the company and its group banks, notably The Kitakyushu Bank. The amendments clarify that new director candidate Daisuke Yoshi...
Yamaguchi Financial Group Unveils Leadership and Organizational Reshuffle Across Group Banks
Feb 24, 2026
Yamaguchi Financial Group has announced a broad reshuffle of directors and executive officers across the holding company and its core group banks, pending shareholder approvals in June 2026. The moves include appointing Tatsuya Furudo as director ...
Yamaguchi Financial Group Posts Higher Nine-Month Profit but Guides to Weaker Full-Year Results
Feb 6, 2026
Yamaguchi Financial Group reported consolidated ordinary income of ¥183.9 billion for the nine months ended December 31, 2025, up 15.8% year on year, while ordinary profit edged down 2.7% to ¥37.4 billion, and profit attributable to owne...
Yamaguchi Financial Group Reports Progress on Share Buyback Program
Feb 2, 2026
Yamaguchi Financial Group has disclosed progress on its share buyback program, reporting that it repurchased 1,065,200 common shares on the Tokyo Stock Exchange between January 1 and January 31, 2026, at a total cost of ¥2,485,176,600. These ...
Yamaguchi Financial Group Reports ¥24.3 Billion in Unrealized Securities Losses with No Change to Forecasts
Jan 30, 2026
Yamaguchi Financial Group has disclosed unrealized losses of ¥24.3 billion on certain securities, mainly held-to-maturity debt securities and listed shares of associates, as of the end of the third quarter of the fiscal year ending March 31, ...
Yamaguchi Financial Group Reports Progress on Share Buyback Program
Jan 5, 2026
Yamaguchi Financial Group, Inc. announced that it has repurchased 1,039,300 of its own common shares on the Tokyo Stock Exchange between December 1 and December 31, 2025, at a total cost of ¥2,152,573,600, as part of a previously authorized s...
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.