Yamaguchi Financial Group Inc (JP:8418)
:8418
Want to see JP:8418 full AI Analyst Report?
Top Page
Yamaguchi Financial Group
(8418)
Select Model
Select Model
Rating:63Neutral
Price Target:
¥3,087.00
▲(37.69% 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
Accelerating revenue growth
Sustained top-line acceleration through 2024–2026 indicates improving market traction and loan/securities income generation. Durable revenue growth supports ongoing earnings power, allows reinvestment in branches and digital channels, and helps absorb cyclical credit or margin shocks over months.
Negative Factors
Elevated, uneven leverage
Intermittently high leverage raises sensitivity to funding costs and credit cycle shocks, constraining capital flexibility and increasing refinancing risk. Even with improvement in 2026, uneven leverage trends weaken balance-sheet predictability and limit strategic options over the coming months.
Read all positive and negative factors
Positive Factors
Negative Factors
Accelerating revenue growth
Sustained top-line acceleration through 2024–2026 indicates improving market traction and loan/securities income generation. Durable revenue growth supports ongoing earnings power, allows reinvestment in branches and digital channels, and helps absorb cyclical credit or margin shocks over months.
Read all positive factors
Yamaguchi Financial Group (8418) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥559.74B
Dividend Yield2.93%
Average Volume (3M)634.08K
Price to Earnings (P/E)29.4
Beta (1Y)1.28
Revenue Growth14.21%
EPS Growth-4.70%
CountryJP
Employees3,761
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)216.04
Revenue Forecast (FY)¥349.20B
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
The company primarily makes money through its banking subsidiaries by earning (1) net interest income and (2) non-interest (fee) income, supplemented by other financial activities within the group. Net interest income is generated from the spread ...
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 | 0.00 | 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 Technical Analysis
Positive
2242.00
Price Trends
2636.33
Positive
2530.09
Positive
2154.24
Positive
Market Momentum
62.78
Negative
57.29
Neutral
65.96
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8418, the sentiment is Positive. The current price of 2242 is below the 20-day moving average (MA) of 2751.13, below the 50-day MA of 2636.33, and above the 200-day MA of 2154.24, indicating a bullish trend. The MACD of 62.78 indicates Negative momentum. The RSI at 57.29 is Neutral, neither overbought nor oversold. The STOCH value of 65.96 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:8418.
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 | ¥633.31B | 11.90 | ― | 3.21% | 19.57% | 23.07% | |
68 Neutral | ¥581.88B | 11.64 | ― | 3.15% | 14.92% | 43.45% | |
67 Neutral | ¥569.49B | 12.42 | ― | 2.93% | 11.61% | 46.17% | |
66 Neutral | ¥637.95B | 17.77 | 5.53% | 2.02% | 5.69% | 24.72% | |
65 Neutral | ¥816.52B | 12.04 | ― | 1.41% | 26.64% | 57.23% | |
63 Neutral | ¥559.74B | 29.39 | 6.09% | 2.93% | 14.21% | -4.70% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
JP:8418
Yamaguchi Financial Group
2,843.50
1,364.29
92.23%
JP:7180
Kyushu Financial Group
1,435.50
726.65
102.51%
JP:5832
Chugin Financial Group,Inc.
3,103.00
1,434.67
85.99%
JP:7327
Daishi Hokuetsu Financial Group, Inc.
2,115.00
1,048.72
98.35%
JP:7337
Hirogin Holdings, Inc.
2,094.50
909.16
76.70%
JP:8377
Hokuhoku Financial Group, Inc.
6,754.00
4,050.98
149.87%
Yamaguchi Financial Group Corporate Events
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...
Yamaguchi Financial Group Advances Share Buyback Under Ongoing Capital Policy
Apr 1, 2026
Yamaguchi Financial Group has disclosed the results of its latest share repurchase activity, conducted under provisions of the Companies Act that allow the company to acquire its own common shares. Between March 1 and March 31, 2026, the group bou...
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 ...
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.