TOMONY Holdings, Inc. (JP:8600)
:8600
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TOMONY Holdings, Inc.
(8600)
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Rating:66Neutral
Price Target:
¥948.00
▲(16.89% Upside)
Action:Reiterated
Date:05/16/26
The score is driven primarily by solid profitability and improving leverage, offset by historically volatile cash flow. Valuation is supportive (low P/E and a ~3% dividend yield), while technical indicators suggest only neutral-to-soft near-term momentum.
Positive Factors
Multi-year revenue growth
Sustained top-line growth, including ~12% revenue growth in 2026, indicates expanding core banking activity and stronger loan/deposit demand. Over a 2–6 month horizon this durable trend supports a bigger earnings base, improves scale economics, and underpins fee and interest income resiliency despite cyclical pressures.
Negative Factors
Volatile cash generation
Historical swings from strong positive OCF/FCF to sharp negatives and back reduce confidence in consistent cash conversion. Even with recent recovery (FCF ≈91% of net income in 2026), prior volatility implies execution and working-capital risks that could constrain sustained investment, dividend policy, or capital actions over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Multi-year revenue growth
Sustained top-line growth, including ~12% revenue growth in 2026, indicates expanding core banking activity and stronger loan/deposit demand. Over a 2–6 month horizon this durable trend supports a bigger earnings base, improves scale economics, and underpins fee and interest income resiliency despite cyclical pressures.
Read all positive factors
TOMONY Holdings, Inc. (8600) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥167.00B
Dividend Yield2.84%
Average Volume (3M)524.42K
Price to Earnings (P/E)9.7
Beta (1Y)0.94
Revenue Growth9.59%
EPS Growth1.94%
CountryJP
Employees2,212
SectorFinancial
Sector Strength70
IndustryBanks - Diversified
Share Statistics
EPS (TTM)85.66
Shares Outstanding193,533,000
10 Day Avg. Volume460,970
30 Day Avg. Volume524,416
Financial Highlights & Ratios
PEG Ratio5.19
Price to Book (P/B)0.53
Price to Sales (P/S)1.55
P/FCF Ratio5.91
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)N/A
Revenue Forecast (FY)N/A
TOMONY Holdings, Inc. Business Overview & Revenue Model
Company Description
TOMONY Holdings, Inc., through its subsidiaries, provides various banking and financial products and services. The company offers leasing and card services, as well as engages in banking operations. TOMONY Holdings, Inc. was incorporated in 2010 a...
How the Company Makes Money
TOMONY Holdings, Inc. generates revenue primarily through its core banking operations. This includes interest income from loans provided to individuals, businesses, and other institutions, as well as fees and commissions derived from various finan...
TOMONY Holdings, Inc. Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
70
Positive
Cash Flow
52
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 90.31B | 101.15B | 92.92B | 85.88B | 77.49B | 66.94B |
| Gross Profit | 83.50B | 79.31B | 84.86B | 82.72B | 74.35B | 65.07B |
| EBITDA | 23.75B | 26.11B | 25.00B | 23.22B | 22.42B | 20.79B |
| Net Income | 16.48B | 16.16B | 15.83B | 14.01B | 14.17B | 13.06B |
Balance Sheet | ||||||
| Total Assets | 5.09T | 5.20T | 5.03T | 4.81T | 4.55T | 4.60T |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 485.99B | 509.25B | 462.73B | 371.14B | 537.96B |
| Total Debt | 170.07B | 141.22B | 165.47B | 165.24B | 103.82B | 483.34B |
| Total Liabilities | 4.80T | 4.91T | 4.75T | 4.53T | 4.30T | 4.35T |
| Stockholders Equity | 287.22B | 294.82B | 281.62B | 275.17B | 245.19B | 243.33B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 26.54B | 42.36B | -36.73B | -203.16B | 46.16B |
| Operating Cash Flow | 0.00 | 29.26B | 43.98B | -34.91B | -201.41B | 47.91B |
| Investing Cash Flow | 0.00 | -191.99B | -201.24B | 27.57B | 37.48B | -27.44B |
| Financing Cash Flow | 0.00 | 138.75B | 204.29B | 196.92B | -2.56B | -2.38B |
TOMONY Holdings, Inc. Technical Analysis
Neutral
811.00
Price Trends
879.30
Negative
872.30
Positive
767.02
Positive
Market Momentum
-3.91
Positive
47.00
Neutral
33.02
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8600, the sentiment is Neutral. The current price of 811 is below the 20-day moving average (MA) of 885.20, below the 50-day MA of 879.30, and above the 200-day MA of 767.02, indicating a neutral trend. The MACD of -3.91 indicates Positive momentum. The RSI at 47.00 is Neutral, neither overbought nor oversold. The STOCH value of 33.02 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for JP:8600.
TOMONY Holdings, Inc. Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | ¥172.86B | 10.15 | 7.40% | 5.60% | 15.68% | 49.07% | |
66 Neutral | ¥167.00B | 9.71 | ― | 2.84% | 9.59% | 1.94% | |
64 Neutral | ¥661.44B | 9.28 | 9.13% | 2.79% | 11.14% | 1.90% | |
63 Neutral | ¥725.19B | 9.05 | 7.97% | 3.48% | 6.29% | 147.90% | |
56 Neutral | ¥155.28B | 10.53 | ― | 4.42% | 1.18% | -28.29% |
* Financial Sector Average
JP:8600
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TOMONY Holdings, Inc. Corporate Events
TOMONY Holdings Lifts Shareholder Return Targets Under 6th Management Plan
May 14, 2026
TOMONY Holdings has revised its shareholder return policy for the period of its 6th Management Plan, covering fiscal years 2026 to 2028, to place greater emphasis on dividends and share buybacks. The company plans to gradually increase its dividen...
TOMONY Launches 6th Management Plan After Beating 5th-Phase Targets
May 14, 2026
TOMONY Holdings has concluded its 5th Management Plan, during which it advanced sustainability initiatives, expanded consulting-based sales, and deepened support for regional economies through measures such as a regional fund and business matching...
TOMONY Group Revamps Leadership at Tokushima Taisho Bank While Keeping Holding Company Stable
May 14, 2026
TOMONY Holdings’ subsidiary The Tokushima Taisho Bank has announced a slate of management changes, including the appointment of Hiroshi Nishimura as Representative Director and Senior Managing Director, effective after shareholder approval o...
TOMONY Holdings Posts Higher Revenue but Misses Profit Targets for FY2026
May 14, 2026
TOMONY Holdings reported that for the fiscal year ended March 2026, consolidated ordinary income rose 10.1% year on year to 104.8 billion yen, supported by higher interest income from loans and increased other operating income such as gains on sal...
TOMONY Holdings Lifts Earnings, Assets and Dividends, Signals Further Growth for FY2027
May 14, 2026
TOMONY Holdings reported consolidated ordinary income of ¥104.8 billion for the fiscal year ended March 31, 2026, up 10.1% year on year, with ordinary profit rising 4.2% to ¥24.4 billion and profit attributable to owners of parent edging...
TOMONY Holdings Weighs Restricted Stock Plan for Employee Shareholding Association
Mar 24, 2026
TOMONY Holdings has resolved at its board meeting to begin considering the introduction of a restricted stock incentive plan for its Employee Shareholding Association. The scheme would allow employees of the company and its subsidiaries to acquire...
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.