Senshu Ikeda Holdings,Inc. (8714) AI Stock Analysis

• Market Cap: ¥188.64B
• Dividend Yield: 2.27%
• Average Volume (3M): 1.28M
• Price to Earnings (P/E): 14.7
• Beta (1Y): 0.99
• Revenue Growth: 11.55%
• EPS Growth: 10.91%
• Country: JP
• Employees: 2,326
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Credit Services
• EPS (TTM): 13.88
• Shares Outstanding: 281,008,640
• 10 Day Avg. Volume: 1,479,570
• 30 Day Avg. Volume: 1,275,586
• PEG Ratio: 0.42
• Price to Book (P/B): 0.51
• Price to Sales (P/S): 1.45
• P/FCF Ratio: 4.55
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 72 Outperform
• Price Target: ¥730.00 ▲(8.63% Upside)

The overall stock score of 72 reflects strong technical analysis indicators and stable financial performance. The stock's upward momentum and reasonable valuation contribute positively, while the lack of earnings call data and notable corporate events limit further insights.

Senshu Ikeda Holdings,Inc. Business Overview & Revenue Model

Company Description

Senshu Ikeda Holdings, Inc. provides banking products and services to small and medium-sized enterprises, and individuals in Japan and internationally. It offers various deposit products, including current, ordinary, savings, time, and other deposits, as well as deposits at notice; and business and housing loans. The company also provides securities, leasing, credit guarantee, credit card, and venture capital services; investment advisory and discretionary investment services; and back-office administration services. In addition, it develops and sells computer software. As of June 2021, the company operates 136 branches, 3 sub-branches, and 3 representative offices. Senshu Ikeda Holdings, Inc. was founded in 1951 and is based in Osaka, Japan.

How the Company Makes Money

Senshu Ikeda Holdings generates revenue through multiple streams, primarily from interest income derived from loans and advances made to both individual and corporate clients. This includes personal loans, mortgages, and business loans, which form a significant part of their banking operations. Additionally, the company earns fees and commissions from its investment banking and asset management services, including advisory fees for mergers and acquisitions, and management fees for investment funds. The firm also benefits from its insurance operations, providing various insurance products that contribute to its overall earnings. Significant partnerships with other financial institutions and corporations enhance its service offerings and market reach, further bolstering its revenue generation capabilities.

Senshu Ikeda Holdings,Inc. Financial Statement Overview

Summary

Senshu Ikeda Holdings, Inc. demonstrates solid revenue growth and profitability, with improving leverage and cash flow metrics. While the company has made strides in managing debt and enhancing cash flow, high leverage and historical cash flow volatility pose potential risks. Overall, the financial health is stable with room for further improvement.

Income Statement

The company shows a consistent revenue growth trend with a 2.4% increase in the latest year. Net profit margin improved to 16.87%, indicating strong profitability. EBIT and EBITDA margins are healthy at 24.43%, reflecting efficient operations. However, the gross profit margin is not available, which limits a full assessment of cost management.

Balance Sheet

The debt-to-equity ratio has improved from 4.36 to 1.75, indicating better leverage management, but remains relatively high, posing potential risk. Return on equity is moderate at 5.58%, showing reasonable profitability on equity. The equity ratio is not provided, limiting the assessment of asset financing.

Cash Flow

Free cash flow has turned positive, showing significant improvement from previous negative values, with a strong free cash flow to net income ratio of 88.38%. Operating cash flow to net income ratio is robust at 2.68, indicating good cash generation relative to earnings. However, historical volatility in cash flow remains a concern.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	85.22B	84.26B	77.27B	77.64B	76.21B	73.79B
Gross Profit	85.22B	86.24B	82.27B	75.95B	75.20B	72.48B
EBITDA	19.32B	23.97B	19.94B	16.43B	18.52B	12.86B
Net Income	12.84B	13.25B	10.87B	9.50B	11.40B	5.10B
Balance Sheet
Total Assets	6.55T	6.43T	6.44T	6.22T	7.04T	6.71T
Cash, Cash Equivalents and Short-Term Investments	0.00	854.99B	797.79B	821.65B	1.72T	1.67T
Total Debt	416.94B	415.38B	469.00B	344.93B	1.17T	983.55B
Total Liabilities	6.30T	6.19T	6.20T	5.99T	6.79T	6.46T
Stockholders Equity	240.53B	237.36B	242.29B	226.53B	248.42B	244.61B
Cash Flow
Free Cash Flow	0.00	26.79B	-820.00M	-1.04T	134.91B	876.43B
Operating Cash Flow	0.00	30.31B	3.58B	-1.03T	138.80B	880.03B
Investing Cash Flow	0.00	-101.48B	-145.75B	165.66B	-83.53B	-18.92B
Financing Cash Flow	0.00	30.31B	85.42B	-28.75B	-3.00B	-2.78B

Senshu Ikeda Holdings,Inc. Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 672.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8714, the sentiment is Positive. The current price of 672 is above the 20-day moving average (MA) of 650.95, above the 50-day MA of 642.15, and above the 200-day MA of 532.67, indicating a bullish trend. The MACD of 9.08 indicates Negative momentum. The RSI at 63.73 is Neutral, neither overbought nor oversold. The STOCH value of 86.88 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:8714.

Senshu Ikeda Holdings,Inc. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
8425	72 Outperform	¥347.86B	7.29	―	4.12%	21.22%	-2.77%
8714	72 Outperform	¥188.64B	14.65	―	2.27%	11.55%	10.91%
8566	70 Outperform	¥174.16B	11.15	―	3.19%	4.07%	12.68%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
8584	67 Neutral	¥179.15B	8.19	―	4.76%	2.13%	-25.62%
8570	63 Neutral	$327.10B	23.08	3.05%	3.55%	10.31%	-40.64%
8515	55 Neutral	€220.08B	9.56	11.42%	1.54%	15.95%	2.03%

Senshu Ikeda Holdings,Inc. Corporate Events

Senshu Ikeda Holdings Announces Leadership Restructuring

Senshu Ikeda Holdings, Inc. has announced a significant transition in its corporate structure, moving from a Company with an Audit & Supervisory Board to a Company with a Nominating Committee, pending approval at the upcoming Annual General Meeting of Shareholders. This change is accompanied by new appointments for Representatives, Directors, and Executive Officers, reflecting a strategic shift in leadership. Additionally, its subsidiary, The Senshu Ikeda Bank, Ltd., is set to make a similar transition, indicating a broader organizational restructuring aimed at enhancing governance and operational efficiency.