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

• Market Cap: ¥258.71B
• Dividend Yield: 2.3%
• Average Volume (3M): 1.28M
• Price to Earnings (P/E): 16.7
• Beta (1Y): 1.01
• Revenue Growth: 19.39%
• EPS Growth: 7.07%
• Country: JP
• Employees: 2,326
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Credit Services
• EPS (TTM): 16.02
• 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: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 65 Neutral
• Price Target: ¥960.00 ▲(16.50% Upside)
• Action: Downgraded Date: 11/30/25
• Date: Action: Downgraded 11/30/25

Senshu Ikeda Holdings, Inc. shows solid financial performance with strong revenue growth and profitability. Technical indicators suggest strong momentum but caution due to overbought conditions. Valuation is reasonable but not particularly attractive, limiting upside potential. The overall score reflects stable financial health with some risks and limited valuation appeal.

Positive Factors

Diversified business model

Senshu Ikeda's presence across retail and corporate banking, securities and asset management creates multiple durable revenue streams and cross‑sell channels. This diversification smooths earnings across market cycles, supports fee income stability and enhances client retention over months.

Strong revenue growth

Reported double‑digit revenue growth (Fundamentals shows ~24%) and consistent top‑line increases indicate expanding client bases and product adoption. Sustained revenue momentum supports reinvestment in distribution and capabilities, underpinning medium‑term growth prospects and resilience.

Improved cash generation

Free cash flow has moved positive with a high conversion rate to net income, strengthening internal funding capacity. Reliable FCF enables debt reduction, dividend support and selective investment without heavy external financing, improving financial flexibility over the medium term.

Negative Factors

Elevated leverage

Although leverage has materially improved, a debt/equity ratio of 1.75 is still elevated versus conservative benchmarks. Persistent leverage increases sensitivity to interest rate and funding shocks, limits strategic optionality and can magnify earnings volatility across economic cycles.

Cash flow volatility

Management notes past cash‑flow volatility despite recent improvement. Irregular operating cash flows reduce predictability for capital allocation and dividends, heighten refinancing risk in downturns, and complicate long‑term planning for investments and balance sheet repair.

Moderate return on equity

A ROE of roughly 5.6% signals modest profitability on shareholder capital relative to peers. Sustained low ROE suggests the business may need efficiency improvements or higher‑margin growth to lift shareholder returns, constraining long‑term value creation absent strategic changes.

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, including interest income from loans and advances provided to customers, fees from banking services, and commissions from securities trading. The company also earns money through its asset management division by charging management fees on the funds it oversees for its clients. Additionally, strategic partnerships with other financial institutions and businesses enhance its offerings and expand its customer base, contributing to overall revenue growth. The diversification of services across different financial sectors allows the company to mitigate risks and capitalize on various market opportunities, further strengthening its financial performance.

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	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021
Income Statement
Total Revenue	85.22B	84.26B	77.27B	77.64B	76.21B	73.79B
Gross Profit	85.22B	79.94B	76.45B	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: Neutral
• Last Price: 824.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8714, the sentiment is Neutral. The current price of 824 is below the 20-day moving average (MA) of 897.00, below the 50-day MA of 848.08, and above the 200-day MA of 687.23, indicating a neutral trend. The MACD of 17.47 indicates Positive momentum. The RSI at 52.01 is Neutral, neither overbought nor oversold. The STOCH value of 16.22 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral 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	¥429.28B	9.12	―	3.65%	21.22%	-2.77%
8566	70 Outperform	¥197.59B	14.77	―	3.30%	7.36%	-3.80%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
8584	67 Neutral	¥197.67B	9.82	―	4.42%	2.13%	-25.62%
8570	66 Neutral	¥380.95B	23.34	3.05%	3.04%	10.31%	-40.64%
8714	65 Neutral	¥258.71B	16.66	―	2.30%	19.39%	7.07%
8515	56 Neutral	¥250.56B	8.25	13.08%	1.25%	15.37%	26.00%

Senshu Ikeda Holdings,Inc. Corporate Events

Senshu Ikeda Holdings Posts Double-Digit Profit Growth and Confirms Higher Dividend for FY2025

Senshu Ikeda Holdings reported strong consolidated results for the nine months ended December 31, 2025, with ordinary revenue rising 20.7% year-on-year to ¥82.9 billion, ordinary income up 18.7% to ¥18.7 billion, and profit attributable to owners of the parent increasing 19.8% to ¥13.1 billion, lifting earnings per share to ¥47.16. Total assets edged up to ¥6.52 trillion and the equity ratio improved slightly to 3.7%, while the group maintained its full-year forecast for FY2025, targeting ordinary revenue of ¥112.0 billion and profit attributable to owners of the parent of ¥14.7 billion; the company also affirmed its dividend plan, raising the annual payout forecast to ¥21.00 per share, and made a minor portfolio adjustment by adding a new business succession investment partnership and removing a prior one from the consolidation scope.

The most recent analyst rating on (JP:8714) stock is a Buy with a Yen954.00 price target. To see the full list of analyst forecasts on Senshu Ikeda Holdings,Inc. stock, see the JP:8714 Stock Forecast page.

Senshu Ikeda Holdings Reports Strong Interim Results and Strategic Initiatives

Senshu Ikeda Holdings, Inc. reported that its interest income exceeded initial forecasts due to steady lending volume growth and better-than-expected yield improvements. Despite strong interim performance, the company has not revised its full-year forecasts due to potential risks in the second half. The company is focusing on providing fixed-rate loans to meet the anticipated demand from large and medium-sized companies in light of expected interest rate rises. Additionally, Senshu Ikeda is developing new deposit products and entering the Banking-as-a-Service (BaaS) business to enhance its deposit base without engaging in interest rate competition.

The most recent analyst rating on (JP:8714) stock is a Hold with a Yen841.00 price target. To see the full list of analyst forecasts on Senshu Ikeda Holdings,Inc. stock, see the JP:8714 Stock Forecast page.

Senshu Ikeda Holdings Reports Strong Q2 FY2025 Results and Strategic Digital Expansion

Senshu Ikeda Holdings, Inc. reported a positive financial performance for the second quarter of FY2025, with profits exceeding forecasts. The company is making significant progress on its Fifth Medium-Term Business Plan Plus, aiming to enhance corporate value through increased dividends and strategic investments in digital banking. The launch of 01Bank, a digital bank, marks a strategic move to capture market share in the service and information sectors, particularly in the Tokyo and Kansai regions.

The most recent analyst rating on (JP:8714) stock is a Hold with a Yen841.00 price target. To see the full list of analyst forecasts on Senshu Ikeda Holdings,Inc. stock, see the JP:8714 Stock Forecast page.