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S Trust Co., Ltd.
(3280)
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Rating:48Neutral
Price Target:
¥927.00
▼(-13.36% Downside)
Action:Reiterated
Date:07/14/26
The score is held back primarily by financial risk: high leverage combined with highly volatile cash flow, including a large negative operating/free cash flow in the latest year despite positive earnings. Technicals also weigh on the score because the stock is below major moving averages, indicating a weaker prevailing trend. Valuation is a relative positive, supported by a moderate P/E and a ~3.2% dividend yield, but it does not fully offset the balance sheet and cash flow concerns.
Positive Factors
Profitability Improvement
Multi-year margin and net income improvement from 2022–2025 indicates durable operating improvements and tighter cost or underwriting discipline. Sustained profitability builds resilience across cycles, supporting reinvestment capacity, dividend funding and ability to absorb temporary revenue shocks.
Negative Factors
High Leverage
Sustained high leverage materially increases refinancing and interest-rate sensitivity for a consumer lending firm. Elevated debt limits strategic flexibility, raises fixed servicing costs, and magnifies earnings and equity volatility, making the company more exposed to credit cycles and funding shocks.
Read all positive and negative factors
Positive Factors
Negative Factors
Profitability Improvement
Multi-year margin and net income improvement from 2022–2025 indicates durable operating improvements and tighter cost or underwriting discipline. Sustained profitability builds resilience across cycles, supporting reinvestment capacity, dividend funding and ability to absorb temporary revenue shocks.
Read all positive factors
S Trust Co., Ltd. (3280) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥5.59B
Dividend Yield3.53%
Average Volume (3M)5.76K
Price to Earnings (P/E)13.7
Beta (1Y)0.38
Revenue Growth-31.90%
EPS Growth-80.08%
CountryJP
Employees95
SectorReal Estate
Sector Strength53
IndustryReal Estate - Diversified
Share Statistics
EPS (TTM)68.38
Shares Outstanding6,167,000
10 Day Avg. Volume4,740
30 Day Avg. Volume5,760
Financial Highlights & Ratios
PEG Ratio0.90
Price to Book (P/B)0.66
Price to Sales (P/S)0.32
P/FCF Ratio-1.24
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
S Trust Co., Ltd. Business Overview & Revenue Model
Company Description
STrust Co.,Ltd. is a Japanese real estate firm whose core activities involve the planning, development, and sale of condominiums and detached houses. Beyond residential property development, its operations also encompass the management of resident...
How the Company Makes Money
S Trust Co., Ltd. primarily makes money by earning interest income and fees from consumer finance activities. Key revenue streams typically include: (1) Interest income from loans and credit products provided to individual borrowers, where earning...
S Trust Co., Ltd. Financial Statement Overview
Summary
Income Statement
58
Neutral
Balance Sheet
46
Neutral
Cash Flow
34
Negative
| Breakdown | TTM | Feb 2026 | Feb 2025 | Feb 2024 | Feb 2023 | Feb 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 16.86B | 22.31B | 19.22B | 18.04B | 15.62B | 16.04B |
| Gross Profit | 3.06B | 4.61B | 4.17B | 3.43B | 3.24B | 2.83B |
| EBITDA | 943.75M | 2.29B | 2.35B | 1.28B | 1.46B | 843.00M |
| Net Income | 415.00M | 1.42B | 1.34B | 729.00M | 838.00M | 441.00M |
Balance Sheet | ||||||
| Total Assets | 37.82B | 37.66B | 43.92B | 35.64B | 30.85B | 25.54B |
| Cash, Cash Equivalents and Short-Term Investments | 6.77B | 7.87B | 10.26B | 7.69B | 6.21B | 5.44B |
| Total Debt | 24.13B | 24.09B | 20.98B | 21.24B | 20.12B | 16.59B |
| Total Liabilities | 27.18B | 26.84B | 34.38B | 27.33B | 23.16B | 18.60B |
| Stockholders Equity | 10.65B | 10.82B | 9.54B | 8.31B | 7.69B | 6.94B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | -5.76B | 2.99B | 774.00M | -2.64B | 973.00M |
| Operating Cash Flow | 0.00 | -5.64B | 3.50B | 1.70B | -1.82B | 1.02B |
| Investing Cash Flow | 0.00 | 356.00M | -521.00M | -544.00M | -832.00M | 73.00M |
| Financing Cash Flow | 0.00 | 2.89B | -409.00M | 327.00M | 3.42B | -1.97B |
S Trust Co., Ltd. Technical Analysis
Neutral
1070.00
Price Trends
947.38
Negative
962.42
Negative
1022.59
Negative
Market Momentum
0.40
Negative
54.73
Neutral
43.27
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:3280, the sentiment is Neutral. The current price of 1070 is above the 20-day moving average (MA) of 924.10, above the 50-day MA of 947.38, and above the 200-day MA of 1022.59, indicating a neutral trend. The MACD of 0.40 indicates Negative momentum. The RSI at 54.73 is Neutral, neither overbought nor oversold. The STOCH value of 43.27 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for JP:3280.
S Trust Co., Ltd. Peers Comparison
UnderperformOutperform
Sector (65)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
65 Neutral | $2.17B | 12.19 | 3.79% | 4.94% | 3.15% | 1.96% | |
61 Neutral | ¥16.92B | 16.62 | ― | 1.11% | -33.90% | -0.66% | |
60 Neutral | ¥19.88B | 8.98 | ― | 3.69% | 16.09% | 13.39% | |
60 Neutral | ¥6.96B | 8.75 | ― | 3.17% | 47.56% | 230.17% | |
57 Neutral | ¥15.54B | 7.31 | ― | 4.71% | -1.36% | -39.86% | |
54 Neutral | ¥47.23B | 23.95 | ― | 3.75% | -4.27% | -53.05% | |
48 Neutral | ¥5.59B | 13.66 | ― | 2.73% | -31.90% | -80.08% |
* Real Estate Sector Average
JP:3280
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S Trust Co., Ltd. Corporate Events
S Trust Swings to Quarterly Loss but Keeps Full-Year Outlook and Higher Dividend Plan
Jul 10, 2026
S Trust Co., Ltd. reported a sharp downturn in results for the three months ended May 31, 2026, with net sales plunging 61.5% year on year to ¥3.4 billion and a swing to a net loss of ¥74 million, compared with a strong profit a year ear...
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.