S Trust Co., Ltd. (3280) AI Stock Analysis

1 Followers

S Trust Co., Ltd.

(TSE/TYO:3280)

Select Model

Rating:48Neutral

Price Target:JPY 907.00▲(4.25% Upside)

Action:reiterated

Date:10/14/26

The score is held back primarily by financial risk—high leverage and a sharp deterioration in latest cash generation (negative OCF/FCF) alongside a significant revenue decline. Technicals also remain weak with bearish momentum and the price below major moving averages, while valuation is a relative positive due to a moderate P/E and a ~3.6% dividend yield.

Positive Factors

Improving ProfitabilityThe multi-year improvement in net income and margins indicates that the business had strengthened profitability before the latest downturn. A larger earnings base can support reinvestment and provide greater resilience if operating conditions stabilize over the next several quarters.

Negative Factors

Revenue and Margin DeclineThe sharp revenue contraction, combined with lower EBITDA margins, signals weaker demand or activity and reduced operating leverage. If this pattern persists, it could limit earnings growth and make the company’s recent profitability gains less durable over the medium term.

S Trust Co., Ltd. (3280) vs. iShares MSCI Japan ETF (EWJ)

Market Cap: JPY 5.33B
Dividend Yield: 3.79%
Average Volume (3M): 7,345
Price to Earnings (P/E): 15.0
Beta (1Y): 0.31
Revenue Growth: -52.86%
EPS Growth: -84.40%
Country: Japan
Employees: 95
Sector: Real Estate
Sector Strength: 65
Industry: Real Estate - Diversified

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 residential...

S Trust Co., Ltd. Financial Statement Overview

Summary

Profitability improved versus earlier years and ROE rose, but the latest period shows a sharp revenue decline and margin pressure. High leverage (debt-to-equity ~2.2x–2.8x, debt rising in 2026) and highly volatile/negative latest operating and free cash flow (OCF -¥5.64B; FCF -¥5.76B) materially weaken overall financial quality.

Income Statement

58Neutral

Balance Sheet

46Neutral

Cash Flow

34Negative

Financial statement breakdown
Breakdown	TTM	Feb 2026	Feb 2025	Feb 2024	Feb 2023	Feb 2022
Income Statement
Total Revenue	13.75B	22.31B	19.22B	18.04B	15.62B	16.04B
Gross Profit	2.91B	4.61B	4.17B	3.43B	3.24B	2.83B
EBITDA	851.00M	2.29B	2.35B	1.28B	1.46B	843.00M
Net Income	355.00M	1.42B	1.34B	729.00M	838.00M	441.00M
Balance Sheet
Total Assets	38.09B	37.66B	43.92B	35.64B	30.85B	25.54B
Cash, Cash Equivalents and Short-Term Investments	6.27B	7.87B	10.26B	7.69B	6.21B	5.44B
Total Debt	24.74B	24.09B	20.98B	21.24B	20.12B	16.59B
Total Liabilities	27.35B	26.84B	34.38B	27.33B	23.16B	18.60B
Stockholders Equity	10.74B	10.82B	9.54B	8.31B	7.69B	6.94B
Cash Flow
Free Cash Flow	0	-5.76B	2.99B	774.00M	-2.64B	973.00M
Operating Cash Flow	0	-5.64B	3.50B	1.70B	-1.82B	1.02B
Investing Cash Flow	0	356.00M	-521.00M	-544.00M	-832.00M	73.00M
Financing Cash Flow	0	2.89B	-409.00M	327.00M	3.42B	-1.97B

S Trust Co., Ltd. Technical Analysis

Technical Analysis SentimentNegative

Last Price870.00

Price Trends

50DMA917.20Negative

100DMA923.67Negative

200DMA975.05Negative

Market Momentum

MACD-13.06Positive

RSI32.10Neutral

STOCH31.33Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:3280, the sentiment is Negative. The current price of 870.00 is below the 20-day moving average (MA) of 891.50, below the 50-day MA of 917.20, and below the 200-day MA of 975.05, indicating a bearish trend. The MACD of -13.06 indicates Positive momentum. The RSI at 32.10 is Neutral, neither overbought nor oversold. The STOCH value of 31.33 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for JP:3280.

S Trust Co., Ltd. Peers Comparison

Overall Rating

UnderperformOutperform

Sector (65)

Financial Indicators

JP:3280 against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
JP:3246	67Neutral	JPY 6.88B	10.52	―	3.51%	40.39%	269.30%
Sector *	65Neutral	$2.17B	12.19	3.79%	4.94%	3.15%	1.96%
JP:8918	62Neutral	JPY 13.84B	11.85	―	1.11%	72.25%	887.86%
JP:3242	58Neutral	JPY 19.76B	8.92	―	4.56%	16.09%	13.44%
JP:8931	53Neutral	JPY 13.38B	6.97	―	5.69%	-0.05%	-45.05%
JP:3475	51Neutral	JPY 30.24B	12.24	―	4.49%	27.64%	6.54%
JP:3280	48Neutral	JPY 5.20B	14.99	―	3.79%	-52.86%	-84.40%

* Real Estate Sector Average

Performance Comparison

JP:3280 and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
JP:3280	S Trust Co., Ltd.	870.00	-166.05	-16.03%
JP:3242	Urbanet Corporation Co., Ltd.	526.00	-51.65	-8.94%
JP:3246	KOSE R.E. Co., Ltd.	684.00	1.56	0.23%
JP:3475	Good Com Asset Co.,Ltd.	1024.00	-240.31	-19.01%
JP:8918	LAND Co., Ltd.	9.00	0.00	0.00%
JP:8931	WADAKOHSAN CORPORATION	1212.00	-350.83	-22.45%

S Trust Co., Ltd. Corporate Events

S TRUST Posts Interim Loss but Holds Dividend, Sees Lower Full-Year Earnings

Oct 14, 2026

S TRUST Co., Ltd. reported a sharp downturn in performance for the six months ended August 31, 2026, with net sales plunging 58.3% year-on-year to ¥6,133 million and operating income collapsing 93.9% to ¥93 million. The company swung to an ordinary l...

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.

Date of analysis: Oct 14, 2026

S Trust Co., Ltd. AI Stock Analysis