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Iyogin Holdings,Inc.
(5830)
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Rating:70Outperform
Price Target:
¥4,194.00
▲(54.85% Upside)
Action:Upgraded
Date:08/09/26
The score is driven primarily by strong technical momentum (price above key moving averages with a positive MACD) and solid underlying profitability and growth in the income statement. Offsetting this, balance-sheet leverage is meaningfully variable and cash flow conversion is uneven, and valuation/dividend support appears only moderate based on the provided P/E and yield.
Positive Factors
Consistent revenue & net income growth
Multi-year revenue and net income growth indicates durable demand for core banking products. Steady top-line expansion, alongside improving margins through 2025, supports sustainable internal earnings generation, enabling reinvestment in lending, tech and client services over the next 2–6 months.
Negative Factors
Variable and meaningful leverage
Material swings in debt and a meaningful leverage range increase balance sheet volatility and refinancing risk. For a regional bank, such variability can constrain capital planning, raise funding costs if rates shift, and limit flexibility for lending growth over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Consistent revenue & net income growth
Multi-year revenue and net income growth indicates durable demand for core banking products. Steady top-line expansion, alongside improving margins through 2025, supports sustainable internal earnings generation, enabling reinvestment in lending, tech and client services over the next 2–6 months.
Read all positive factors
Iyogin Holdings,Inc. (5830) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥1.19T
Dividend Yield1.53%
Average Volume (3M)905.62K
Price to Earnings (P/E)16.8
Beta (1Y)1.28
Revenue Growth13.26%
EPS Growth3.10%
CountryJP
Employees3,098
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)233.80
Shares Outstanding313,408,840
10 Day Avg. Volume838,750
30 Day Avg. Volume905,620
Financial Highlights & Ratios
PEG Ratio0.26
Price to Book (P/B)0.94
Price to Sales (P/S)3.05
P/FCF Ratio23.01
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)290.9
Revenue Forecast (FY)¥221.85B
Iyogin Holdings,Inc. Business Overview & Revenue Model
Company Description
Iyogin Holdings, Inc., together with its various subsidiaries, functions as a comprehensive provider of banking and financial services. Its diverse lending portfolio spans commercial, syndicated, agricultural, forestry, and fisheries loans, alongs...
How the Company Makes Money
Iyogin Holdings makes money mainly through the earnings generated by its banking operations, consolidated under the holding company. Key revenue streams typically include: (1) net interest income, earned from the spread between interest received o...
Iyogin Holdings,Inc. Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
62
Positive
Cash Flow
54
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 265.49B | 271.15B | 227.82B | 189.42B | 158.10B | 129.45B |
| Gross Profit | 219.52B | 218.98B | 171.08B | 136.67B | 140.93B | 122.68B |
| EBITDA | 95.40B | 112.35B | 81.19B | 64.45B | 46.64B | 42.85B |
| Net Income | 67.76B | 74.25B | 53.32B | 39.46B | 27.90B | 26.42B |
Balance Sheet | ||||||
| Total Assets | 9.43T | 9.54T | 9.20T | 9.26T | 8.55T | 8.54T |
| Cash, Cash Equivalents and Short-Term Investments | 1.37T | 1.29T | 1.12T | 1.17T | 1.37T | -1.52T |
| Total Debt | 765.64B | 1.00T | 988.22B | 1.80T | 1.05T | 974.05B |
| Total Liabilities | 8.50T | 8.66T | 8.40T | 8.42T | 7.79T | 7.81T |
| Stockholders Equity | 923.03B | 877.73B | 802.43B | 842.74B | 759.53B | 724.68B |
Cash Flow | ||||||
| Free Cash Flow | 35.96B | 35.96B | 31.28B | 5.18B | 3.73B | 4.26B |
| Operating Cash Flow | 41.26B | 41.26B | 45.95B | 11.45B | 6.42B | 6.77B |
| Investing Cash Flow | -21.57B | -21.57B | -65.19B | -746.11B | -100.76B | 89.18B |
| Financing Cash Flow | 24.14B | 24.14B | -31.22B | 538.17B | -52.35B | 1.89B |
Iyogin Holdings,Inc. Technical Analysis
Positive
2708.50
Price Trends
3503.90
Positive
3297.44
Positive
3034.16
Positive
Market Momentum
118.39
Positive
61.44
Neutral
42.04
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:5830, the sentiment is Positive. The current price of 2708.5 is below the 20-day moving average (MA) of 3804.80, below the 50-day MA of 3503.90, and below the 200-day MA of 3034.16, indicating a bullish trend. The MACD of 118.39 indicates Positive momentum. The RSI at 61.44 is Neutral, neither overbought nor oversold. The STOCH value of 42.04 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:5830.
Iyogin Holdings,Inc. Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
73 Outperform | ¥142.22B | 8.49 | ― | 3.05% | 36.24% | 144.55% | |
70 Outperform | ¥713.01B | 15.25 | ― | 3.21% | 25.87% | 26.22% | |
70 Outperform | ¥1.19T | 16.80 | ― | 2.10% | 13.26% | 3.10% | |
70 Outperform | ¥119.95B | 16.81 | ― | 2.34% | 7.73% | 24.05% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
62 Neutral | ¥618.00B | 17.50 | 5.00% | 2.05% | 19.17% | 14.72% | |
48 Neutral | ¥12.10B | -38.93 | ― | 2.74% | 20.60% | -182.73% |
* Financial Sector Average
JP:5830
Iyogin Holdings,Inc.
3,927.00
1,926.74
96.32%
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Iyogin Holdings,Inc. Corporate Events
Iyogin Holdings to Use Treasury Shares for New Employee Restricted Stock Plan
Aug 7, 2026
Iyogin Holdings has approved the disposal of up to 72,334 treasury shares as restricted share incentives for employees of its group companies through an employee stock ownership plan. The shares will be allocated at ¥3,679 per share, with the...
Iyogin Holdings Launches ¥15 Billion Share Buyback to Boost Capital Efficiency
Aug 7, 2026
Iyogin Holdings, Inc. has resolved to repurchase up to 6,000,000 of its common shares, representing about 2.08% of its outstanding stock excluding treasury shares. The buyback, capped at ¥15 billion and to be executed via market purchases on ...
Iyogin Lifts Interim Earnings Forecast on Strong Securities Trading
Aug 7, 2026
Iyogin Holdings revised its consolidated forecast for the six months ending September 30, 2026, projecting ordinary income of ¥147.5 billion, ordinary profit of ¥62.0 billion, and profit attributable to owners of parent of ¥43.0 bil...
Iyogin Holdings Posts Profit Decline but Lifts Full-Year Outlook and Dividend
Aug 7, 2026
Iyogin Holdings reported consolidated ordinary income of ¥80.8 billion for the three months ended June 30, 2026, a modest 1.4% year-on-year increase. However, ordinary profit and profit attributable to owners of parent both fell 21.0%, with q...
Iyogin Holdings and Ehime Bank Set Up Committee for 2027 Business Integration
Jul 31, 2026
Iyogin Holdings, Inc. and The Ehime Bank, Ltd. have formed an Integration Preparatory Committee to advance their planned business integration scheduled for April 1, 2027. The committee is co-chaired by the presidents of both institutions, with sen...
Iyogin Holdings and Ehime Bank agree on basic terms for regional banking integration
Jul 24, 2026
Iyogin Holdings and The Ehime Bank have signed a basic agreement to pursue a business integration, after their boards approved moving ahead with discussions and examinations toward forming a new financial group. The tie-up is positioned as a respo...
Iyogin Holdings Confirms Board Review of Potential Integration With Ehime Bank
Jul 23, 2026
Iyogin Holdings has addressed media reports that it is in final-stage talks on a potential business integration with The Ehime Bank, stating that none of the details reported have been formally announced by the company. Management plans to submit ...
Iyogin Holdings reshapes leadership at holding company and Iyo Bank
Jun 26, 2026
Iyogin Holdings, Inc. has announced a broad reshuffle of directors and executive officers at both the holding company and its core subsidiary, The Iyo Bank, following approvals at their annual shareholder meetings and subsequent board sessions. Th...
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.