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Shizuoka Financial Group, Inc.
(5831)
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Rating:72Outperform
Price Target:
¥3,899.00
▲(51.71% Upside)
Action:Reiterated
Date:08/17/26
The score is driven primarily by strong technical momentum and a clear uptrend, supported by solid profitability and improved recent revenue growth. Offsetting factors are only moderate balance-sheet returns (ROE), meaningful leverage, and notably volatile cash flow, while valuation appears reasonable but not clearly discounted.
Positive Factors
Improved Revenue Growth
Improved revenue growth indicates stronger business activity across lending and financial services. If sustained, higher revenue can broaden operating leverage and support earnings growth over the next several quarters.
Negative Factors
Leverage and Low ROE
Meaningful leverage combined with only mid-single-digit returns on equity limits balance-sheet efficiency and value creation. Although leverage improved in 2026, subdued ROE may constrain sustainable profit growth and capital productivity.
Read all positive and negative factors
Positive Factors
Negative Factors
Improved Revenue Growth
Improved revenue growth indicates stronger business activity across lending and financial services. If sustained, higher revenue can broaden operating leverage and support earnings growth over the next several quarters.
Read all positive factors
Shizuoka Financial Group, Inc. (5831) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥1.94T
Dividend Yield2.21%
Average Volume (3M)1.60M
Price to Earnings (P/E)19.3
Beta (1Y)1.10
Revenue Growth18.19%
EPS Growth34.30%
CountryJP
Employees4,226
SectorGeneral
Sector StrengthN/A
IndustryBanks - Regional
Share Statistics
EPS (TTM)187.69
Shares Outstanding580,129,100
10 Day Avg. Volume1,389,540
30 Day Avg. Volume1,596,840
Financial Highlights & Ratios
PEG Ratio0.67
Price to Book (P/B)1.12
Price to Sales (P/S)3.26
P/FCF Ratio29.20
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)212.29
Revenue Forecast (FY)¥227.75B
Shizuoka Financial Group, Inc. Business Overview & Revenue Model
Company Description
Shizuoka Financial Group,Inc. (SFG) and its affiliates offer an extensive range of banking and financial services. The company's operations are divided into two main divisions: Banking and Leasing. Within its banking arm, SFG focuses on core activ...
How the Company Makes Money
Shizuoka Financial Group makes money primarily through its banking and financial-services subsidiaries. Key revenue streams generally include: (1) Net interest income: interest earned on loans and other interest-bearing assets minus interest paid ...
Shizuoka Financial Group, Inc. Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
62
Positive
Cash Flow
55
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 462.55B | 424.33B | 333.92B | 295.77B | 279.36B | 238.20B |
| Gross Profit | 373.27B | 330.39B | 249.39B | 213.53B | 235.13B | 226.05B |
| EBITDA | 142.61B | 139.98B | 117.83B | 94.72B | 91.28B | 78.26B |
| Net Income | 100.63B | 90.47B | 74.62B | 57.76B | 52.40B | 41.63B |
Balance Sheet | ||||||
| Total Assets | 15.92T | 16.02T | 15.71T | 16.14T | 15.65T | 14.92T |
| Cash, Cash Equivalents and Short-Term Investments | 808.59B | 1.16T | 993.91B | 1.56T | 1.75T | 2.28T |
| Total Debt | 1.86T | 1.98T | 2.33T | 3.52T | 2.98T | 1.99T |
| Total Liabilities | 14.64T | 14.78T | 14.55T | 14.94T | 14.51T | 13.83T |
| Stockholders Equity | 1.28T | 1.23T | 1.17T | 1.20T | 1.15T | 1.09T |
Cash Flow | ||||||
| Free Cash Flow | 47.36B | 47.36B | 116.27B | 113.45B | 70.76B | 35.09B |
| Operating Cash Flow | 56.67B | 56.67B | 121.79B | 118.39B | 75.42B | 39.61B |
| Investing Cash Flow | -30.36B | -30.36B | -284.01B | -341.55B | -1.08T | -493.83B |
| Financing Cash Flow | -10.02B | -10.02B | -378.60B | 114.34B | 445.35B | 667.42B |
Shizuoka Financial Group, Inc. Technical Analysis
Positive
2570.00
Price Trends
3278.34
Positive
3068.69
Positive
2782.13
Positive
Market Momentum
80.03
Negative
64.58
Neutral
81.27
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:5831, the sentiment is Positive. The current price of 2570 is below the 20-day moving average (MA) of 3389.95, below the 50-day MA of 3278.34, and below the 200-day MA of 2782.13, indicating a bullish trend. The MACD of 80.03 indicates Negative momentum. The RSI at 64.58 is Neutral, neither overbought nor oversold. The STOCH value of 81.27 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:5831.
Shizuoka Financial Group, Inc. Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
72 Outperform | ¥1.94T | 19.28 | ― | 3.04% | 18.19% | 34.30% | |
70 Outperform | ¥2.19T | 19.31 | 7.77% | 1.97% | 21.41% | 30.81% | |
70 Outperform | ¥1.93T | 19.04 | 7.67% | 1.89% | 31.08% | 36.63% | |
70 Outperform | ¥1.43T | 13.32 | ― | 2.04% | 18.82% | 226.00% | |
66 Neutral | ¥1.46T | 16.44 | ― | 2.00% | 25.45% | 61.40% | |
65 Neutral | ¥1.49T | 16.02 | 8.30% | 2.38% | 22.40% | 23.35% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
JP:5831
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Shizuoka Financial Group, Inc. Corporate Events
Shizuoka Financial Group Executes Major Share Buyback to Boost Capital Efficiency
Aug 10, 2026
Shizuoka Financial Group has repurchased 7 million shares of its common stock for approximately ¥23.89 billion via the Tokyo Stock Exchange’s off-auction own share repurchase system ToSTNeT-3. The buyback, executed on August 10, 2026, i...
Shizuoka Financial Group Sets ¥23.9 Billion Share Buyback via ToSTNeT-3
Aug 7, 2026
Shizuoka Financial Group, Inc. has detailed its plan to buy back up to 7 million shares, or about 1.32% of its outstanding common stock excluding treasury shares, through the Tokyo Stock Exchange’s ToSTNeT-3 off-auction own share repurchase ...
Shizuoka Financial Group Strengthens Capital Ratios in First Quarter of FY2026
Aug 6, 2026
Shizuoka Financial Group reported a consolidated total capital ratio of 16.24% as of June 30, 2026, up 0.64 percentage points from March, with Tier 1 and common equity Tier 1 ratios at the same level and total capital rising to ¥1,152.9 billi...
Shizuoka Financial Group Hikes Earnings Outlook, Boosts Dividend and Launches Share Buyback
Aug 6, 2026
Shizuoka Financial Group has raised its full-year consolidated forecast for the year ending March 31, 2027, citing higher net interest income driven by an increased average loan balance and the Bank of Japan’s policy rate hike. The company n...
Shizuoka Financial Group Completes Treasury Stock Disposal for Restricted Share Compensation
Jul 17, 2026
Shizuoka Financial Group, Inc., a Japan‑based regional financial institution listed on the TSE Prime Market, manages a broad network of subsidiaries and sub‑subsidiaries through a centralized leadership team of directors and executive ...
Shizuoka Financial Group Uses Treasury Stock for Expanded Restricted Share Pay Plan
Jun 19, 2026
Shizuoka Financial Group has approved the disposal of 108,301 shares of its treasury stock as restricted share-based compensation for 53 directors and executive officers across the parent company, The Shizuoka Bank and 13 group subsidiaries. The a...
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.