Chugin Financial Group,Inc. AI Stock Analysis
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Chugin Financial Group,Inc. (5832) AI Stock Analysis
Chugin Financial Group,Inc.
(TSE/TYO:5832)
The score is primarily supported by improving fundamentals (stronger revenue and net income with better margins) and an attractive valuation profile (P/E ~11 and ~3.2% dividend yield). Offsetting these positives are weaker technicals (below key moving averages with negative MACD) and fundamental risk factors including high leverage and volatile operating cash flow.
Chugin Financial Group,Inc. (5832) vs. iShares MSCI Japan ETF (EWJ)
- Market Cap
- JPY 640.67B
- Dividend Yield
- 2.90%
- Average Volume (3M)
- 422.13K
- Price to Earnings (P/E)
- 12.2
- Beta (1Y)
- 1.34
- Revenue Growth
- 34.32%
- EPS Growth
- 73.38%
- Country
- Japan
- Employees
- 3,025
- Sector
- General
- Sector Strength
- 55
- Industry
- Banks - Regional
Chugin Financial Group,Inc. Business Overview & Revenue Model
Company Description
Chugin Financial Group, Inc. offers a comprehensive suite of financial services, primarily through its key subsidiary, The Chugoku Bank, Limited. The company organizes its operations into distinct Banking, Leasing, and Securities divisions. It provid...
How the Company Makes Money
Chugin Financial Group, Inc. makes money primarily through the operating income generated by its consolidated financial subsidiaries, with the core earnings typically coming from banking activities. Key revenue streams generally include: (1) net inte...
Chugin Financial Group,Inc. Financial Statement Overview
Summary
Income statement strength is solid (revenue up ~22% YoY in 2026 and net income rising to ~¥39.7B with margin improving to ~16%), but balance-sheet leverage remains high (~3.1x debt-to-equity) and cash-flow consistency is weaker due to volatile operating cash flow despite positive recent free cash flow.
Income Statement
78PositiveBalance Sheet
62PositiveCash Flow
54Neutral| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 237.52B | 244.25B | 209.60B | 180.00B | 174.96B | 122.29B |
| Gross Profit | 161.12B | 161.12B | 120.87B | 109.25B | 141.14B | 108.89B |
| EBITDA | 55.67B | 60.93B | 42.53B | 34.21B | 32.70B | 29.87B |
| Net Income | 39.70B | 39.70B | 27.43B | 21.39B | 20.49B | 18.37B |
Balance Sheet | ||||||
| Total Assets | 11.37T | 11.37T | 11.05T | 10.76T | 9.85T | 10.21T |
| Cash, Cash Equivalents and Short-Term Investments | 993.27B | 993.80B | 1.21T | 1.42T | 1.51T | 1.76T |
| Total Debt | 1.90T | 1.90T | 1.89T | 1.67T | 1.08T | 1.64T |
| Total Liabilities | 10.75T | 10.75T | 10.50T | 10.18T | 9.32T | 9.66T |
| Stockholders Equity | 620.70B | 620.70B | 542.37B | 581.11B | 527.95B | 552.41B |
Cash Flow | ||||||
| Free Cash Flow | 0 | 77.37B | 190.50B | -143.96B | -2.10B | -7.53B |
| Operating Cash Flow | 0 | 84.02B | 201.50B | -140.46B | 46.00M | -4.90B |
| Investing Cash Flow | 0 | -447.45B | -265.07B | -198.39B | 119.18B | -335.52B |
| Financing Cash Flow | 0 | 135.05B | 253.74B | 248.12B | -368.95B | 1.10T |
Chugin Financial Group,Inc. Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:5832, the sentiment is Positive. The current price of 3582.00 is above the 20-day moving average (MA) of 3443.30, above the 50-day MA of 3536.19, and above the 200-day MA of 3153.04, indicating a bullish trend. The MACD of -22.10 indicates Negative momentum. The RSI at 54.13 is Neutral, neither overbought nor oversold. The STOCH value of 65.70 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:5832.
Chugin Financial Group,Inc. Peers Comparison
Overall Rating
JP:837779Outperform
JP:732775Outperform
JP:733774Outperform
JP:718072Outperform- JP:583262Neutral
JP:841862Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| JP:8377 | 79Outperform | JPY 914.41B | 13.08 | ― | 9.62% | 27.18% | 43.35% |
| JP:7327 | 75Outperform | JPY 630.57B | 13.21 | ― | 3.20% | 17.99% | 49.43% |
| JP:7337 | 74Outperform | JPY 656.13B | 12.66 | ― | 3.12% | 28.04% | 39.40% |
| JP:7180 | 72Outperform | JPY 650.90B | 17.69 | 4.82% | 2.27% | 14.57% | 7.83% |
| JP:5832 | 62Neutral | JPY 639.05B | 12.19 | ― | 2.90% | 34.32% | 73.38% |
| JP:8418 | 62Neutral | JPY 603.73B | 17.35 | 5.56% | 2.54% | 19.17% | 14.72% |
| Sector * | 55Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| JP:5832 | Chugin Financial Group,Inc. | 3582.00 | 1402.42 | 64.34% | |
| JP:7180 | Kyushu Financial Group | 1539.50 | 647.57 | 72.60% | |
| JP:8418 | Yamaguchi Financial Group | 3150.00 | 1386.68 | 78.64% | |
| JP:7327 | Daishi Hokuetsu Financial Group, Inc. | 2375.00 | 918.49 | 63.06% | |
| JP:7337 | Hirogin Holdings, Inc. | 2228.00 | 791.39 | 55.09% | |
| JP:8377 | Hokuhoku Financial Group, Inc. | 774.60 | 362.48 | 87.95% |
Chugin Financial Group,Inc. Corporate Events
Chugin Financial Group Hikes Earnings Outlook and Boosts Year-End Dividend
Chugin Financial Group has sharply raised its full-year forecast for the fiscal year ending March 31, 2027, reflecting stronger-than-expected performance at its banking subsidiary. Benefiting from firm equity markets and the Bank of Japan’s rate hike...
Chugin Financial Group Boosts Earnings Outlook and Dividends on Strong First-Half Results
Chugin Financial Group reported a sharp improvement in results for the six months ended 30 September 2026, with ordinary income surging 78.1% year-on-year to ¥203.97 billion and ordinary profit climbing 72.0% to ¥43.35 billion. Profit attributable to...
Chugin Financial Group Lifts Interim Earnings Forecast on Strong Markets and Higher Rates
Chugin Financial Group, Inc. has sharply revised upward its consolidated earnings forecast for the six months ending September 30, 2026, citing stronger-than-expected performance at its banking subsidiary. The company now projects ordinary income of...
Chugin Financial Group Boosts Capital Ratios as Chugoku Bank Strengthens Buffer
Chugin Financial Group, Inc. reported a consolidated total capital ratio of 14.35% as of June 30, 2026, up from 13.35% at the end of March, with Tier 1 and common equity Tier 1 capital ratios improving to 13.18%. Total capital rose to ¥701.9 billion...
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: Nov 07, 2026