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Chugin Financial Group,Inc.
(5832)
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Rating:70Outperform
Price Target:
¥4,178.00
▲(102.47% Upside)
Action:Upgraded
Date:08/06/26
The score is driven primarily by improving financial performance (stronger revenue, earnings, and margins), balanced by leverage and cash-flow volatility typical of regional banks. Technicals add support with a clear uptrend and positive MACD, while valuation is reasonable with a moderate P/E and a solid dividend yield.
Positive Factors
Improving profitability
Revenue increased about 22% in 2026 after solid 2025 performance, while net income rose to ¥39.7B from ¥27.4B. This combination indicates stronger operating scale and earnings capacity, giving the regional banking group more internal resources to support customers and sustain investment.
Negative Factors
Elevated leverage
Although leverage improved from roughly 3.5x to 3.1x equity, it remains elevated for the group. This structure can amplify pressure on results when credit conditions weaken or funding becomes less favorable, reducing financial flexibility during a regional banking downturn.
Read all positive and negative factors
Positive Factors
Negative Factors
Improving profitability
Revenue increased about 22% in 2026 after solid 2025 performance, while net income rose to ¥39.7B from ¥27.4B. This combination indicates stronger operating scale and earnings capacity, giving the regional banking group more internal resources to support customers and sustain investment.
Read all positive factors
Chugin Financial Group,Inc. (5832) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥675.39B
Dividend Yield2.74%
Average Volume (3M)321.30K
Price to Earnings (P/E)15.2
Beta (1Y)1.30
Revenue Growth28.29%
EPS Growth57.51%
CountryJP
Employees3,025
SectorGeneral
Sector StrengthN/A
IndustryBanks - Regional
Share Statistics
EPS (TTM)223.17
Shares Outstanding184,771,450
10 Day Avg. Volume309,120
30 Day Avg. Volume321,300
Financial Highlights & Ratios
PEG Ratio0.27
Price to Book (P/B)0.79
Price to Sales (P/S)2.02
P/FCF Ratio6.37
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)238.4
Revenue Forecast (FY)¥273.10B
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 pro...
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 i...
Chugin Financial Group,Inc. Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
62
Positive
Cash Flow
54
Neutral
| Breakdown | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 244.25B | 209.60B | 180.00B | 174.96B | 122.29B |
| Gross Profit | 161.12B | 120.87B | 109.25B | 141.14B | 108.89B |
| EBITDA | 60.93B | 42.53B | 34.21B | 32.70B | 29.87B |
| Net Income | 39.70B | 27.43B | 21.39B | 20.49B | 18.37B |
Balance Sheet | |||||
| Total Assets | 11.37T | 11.05T | 10.76T | 9.85T | 10.21T |
| Cash, Cash Equivalents and Short-Term Investments | 993.80B | 1.21T | 1.42T | 1.51T | 1.76T |
| Total Debt | 1.90T | 1.89T | 1.67T | 1.08T | 1.64T |
| Total Liabilities | 10.75T | 10.50T | 10.18T | 9.32T | 9.66T |
| Stockholders Equity | 620.70B | 542.37B | 581.11B | 527.95B | 552.41B |
Cash Flow | |||||
| Free Cash Flow | 77.37B | 190.50B | -143.96B | -2.10B | -7.53B |
| Operating Cash Flow | 84.02B | 201.50B | -140.46B | 46.00M | -4.90B |
| Investing Cash Flow | -447.45B | -265.07B | -198.39B | 119.18B | -335.52B |
| Financing Cash Flow | 135.05B | 253.74B | 248.12B | -368.95B | 1.10T |
Chugin Financial Group,Inc. Technical Analysis
Positive
2063.50
Price Trends
3429.45
Positive
3234.44
Positive
2992.15
Positive
Market Momentum
90.03
Negative
68.10
Neutral
72.49
Neutral
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 2063.5 is below the 20-day moving average (MA) of 3557.50, below the 50-day MA of 3429.45, and below the 200-day MA of 2992.15, indicating a bullish trend. The MACD of 90.03 indicates Negative momentum. The RSI at 68.10 is Neutral, neither overbought nor oversold. The STOCH value of 72.49 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
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
72 Outperform | ¥1.01T | 15.58 | ― | 15.31% | 26.86% | 54.93% | |
70 Outperform | ¥675.39B | 15.17 | ― | 2.74% | 28.29% | 57.51% | |
70 Outperform | ¥728.22B | 15.52 | ― | 2.70% | 25.87% | 26.22% | |
67 Neutral | ¥767.86B | 15.37 | ― | 2.69% | 17.99% | 49.43% | |
63 Neutral | ¥738.68B | 19.91 | 4.82% | 1.98% | 14.57% | 7.83% | |
62 Neutral | ¥670.79B | 19.39 | 5.56% | 2.26% | 19.17% | 14.72% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
JP:5832
Chugin Financial Group,Inc.
3,791.00
1,733.96
84.29%
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Hokuhoku Financial Group, Inc.
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551.31
151.92%
Chugin Financial Group,Inc. Corporate Events
Chugin Financial Group Boosts Capital Ratios as Chugoku Bank Strengthens Buffer
Aug 21, 2026
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 ...
Chugin Financial Group Delivers Strong Quarterly Profit and Raises Dividend Payout Outlook
Jul 30, 2026
Chugin Financial Group posted a sharp rise in results for the quarter ended June 30, 2026, with ordinary income nearly doubling year on year to ¥109.6 billion and ordinary profit up 35.2% to ¥20.3 billion. Profit attributable to owners o...
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.