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Kyoto Financial Group,Inc.
(5844)
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Rating:70Outperform
Price Target:
¥5,580.00
▲(58.93% Upside)
Action:Upgraded
Date:08/17/26
The score is driven primarily by solid financial performance with strong FY2026 growth, but moderated by modest ROE, balance-sheet and cash-flow variability. Technicals are supportive with a clear uptrend, though momentum appears stretched. Valuation is reasonable on P/E, but the dividend yield is modest.
Positive Factors
Strong FY2026 earnings growth
The sharp increase in revenue and net income indicates strong recent operating momentum and improved earnings capacity. If supported by sustained customer activity and banking income, this can strengthen internal capital formation over the next several quarters.
Negative Factors
Uneven revenue growth and cycle sensitivity
The wide swings in annual revenue growth indicate that earnings may be sensitive to the rate, credit and broader economic cycle. Such variability makes it harder to establish a stable medium-term growth trajectory for the regional banking group.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong FY2026 earnings growth
The sharp increase in revenue and net income indicates strong recent operating momentum and improved earnings capacity. If supported by sustained customer activity and banking income, this can strengthen internal capital formation over the next several quarters.
Read all positive factors
Kyoto Financial Group,Inc. (5844) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥1.43T
Dividend Yield1.29%
Average Volume (3M)759.45K
Price to Earnings (P/E)13.3
Beta (1Y)0.98
Revenue Growth18.82%
EPS Growth226.00%
CountryJP
Employees3,676
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)365.24
Shares Outstanding301,362,760
10 Day Avg. Volume603,580
30 Day Avg. Volume759,450
Financial Highlights & Ratios
PEG Ratio0.07
Price to Book (P/B)1.02
Price to Sales (P/S)3.17
P/FCF Ratio37.78
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)224.94
Revenue Forecast (FY)¥176.47B
Kyoto Financial Group,Inc. Business Overview & Revenue Model
Company Description
Operating throughout Japan, Kyoto Financial Group, Inc. delivers a diverse range of banking services, primarily through its subsidiary, The Bank of Kyoto, Ltd. The group manages various deposit accounts, including checking, standard savings, term,...
How the Company Makes Money
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Kyoto Financial Group,Inc. Financial Statement Overview
Summary
Income Statement
82
Very Positive
Balance Sheet
58
Neutral
Cash Flow
55
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 377.29B | 366.23B | 164.35B | 134.49B | 122.75B | 124.45B |
| Gross Profit | 332.82B | 322.24B | 137.11B | 118.16B | 113.09B | 110.77B |
| EBITDA | 146.87B | 141.58B | 55.14B | 47.33B | 40.99B | 31.71B |
| Net Income | 103.99B | 96.72B | 36.55B | 31.57B | 27.21B | 20.62B |
Balance Sheet | ||||||
| Total Assets | 11.82T | 11.83T | 12.16T | 11.58T | 11.04T | 12.21T |
| Cash, Cash Equivalents and Short-Term Investments | 513.52B | 925.65B | 1.34T | 962.78B | 1.20T | 2.70T |
| Total Debt | 517.79B | 694.21B | 1.77T | 1.33T | 258.26B | 3.08T |
| Total Liabilities | 10.43T | 10.69T | 11.08T | 10.44T | 10.05T | 11.12T |
| Stockholders Equity | 1.38T | 1.14T | 1.08T | 1.14T | 989.63B | 1.09T |
Cash Flow | ||||||
| Free Cash Flow | 30.69B | 30.69B | 123.08B | 100.38B | 30.59B | 3.59B |
| Operating Cash Flow | 36.77B | 36.77B | 127.46B | 104.19B | 32.26B | 7.36B |
| Investing Cash Flow | 570.00M | 570.00M | -309.49B | -556.16B | -483.58B | 32.95B |
| Financing Cash Flow | -454.10B | -454.10B | 574.75B | 207.08B | -1.04T | 58.81B |
Kyoto Financial Group,Inc. Technical Analysis
Positive
3511.00
Price Trends
4687.46
Positive
4552.38
Positive
4050.77
Positive
Market Momentum
65.53
Positive
55.11
Neutral
32.27
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:5844, the sentiment is Positive. The current price of 3511 is below the 20-day moving average (MA) of 4770.20, below the 50-day MA of 4687.46, and below the 200-day MA of 4050.77, indicating a bullish trend. The MACD of 65.53 indicates Positive momentum. The RSI at 55.11 is Neutral, neither overbought nor oversold. The STOCH value of 32.27 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:5844.
Kyoto Financial Group,Inc. Peers Comparison
UnderperformOutperform
Sector (68)
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 | ¥1.43T | 13.32 | ― | 2.04% | 18.82% | 226.00% | |
70 Outperform | ¥1.19T | 16.80 | ― | 2.10% | 13.26% | 3.10% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
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% | |
62 Neutral | ¥633.37B | 26.02 | ― | 1.50% | 23.01% | 25.19% |
* Financial Sector Average
JP:5844
Kyoto Financial Group,Inc.
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Kyoto Financial Group,Inc. Corporate Events
Kyoto Financial Group Boosts Capital Adequacy in First Quarter
Aug 10, 2026
Kyoto Financial Group reported a consolidated domestic-standard capital adequacy ratio of 12.37% as of June 30, 2026, slightly up from 12.18% at the end of March, supported by higher capital of ¥540.1 billion and modest growth in risk-weighte...
Kyoto Financial Group Advances Share Buyback Program on TSE
Aug 5, 2026
Kyoto Financial Group, Inc. has continued its share repurchase program, buying 1,008,800 common shares on the Tokyo Stock Exchange between July 1 and July 31, 2026 at a total cost of about 4.58 billion yen. The buyback is part of a broader board-a...
Kyoto Financial Group Delivers Strong Q1 Results but Guides Lower Full-Year Earnings
Jul 31, 2026
Kyoto Financial Group reported strong first-quarter results for the three months ended June 30, 2026, with ordinary income rising 22.9% year-on-year to ¥64.9 billion and ordinary profit surging 57.7% to ¥27.8 billion. Net income attribut...
Kyoto Financial Group Completes Restricted Stock Treasury Share Disposal
Jul 24, 2026
Kyoto Financial Group, Inc. has completed the payment process for the disposal of treasury shares used as restricted stock compensation, following a resolution by its Board of Directors in late June 2026. The transaction involved 18,370 shares of ...
Kyoto Financial Group Advances Share Buyback Program on TSE
Jul 3, 2026
Kyoto Financial Group, Inc. has continued its share buyback program, acquiring 529,000 shares of common stock on the Tokyo Stock Exchange between June 1 and June 30, 2026, at a total cost of about 2.39 billion yen. This latest tranche forms part o...
Kyoto Financial Group Grants Treasury Shares as Restricted Stock to Executives
Jun 26, 2026
Kyoto Financial Group has approved the disposal of 18,370 treasury shares as restricted stock compensation for directors and executive officers of both the parent company and The Bank of Kyoto. The shares, priced at 4,532 yen each for a total of a...
Kyoto Financial Group Advances Share Buyback Under ¥27 Billion Program
Jun 3, 2026
Kyoto Financial Group, Inc. has disclosed the latest status of its treasury stock acquisition program, reporting that it repurchased 431,400 shares of common stock on the Tokyo Stock Exchange between May 1 and May 31, 2026, at a total cost of abou...
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.