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Kyoto Financial Group,Inc.
(5844)
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Rating:70Outperform
Price Target:
¥4,948.00
▲(40.93% 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 Growth
The sharp FY2026 increase in revenue and net income shows strong recent operating momentum for the regional banking group. If earnings remain supported by banking activity and customer demand, this larger profit base can strengthen internal capital generation and support future investment.
Negative Factors
Modest Return on Equity
Modest ROE shows that the group has not consistently converted its substantial balance sheet into strong returns for shareholders. Unless profitability improves relative to equity, capital may remain underproductive, limiting the long-term efficiency of growth and reducing shareholder return potential.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong FY2026 Growth
The sharp FY2026 increase in revenue and net income shows strong recent operating momentum for the regional banking group. If earnings remain supported by banking activity and customer demand, this larger profit base can strengthen internal capital generation and support future investment.
Read all positive factors
Kyoto Financial Group,Inc. (5844) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥1.31T
Dividend Yield4.22%
Average Volume (3M)828.05K
Price to Earnings (P/E)12.4
Beta (1Y)1.04
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. Volume1,017,680
30 Day Avg. Volume828,053
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)239.8
Revenue Forecast (FY)¥175.55B
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
Kyoto Financial Group, Inc. makes money primarily through the operating income generated by its banking subsidiaries and other group companies, which is then reflected in the holding company’s consolidated results. Key revenue streams typically in...
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
Negative
3511.00
Price Trends
4753.01
Negative
4637.36
Negative
4238.04
Positive
Market Momentum
-43.90
Positive
36.61
Neutral
3.21
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:5844, the sentiment is Negative. The current price of 3511 is below the 20-day moving average (MA) of 4754.65, below the 50-day MA of 4753.01, and below the 200-day MA of 4238.04, indicating a neutral trend. The MACD of -43.90 indicates Positive momentum. The RSI at 36.61 is Neutral, neither overbought nor oversold. The STOCH value of 3.21 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative 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 |
|---|---|---|---|---|---|---|---|
80 Outperform | ¥1.85T | 18.30 | ― | 2.80% | 18.19% | 34.30% | |
78 Outperform | ¥1.41T | 16.16 | ― | 2.33% | 25.45% | 61.40% | |
70 Outperform | ¥1.31T | 12.43 | ― | 4.22% | 18.82% | 226.00% | |
70 Outperform | ¥1.09T | 15.83 | ― | 1.94% | 13.26% | 3.10% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | ¥1.42T | 15.66 | 8.55% | 2.68% | 22.40% | 23.35% | |
64 Neutral | ¥686.71B | 28.94 | ― | 1.34% | 23.01% | 25.19% |
* Financial Sector Average
JP:5844
Kyoto Financial Group,Inc.
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152.52%
Kyoto Financial Group,Inc. Corporate Events
Kyoto Financial Group Completes ¥27 Billion Share Buyback Program
Oct 13, 2026
Kyoto Financial Group, Inc., a TSE Prime-listed Japanese financial holding company, has been implementing a capital management strategy that includes repurchasing its common shares on the Tokyo Stock Exchange. The group’s focus on treasury s...
Kyoto Financial Group Advances Share Buyback Program with Additional Treasury Stock Acquisition
Oct 5, 2026
Kyoto Financial Group, Inc. reported that it repurchased 952,000 shares of its common stock on the Tokyo Stock Exchange between September 1 and September 30, 2026, at a total cost of approximately 4.63 billion yen. This buyback is part of a broade...
Kyoto Financial Group Advances Share Buyback, Repurchasing Over 4.18 Million Shares
Sep 3, 2026
Kyoto Financial Group has continued its share buyback program, acquiring 1,290,700 shares of common stock on the Tokyo Stock Exchange between August 1 and August 31, 2026, at a total cost of approximately 6.15 billion yen. This transaction is part...
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 ...
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.