Kyoto Financial Group,Inc. (5844) AI Stock Analysis

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Kyoto Financial Group,Inc.

(TSE/TYO:5844)

Select Model

Rating:77Outperform

Price Target:JPY 4,814.00▲(15.67% Upside)

Action:reiterated

Date:08/17/26

Kyoto Financial Group earns a score of 77, reflecting strong financial performance with robust revenue growth and a solid balance sheet, tempered by recent cash flow volatility. The stock is in a strong technical uptrend, though overbought conditions may lead to short-term consolidation. Valuation appears reasonable, with a P/E of 13.9 and a 1.24% dividend yield. The absence of recent earnings call or corporate event data does not alter the assessment.

Positive Factors

Strong earnings growthThe sharp FY2026 increase in revenue and net income indicates substantial earnings momentum and expanding business contribution. If maintained, stronger profitability can support internal investment, capital resilience, and competitive positioning over the next several quarters.

Negative Factors

Modest return on equityPersistently modest ROE shows that the group has not consistently converted its sizable balance sheet into strong shareholder returns. This may constrain long-term capital efficiency and indicates that higher earnings may not automatically translate into attractive profitability on equity.

Kyoto Financial Group,Inc. (5844) vs. iShares MSCI Japan ETF (EWJ)

Market Cap: JPY 1.17T
Dividend Yield: 4.57%
Average Volume (3M): 926.26K
Price to Earnings (P/E): 11.4
Beta (1Y): 1.06
Revenue Growth: 18.82%
EPS Growth: 226.00%
Country: Japan
Employees: 3,676
Sector: Financial
Sector Strength: 68
Industry: Banks - Regional

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, de...

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 inclu...

Kyoto Financial Group,Inc. Financial Statement Overview

Summary

Kyoto Financial Group shows strong revenue and net income growth, with improving profit margins and a solid equity base. However, cash flow conversion declined sharply in the most recent year, introducing some uncertainty. Overall financial health is good, but cash flow trends need monitoring.

Income Statement

85Very Positive

Balance Sheet

80Positive

Cash Flow

65Positive

Financial statement breakdown
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

Technical Analysis SentimentNeutral

Last Price4162.00

Price Trends

50DMA4503.57Negative

100DMA4571.73Negative

200DMA4325.82Negative

Market Momentum

MACD-109.94Negative

RSI46.92Neutral

STOCH86.56Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:5844, the sentiment is Neutral. The current price of 4162.00 is above the 20-day moving average (MA) of 4106.15, below the 50-day MA of 4503.57, and below the 200-day MA of 4325.82, indicating a neutral trend. The MACD of -109.94 indicates Negative momentum. The RSI at 46.92 is Neutral, neither overbought nor oversold. The STOCH value of 86.56 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for JP:5844.

Kyoto Financial Group,Inc. Peers Comparison

Overall Rating

UnderperformOutperform

Sector (68)

Financial Indicators

JP:5844 against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
JP:7167	81Outperform	JPY 1.32T	14.87	―	2.49%	20.96%	46.10%
JP:5831	77Outperform	JPY 1.74T	16.82	―	2.97%	23.02%	19.90%
JP:5844	77Outperform	JPY 1.24T	11.39	―	4.57%	18.82%	226.00%
JP:8354	75Outperform	JPY 1.38T	13.44	9.26%	2.78%	27.18%	32.25%
JP:5830	73Outperform	JPY 993.31B	11.91	―	2.18%	18.44%	19.46%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
JP:8366	57Neutral	JPY 545.78B	22.21	―	1.69%	23.01%	25.19%

* Financial Sector Average

Performance Comparison

JP:5844 and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
JP:5844	Kyoto Financial Group,Inc.	4162.00	1043.66	33.47%
JP:8354	Fukuoka Financial Group	7194.00	2774.34	62.77%
JP:5830	Iyogin Holdings,Inc.	3211.00	880.12	37.76%
JP:5831	Shizuoka Financial Group, Inc.	3200.00	1126.73	54.35%
JP:7167	Mebuki Financial Group, Inc.	1525.50	570.96	59.82%
JP:8366	Shiga Bank, Ltd.	2360.50	1140.22	93.44%

Kyoto Financial Group,Inc. Corporate Events

Kyoto Financial Group Announces Passing of Outside Director and Confirms Governance Compliance

Oct 28, 2026

Kyoto Financial Group, Inc. announced that Outside Director Shizue Izumi, who served as an Audit and Supervisory Committee Member and Independent Officer, passed away on October 23, 2026 and consequently resigned her board position on the same date....

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 stock acqu...

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 broader c...

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 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.

Date of analysis: Aug 17, 2026

Kyoto Financial Group,Inc. AI Stock Analysis