Jimoto Holdings, Inc. (7161) AI Stock Analysis

Top Page

Jimoto Holdings, Inc.

(TSE/TYO:7161)

Select Model

Rating:66Neutral

Price Target:JPY 660.00▲(17.86% Upside)

Action:reiterated

Date:08/19/26

The overall score is driven primarily by strong technical momentum, with the stock trading significantly above key moving averages and positive MACD/RSI signals. Financial performance shows a recovery but is weighed down by modest profitability and low ROE. Valuation is attractive with a very low P/E ratio, though this is partly reflective of sector norms and underlying risks.

Positive Factors

Earnings RecoveryThe return to profitability and further earnings improvement show that the recent recovery is gaining traction. Revenue acceleration and better margins can strengthen internal funding capacity, support investment in banking operations, and improve resilience over the next several quarters.

Negative Factors

Historical Earnings VolatilityThe recent profit recovery remains less dependable because it follows deep losses and negative margins in 2023–2024. Such a wide earnings range suggests that profitability can be sensitive to changing conditions, reducing confidence that current earnings power will remain stable through a full cycle.

Jimoto Holdings, Inc. (7161) vs. iShares MSCI Japan ETF (EWJ)

Market Cap: JPY 14.95B
Dividend Yield: 0.89%
Average Volume (3M): 138.26K
Price to Earnings (P/E): 5.8
Beta (1Y): 1.04
Revenue Growth: 16.90%
EPS Growth: 56.07%
Country: Japan
Employees: 1,380
Sector: Financial
Sector Strength: 68
Industry: Banks - Regional

Jimoto Holdings, Inc. Business Overview & Revenue Model

Company Description

Jimoto Holdings, Inc. is a comprehensive financial institution, delivering a broad spectrum of banking and financial solutions. The company's specialized advisory offerings encompass consulting, support for mergers and acquisitions, business successi...

How the Company Makes Money

Jimoto Holdings, Inc. makes money primarily through its banking subsidiaries by earning net interest income and fee-based income. Net interest income is generated from the spread between interest earned on interest-bearing assets (e.g., loans to indi...

Jimoto Holdings, Inc. Financial Statement Overview

Summary

Financial performance reflects a recovery to profitability with 10.3% revenue growth and positive net income, but margins remain modest and historical volatility persists. The balance sheet shows reduced leverage, yet low ROE indicates inefficiency. Cash flow is positive but inconsistent.

Income Statement

62Positive

Balance Sheet

58Neutral

Cash Flow

61Positive

Financial statement breakdown
Breakdown	TTM	Mar 2026	Mar 2025	Mar 2024	Mar 2023	Mar 2022
Income Statement
Total Revenue	38.36B	37.94B	34.33B	34.22B	33.86B	36.70B
Gross Profit	32.28B	31.46B	32.48B	33.95B	33.63B	36.41B
EBITDA	4.05B	4.85B	3.61B	-22.02B	-3.62B	5.63B
Net Income	2.74B	2.58B	1.56B	-23.46B	-7.08B	2.58B
Balance Sheet
Total Assets	2.53T	2.48T	2.48T	2.68T	2.66T	2.70T
Cash, Cash Equivalents and Short-Term Investments	236.14B	163.53B	168.16B	358.62B	222.27B	224.83B
Total Debt	49.72B	70.77B	82.93B	128.76B	68.92B	82.99B
Total Liabilities	2.44T	2.39T	2.39T	2.60T	2.58T	2.60T
Stockholders Equity	89.89B	87.55B	82.47B	83.39B	77.50B	100.67B
Cash Flow
Free Cash Flow	0	6.89B	29.99B	0	-21.38B	27.98B
Operating Cash Flow	0	7.52B	30.42B	0	-19.97B	28.96B
Investing Cash Flow	0	-2.57B	-6.87B	129.91B	19.55B	-7.98B
Financing Cash Flow	0	-9.63B	-213.89B	19.64B	-656.00M	-698.00M

Jimoto Holdings, Inc. Technical Analysis

Technical Analysis SentimentNegative

Last Price560.00

Price Trends

50DMA608.82Negative

100DMA559.92Positive

200DMA529.83Positive

Market Momentum

MACD-18.41Positive

RSI39.79Neutral

STOCH50.87Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:7161, the sentiment is Negative. The current price of 560.00 is below the 20-day moving average (MA) of 609.35, below the 50-day MA of 608.82, and above the 200-day MA of 529.83, indicating a neutral trend. The MACD of -18.41 indicates Positive momentum. The RSI at 39.79 is Neutral, neither overbought nor oversold. The STOCH value of 50.87 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for JP:7161.

Jimoto Holdings, Inc. Peers Comparison

Overall Rating

UnderperformOutperform

Sector (68)

Financial Indicators

JP:7161 against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
JP:8563	79Outperform	JPY 14.89B	8.79	―	3.40%	18.72%	19.57%
JP:8365	76Outperform	JPY 11.67B	11.24	―	2.68%	24.30%	-0.84%
JP:8349	71Outperform	JPY 13.78B	7.96	―	3.44%	18.00%	49.68%
JP:8562	69Neutral	JPY 12.00B	12.84	―	1.45%	20.99%	―
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
JP:7161	66Neutral	JPY 14.98B	5.84	―	0.89%	16.90%	56.07%
JP:8383	60Neutral	JPY 16.45B	8.84	―	2.85%	22.16%	44.08%

* Financial Sector Average

Performance Comparison

JP:7161 and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
JP:7161	Jimoto Holdings, Inc.	560.00	163.08	41.09%
JP:8349	Tohoku Bank, Ltd.	1453.00	171.18	13.35%
JP:8365	Bank of Toyama Ltd.	2145.00	477.89	28.67%
JP:8383	TOTTORI BANK, LTD.	1757.00	448.01	34.23%
JP:8562	Fukushima Bank, Ltd.	344.00	125.02	57.09%
JP:8563	Daito Bank, Ltd.	1175.00	419.35	55.50%

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 19, 2026

Jimoto Holdings, Inc. AI Stock Analysis

Top Page