Jimoto Holdings, Inc. (7161) AI Stock Analysis

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Jimoto Holdings, Inc.

(TSE/TYO:7161)

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Rating:65Neutral

Price Target:JPY 527.00▼(-1.68% Downside)

Action:reiterated

Date:08/19/26

The score is driven primarily by improving fundamentals (return to profitability, better leverage, and positive recent cash generation), supported by strong bullish price trend. Offsetting these positives are the company’s history of high earnings/cash-flow volatility and near-term overextended technical readings; valuation is favorable on P/E but the dividend yield is modest.

Positive Factors

Profitability RecoveryThe return to profitability and further earnings improvement indicate that the bank has restored positive earnings capacity. If maintained, stronger margins and rising net income can support capital formation, internal investment, and greater resilience over the next several quarters.

Negative Factors

Earnings VolatilityAlthough earnings have recovered, the recent history of deep losses demonstrates that profitability is not yet proven across business conditions. Such volatility makes future earnings less predictable and could limit the bank’s ability to compound capital consistently through a full cycle.

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

Market Cap: JPY 14.34B
Dividend Yield: 0.93%
Average Volume (3M): 137.68K
Price to Earnings (P/E): 5.6
Beta (1Y): 1.14
Revenue Growth: 16.90%
EPS Growth: 70.34%
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

Earnings have clearly recovered in 2025–2026 with improving margins and ~10% revenue growth in 2026, and leverage improved (debt-to-equity down to ~0.81). However, the multi-year volatility (large losses in 2023–2024 and uneven cash flow history) keeps the score in the mid-range.

Income Statement

62Positive

Balance Sheet

55Neutral

Cash Flow

57Neutral

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 SentimentNeutral

Last Price536.00

Price Trends

50DMA603.00Negative

100DMA561.83Negative

200DMA533.51Positive

Market Momentum

MACD-22.04Negative

RSI44.32Neutral

STOCH70.55Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:7161, the sentiment is Neutral. The current price of 536.00 is below the 20-day moving average (MA) of 556.15, below the 50-day MA of 603.00, and above the 200-day MA of 533.51, indicating a neutral trend. The MACD of -22.04 indicates Negative momentum. The RSI at 44.32 is Neutral, neither overbought nor oversold. The STOCH value of 70.55 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral 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:8349	79Outperform	JPY 13.29B	6.83	―	3.56%	16.34%	21.72%
JP:8383	79Outperform	JPY 15.87B	8.56	―	2.94%	25.62%	28.16%
JP:8563	79Outperform	JPY 14.07B	8.27	―	3.62%	19.40%	36.61%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
JP:7161	65Neutral	JPY 14.49B	5.59	―	0.93%	16.90%	70.34%
JP:8562	59Neutral	JPY 11.68B	10.91	―	1.50%	20.73%	―
JP:8365	57Neutral	JPY 10.25B	8.20	―	3.02%	2.75%	18.36%

* 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.	536.00	158.88	42.13%
JP:8349	Tohoku Bank, Ltd.	1404.00	117.34	9.12%
JP:8365	Bank of Toyama Ltd.	1906.00	209.61	12.36%
JP:8383	TOTTORI BANK, LTD.	1701.00	380.33	28.80%
JP:8562	Fukushima Bank, Ltd.	334.00	104.17	45.32%
JP:8563	Daito Bank, Ltd.	1106.00	349.38	46.18%

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