Mebuki Financial Group, Inc. (7167) AI Stock Analysis

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Mebuki Financial Group, Inc.

(TSE/TYO:7167)

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Rating:75Outperform

Price Target:JPY 1,634.00▲(12.53% Upside)

Action:reiterated

Date:08/17/26

Mebuki Financial Group earns a score of 75, reflecting solid financial health and positive technical momentum, partially offset by a full valuation. The company's improving profitability, conservative leverage, and return to cash generation are key strengths. However, the recent price surge may have outpaced fundamentals, suggesting cautious optimism.

Positive Factors

Profitability ImprovementStrong recent revenue and profit growth indicates improved earnings power across the banking franchise. Expansion in both net and operating margins can support internal capital generation, strengthen resilience, and provide greater capacity to invest in customer relationships and future growth.

Negative Factors

Cash-Flow VolatilityAlthough cash generation recovered strongly in 2026, the prior pattern of negative and zero reported values shows that cash-flow performance has not been consistently reliable. Such volatility can complicate capital planning and make it harder to assess the durability of earnings conversion through different banking cycles.

Mebuki Financial Group, Inc. (7167) vs. iShares MSCI Japan ETF (EWJ)

Market Cap: JPY 1.38T
Dividend Yield: 2.62%
Average Volume (3M): 2.92M
Price to Earnings (P/E): 13.1
Beta (1Y): 1.41
Revenue Growth: 25.45%
EPS Growth: 61.40%
Country: Japan
Employees: 5,880
Sector: General
Sector Strength: 55
Industry: Banks - Regional

Mebuki Financial Group, Inc. Business Overview & Revenue Model

Company Description

Mebuki Financial Group, Inc. is a financial services provider operating both within Japan and globally. It accepts diverse types of deposits and extends credit to both corporate clients and individual consumers, notably offering housing loan products...

How the Company Makes Money

Mebuki Financial Group makes money primarily through its banking operations under its consolidated subsidiaries. Key revenue streams generally include: (1) Net interest income: interest earned on loans and other interest-bearing assets (such as secur...

Mebuki Financial Group, Inc. Financial Statement Overview

Summary

Mebuki Financial Group shows strong income growth with net profit margin of 21.1% and improving operating margins. Balance sheet strengthened with declining debt-to-equity (1.49) and growing equity, though ROE remains moderate at 7.8%. Cash flow turned positive, generating ¥198B operating cash flow, covering 93% of net income. Past volatility and low ROE are noted, but overall trajectory is favorable.

Income Statement

85Very Positive

Balance Sheet

75Positive

Cash Flow

70Positive

Financial statement breakdown
Breakdown	TTM	Mar 2026	Mar 2025	Mar 2024	Mar 2023	Mar 2022
Income Statement
Total Revenue	432.57B	399.64B	316.78B	270.93B	290.30B	217.85B
Gross Profit	343.08B	308.21B	248.26B	224.16B	258.42B	194.32B
EBITDA	136.15B	126.53B	91.14B	71.14B	55.07B	70.28B
Net Income	96.44B	84.16B	58.23B	43.37B	32.18B	42.96B
Balance Sheet
Total Assets	21.89T	21.17T	21.41T	21.79T	21.39T	24.13T
Cash, Cash Equivalents and Short-Term Investments	3.22T	2.46T	3.23T	4.44T	4.82T	7.27T
Total Debt	2.04T	1.60T	2.27T	2.77T	2.56T	10.23T
Total Liabilities	20.77T	20.10T	20.44T	20.80T	20.48T	23.17T
Stockholders Equity	1.11T	1.08T	965.98B	989.37B	904.75B	959.06B
Cash Flow
Free Cash Flow	0	184.42B	0	-31.72B	-3.37T	1.23T
Operating Cash Flow	0	197.93B	0	-25.96B	-3.37T	-6.86B
Investing Cash Flow	0	-445.69B	-195.56B	-325.34B	922.43B	-358.51B
Financing Cash Flow	0	-532.35B	-413.36B	-31.95B	-16.67B	589.54B

Mebuki Financial Group, Inc. Technical Analysis

Technical Analysis SentimentNegative

Last Price1452.00

Price Trends

50DMA1616.26Negative

100DMA1548.84Negative

200DMA1397.51Positive

Market Momentum

MACD-48.52Positive

RSI36.56Neutral

STOCH43.30Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:7167, the sentiment is Negative. The current price of 1452.00 is below the 20-day moving average (MA) of 1536.80, below the 50-day MA of 1616.26, and above the 200-day MA of 1397.51, indicating a neutral trend. The MACD of -48.52 indicates Positive momentum. The RSI at 36.56 is Neutral, neither overbought nor oversold. The STOCH value of 43.30 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for JP:7167.

Mebuki Financial Group, Inc. Peers Comparison

Overall Rating

UnderperformOutperform

Sector (55)

Financial Indicators

JP:7167 against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
JP:5830	78Outperform	JPY 970.89B	12.51	―	2.17%	13.26%	3.10%
JP:8334	78Outperform	JPY 956.64B	14.07	10.16%	2.61%	21.58%	34.90%
JP:8359	77Outperform	JPY 1.10T	14.04	6.46%	2.88%	19.96%	40.57%
JP:7167	75Outperform	JPY 1.26T	13.06	―	2.62%	25.45%	61.40%
JP:5844	67Neutral	JPY 1.19T	10.49	―	4.62%	18.82%	226.00%
JP:8354	63Neutral	JPY 1.30T	13.16	8.55%	2.88%	22.40%	23.35%
Sector *	55Neutral	$6.65B	3.83	-15.92%	6.20%	10.91%	7.18%

* General Sector Average

Performance Comparison

JP:7167 and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
JP:7167	Mebuki Financial Group, Inc.	1452.00	527.39	57.04%
JP:8354	Fukuoka Financial Group	6947.00	2612.87	60.29%
JP:8334	Gunma Bank	2569.00	1009.67	64.75%
JP:8359	Hachijuni Bank	2431.50	918.82	60.74%
JP:5830	Iyogin Holdings,Inc.	3219.00	945.94	41.62%
JP:5844	Kyoto Financial Group,Inc.	4109.00	1052.99	34.46%

Mebuki Financial Group, Inc. Corporate Events

Mebuki Financial Group to Launch Agricultural Subsidiary Pascal Farm in Regional Revitalization Push

Aug 31, 2026

Mebuki Financial Group will establish an agricultural subsidiary, Pascal Farm, Ltd., through an investment by its wholly owned unit The Ashikaga Bank, to enter the agricultural business in Ibaraki and Tochigi. The move aligns with its medium-term pla...

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

Mebuki Financial Group, Inc. AI Stock Analysis