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Mebuki Financial Group, Inc. (7167) AI Stock Analysis
Mebuki Financial Group, Inc.
(TSE/TYO:7167)
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.
Mebuki Financial Group, Inc. (7167) vs. iShares MSCI Japan ETF (EWJ)
- Market Cap
- JPY 1.41T
- Dividend Yield
- 2.53%
- Average Volume (3M)
- 2.93M
- Price to Earnings (P/E)
- 14.6
- 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 PositiveBalance Sheet
75PositiveCash Flow
70Positive| 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
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:7167, the sentiment is Neutral. The current price of 1501.50 is below the 20-day moving average (MA) of 1572.73, below the 50-day MA of 1626.50, and above the 200-day MA of 1391.71, indicating a neutral trend. The MACD of -44.36 indicates Positive momentum. The RSI at 40.98 is Neutral, neither overbought nor oversold. The STOCH value of 60.76 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for JP:7167.
Mebuki Financial Group, Inc. Peers Comparison
Overall Rating
JP:583081Outperform
JP:833478Outperform
JP:584477.9Outperform
JP:835977Outperform- JP:716775Outperform
JP:835465Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| JP:5830 | 81Outperform | JPY 1.00T | 14.13 | ― | 2.12% | 13.26% | 3.10% |
| JP:8334 | 78Outperform | JPY 991.46B | 15.80 | 10.16% | 2.57% | 21.58% | 34.90% |
| JP:5844 | 78Outperform | JPY 1.21T | 11.33 | ― | 4.59% | 18.82% | 226.00% |
| JP:8359 | 77Outperform | JPY 1.12T | 15.51 | 6.46% | 2.86% | 19.96% | 40.57% |
| JP:7167 | 75Outperform | JPY 1.30T | 14.63 | ― | 2.53% | 25.45% | 61.40% |
| JP:8354 | 65Neutral | JPY 1.32T | 14.39 | 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
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| JP:7167 | Mebuki Financial Group, Inc. | 1501.50 | 563.83 | 60.13% | |
| JP:8354 | Fukuoka Financial Group | 6955.00 | 2595.60 | 59.54% | |
| JP:8334 | Gunma Bank | 2605.00 | 1043.72 | 66.85% | |
| JP:8359 | Hachijuni Bank | 2445.50 | 938.16 | 62.24% | |
| JP:5830 | Iyogin Holdings,Inc. | 3303.00 | 944.19 | 40.03% | |
| JP:5844 | Kyoto Financial Group,Inc. | 4139.00 | 1143.40 | 38.17% |
Mebuki Financial Group, Inc. Corporate Events
Mebuki Financial Group to Launch Agricultural Subsidiary Pascal Farm in Regional Revitalization Push
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...
Mebuki Financial Group Lifts Capital Adequacy Across Banking Subsidiaries
Mebuki Financial Group, Inc. is a Japanese regional financial holding company listed on the Tokyo Stock Exchange Prime Market, overseeing The Joyo Bank and The Ashikaga Bank. The group operates in commercial banking, providing lending, deposit, and r...
Mebuki Financial Group Lifts FY2026 Earnings Outlook on Higher Interest Income
Mebuki Financial Group has raised its consolidated earnings forecast for the fiscal year ending March 31, 2027, reflecting stronger-than-expected profitability in the first half and full year. Ordinary profit for FY2026 is now projected at ¥153....
Mebuki Financial Group Reports First-Quarter FY2026 Financial Results
Mebuki Financial Group has released its financial results for the first quarter of fiscal 2026, detailing performance across key banking operations such as loans, deposits, net interest income, and fee income from corporate clients. The disclosure al...
Mebuki Financial Group Lifts FY2026 Outlook and Dividends on Strong First-Quarter Results
Mebuki Financial Group reported solid consolidated results for the three months ended June 30, 2026, with comprehensive income rising to ¥52.7 billion and equity increasing to ¥1.11 trillion, keeping its equity-to-asset ratio at 21.1%. The...
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