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Tokyo Kiraboshi Financial Group, Inc.
(7173)
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Rating:67Neutral
Price Target:
¥1,797.00
▲(6.65% Upside)
Action:Downgraded
Date:06/29/26
The score is driven primarily by strong profitability and growth trends and improving leverage, offset by notably unstable cash flow. Technicals are bullish but overbought, and valuation is reasonable with only a modest dividend yield.
Positive Factors
Strong Revenue and Net Income Growth
Sustained revenue expansion and more than doubling net income indicate stronger earnings capacity and customer activity. This provides a durable foundation for regional banking growth over the next several quarters.
Negative Factors
Volatile and Inconsistent Cash Generation
Unstable operating and free cash flow reduces confidence in internally generated cash and makes financial planning less predictable. Continued volatility could constrain capital deployment despite strong reported earnings.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong Revenue and Net Income Growth
Sustained revenue expansion and more than doubling net income indicate stronger earnings capacity and customer activity. This provides a durable foundation for regional banking growth over the next several quarters.
Read all positive factors
Tokyo Kiraboshi Financial Group, Inc. (7173) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥493.31B
Dividend Yield1.24%
Average Volume (3M)93.29K
Price to Earnings (P/E)9.5
Beta (1Y)1.12
Revenue Growth18.11%
EPS Growth43.52%
CountryJP
Employees2,744
SectorGeneral
Sector StrengthN/A
IndustryBanks - Regional
Share Statistics
EPS (TTM)173.69
Shares Outstanding289,189,180
10 Day Avg. Volume86,350
30 Day Avg. Volume93,286
Financial Highlights & Ratios
PEG Ratio0.09
Price to Book (P/B)0.79
Price to Sales (P/S)1.87
P/FCF Ratio47.32
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Tokyo Kiraboshi Financial Group, Inc. Business Overview & Revenue Model
Company Description
Tokyo Kiraboshi Financial Group, Inc. is a Japanese financial institution delivering a broad spectrum of banking products and services primarily to individual customers and small and medium-sized enterprises. Its core offerings include loan guaran...
How the Company Makes Money
Tokyo Kiraboshi Financial Group, Inc. generates earnings primarily through its banking operations within the group. The main revenue streams are: (1) Net interest income: the spread between interest earned on loans and other interest-bearing asset...
Tokyo Kiraboshi Financial Group, Inc. Financial Statement Overview
Summary
Income Statement
84
Very Positive
Balance Sheet
62
Positive
Cash Flow
35
Negative
| Breakdown | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 177.85B | 149.94B | 121.52B | 117.34B | 98.60B |
| Gross Profit | 147.54B | 136.90B | 115.14B | 112.29B | 91.34B |
| EBITDA | 68.81B | 53.62B | 38.75B | 37.64B | 29.88B |
| Net Income | 42.36B | 31.36B | 25.65B | 21.15B | 18.18B |
Balance Sheet | |||||
| Total Assets | 7.32T | 7.09T | 7.19T | 6.74T | 6.44T |
| Cash, Cash Equivalents and Short-Term Investments | 832.46B | 980.84B | 1.16T | 936.27B | 844.42B |
| Total Debt | 199.52B | 208.03B | 1.55T | 979.10B | 1.65T |
| Total Liabilities | 6.89T | 6.72T | 6.83T | 6.42T | 6.12T |
| Stockholders Equity | 423.38B | 371.29B | 365.10B | 326.92B | 319.30B |
Cash Flow | |||||
| Free Cash Flow | 7.04B | -243.83B | 0.00 | -47.19B | 60.27B |
| Operating Cash Flow | 12.27B | -237.38B | 0.00 | -38.14B | 67.48B |
| Investing Cash Flow | -298.32B | 65.87B | -63.31B | 132.41B | 24.45B |
| Financing Cash Flow | 133.09B | -5.51B | 262.49B | -3.32B | -2.30B |
Tokyo Kiraboshi Financial Group, Inc. Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
84 Outperform | ¥276.94B | 17.32 | ― | 3.00% | 30.51% | 18.50% | |
81 Outperform | ¥5.62T | 21.16 | 9.00% | 1.23% | 17.19% | 19.44% | |
79 Outperform | ¥2.18T | 19.50 | 7.77% | 1.97% | 21.41% | 30.81% | |
78 Outperform | ¥1.46T | 16.58 | ― | 2.00% | 25.45% | 61.40% | |
70 Outperform | ¥1.91T | 19.26 | 7.67% | 1.89% | 31.08% | 36.63% | |
67 Neutral | ¥493.31B | 9.48 | ― | 1.95% | 18.11% | 43.52% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
JP:7173
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Tokyo Kiraboshi Financial Group, Inc. Corporate Events
Tokyo Kiraboshi posts profit surge but keeps subdued full-year outlook
Aug 3, 2026
Tokyo Kiraboshi Financial Group reported a strong start to its fiscal year, with ordinary income rising 31.5% to ¥51.1 billion and profit attributable to owners of parent climbing 40.8% to ¥8.1 billion for the three months ended June 30,...
Tokyo Kiraboshi to Grant Restricted Treasury Shares to Employee Stock Ownership Plan
Jun 24, 2026
Tokyo Kiraboshi Financial Group has approved the disposal of treasury shares as restricted stock to its Employee Stock Ownership Association, as part of an incentive plan for up to 3,868 employees of its subsidiaries. Following an eight-for-one sh...
Tokyo Kiraboshi Completes Conversion and Cancellation of First Series Preferred Shares
May 27, 2026
Tokyo Kiraboshi Financial Group has completed the conversion of all 750,000 First Series Class I preferred shares, previously held entirely by Sumitomo Mitsui Trust Bank, into a total of 5,498,532 common shares through two conversion dates, May 19...
Tokyo Kiraboshi to Use ¥8 Billion Internal Dividend to Boost UI Bank Capital
May 27, 2026
Tokyo Kiraboshi Financial Group will receive an ¥8 billion dividend from its consolidated subsidiary Kiraboshi Bank, with the funds earmarked to support a capital increase at UI Bank as part of the group’s capital management strategy. T...
Tokyo Kiraboshi Financial Group Buys Back and Cancels All Class II Preferred Shares
May 25, 2026
Tokyo Kiraboshi Financial Group has completed the acquisition of all 2 million outstanding Class II preferred shares from the Tokyo Metropolitan Government for a total of ¥40 billion, at ¥20,000 per share. The company simultaneously canc...
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.