Tokyo Kiraboshi Financial Group, Inc. (JP:7173)
:7173
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Tokyo Kiraboshi Financial Group, Inc.
(7173)
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Rating:70Outperform
Price Target:
¥14,663.00
▲(68.54% Upside)
Action:Upgraded
Date:06/25/26
Overall score reflects strong profitability and growth trends plus bullish technical momentum, balanced by a key risk: highly volatile cash flow and only moderate balance-sheet strength despite recent leverage improvement. Valuation is supportive with a low P/E, while dividend yield is modest.
Positive Factors
Revenue & Net Income Growth
Sustained revenue and net income expansion through 2026 indicates the franchise is growing core lending and fee activities. Larger, consistent profits provide capacity for reinvestment, capital buffers, and strategic initiatives, supporting durable earnings power over months.
Negative Factors
Volatile Operating & Free Cash Flow
Irregular operating and free cash flow reduces confidence in internally funded growth and dividends. Persistent swings force reliance on external funding or asset sales in weak years, constraining strategic options and increasing execution risk across cycles.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue & Net Income Growth
Sustained revenue and net income expansion through 2026 indicates the franchise is growing core lending and fee activities. Larger, consistent profits provide capacity for reinvestment, capital buffers, and strategic initiatives, supporting durable earnings power over months.
Read all positive factors
Tokyo Kiraboshi Financial Group, Inc. (7173) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥514.19B
Dividend Yield1.95%
Average Volume (3M)93.29K
Price to Earnings (P/E)10.5
Beta (1Y)1.10
Revenue Growth17.98%
EPS Growth34.51%
CountryJP
Employees2,105
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)908.81
Shares Outstanding36,148,647
10 Day Avg. Volume86,350
30 Day Avg. Volume93,286
Financial Highlights & Ratios
PEG Ratio0.23
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
The group earns money primarily through its banking subsidiaries. Its core revenue stream is interest income: it collects interest on loans and other interest-earning assets and pays interest on deposits and other funding, with the net spread (net...
Tokyo Kiraboshi Financial Group, Inc. Financial Statement Overview
Summary
Income Statement
84
Very Positive
Balance Sheet
62
Positive
Cash Flow
35
Negative
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 140.12B | 177.85B | 149.94B | 121.52B | 117.34B | 98.60B |
| Gross Profit | 125.64B | 147.54B | 136.90B | 115.14B | 112.29B | 91.34B |
| EBITDA | 44.49B | 68.81B | 53.62B | 38.75B | 37.64B | 29.88B |
| Net Income | 30.62B | 42.36B | 31.36B | 25.65B | 21.15B | 18.18B |
Balance Sheet | ||||||
| Total Assets | 7.26T | 7.32T | 7.09T | 7.19T | 6.74T | 6.44T |
| Cash, Cash Equivalents and Short-Term Investments | 1.00T | 832.46B | 980.84B | 1.16T | 936.27B | 844.42B |
| Total Debt | 160.41B | 199.52B | 208.03B | 1.55T | 979.10B | 1.65T |
| Total Liabilities | 6.88T | 6.89T | 6.72T | 6.83T | 6.42T | 6.12T |
| Stockholders Equity | 379.36B | 423.38B | 371.29B | 365.10B | 326.92B | 319.30B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 7.04B | -243.83B | 0.00 | -47.19B | 60.27B |
| Operating Cash Flow | 0.00 | 12.27B | -237.38B | 0.00 | -38.14B | 67.48B |
| Investing Cash Flow | 0.00 | -298.32B | 65.87B | -63.31B | 132.41B | 24.45B |
| Financing Cash Flow | 0.00 | 133.09B | -5.51B | 262.49B | -3.32B | -2.30B |
Tokyo Kiraboshi Financial Group, Inc. Technical Analysis
Positive
8700.00
Price Trends
11684.60
Positive
11399.79
Positive
9676.96
Positive
Market Momentum
598.67
Negative
76.69
Negative
92.50
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:7173, the sentiment is Positive. The current price of 8700 is below the 20-day moving average (MA) of 12231.50, below the 50-day MA of 11684.60, and below the 200-day MA of 9676.96, indicating a bullish trend. The MACD of 598.67 indicates Negative momentum. The RSI at 76.69 is Negative, neither overbought nor oversold. The STOCH value of 92.50 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:7173.
Tokyo Kiraboshi Financial Group, Inc. Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
72 Outperform | ¥251.66B | 16.21 | ― | 3.00% | 21.20% | 17.32% | |
70 Outperform | ¥514.19B | 10.50 | ― | 1.95% | 17.98% | 34.51% | |
70 Outperform | ¥1.69T | 18.42 | 7.38% | 2.62% | 22.65% | 28.42% | |
69 Neutral | ¥4.84T | 18.48 | 8.37% | 1.80% | 16.12% | 22.97% | |
69 Neutral | ¥1.96T | 18.22 | 7.83% | 2.54% | 23.44% | 31.35% | |
68 Neutral | ¥1.22T | 15.80 | ― | 2.00% | 26.77% | 52.39% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
* Financial Sector Average
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Tokyo Kiraboshi Financial Group, Inc. Corporate Events
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...
Tokyo Kiraboshi Sets Terms for ¥56.5 Billion Secondary Share Offering
May 19, 2026
Tokyo Kiraboshi Financial Group has set the terms for a secondary offering of its common shares, following a resolution by its board on May 8, 2026, establishing a selling price of ¥10,282 per share for shares to be purchased and underwritten...
Tokyo Kiraboshi boosts FY2026 profit and dividend ahead of share split, profits seen easing in FY2027
May 8, 2026
Tokyo Kiraboshi Financial Group reported strong results for the fiscal year ended March 31, 2026, with ordinary income rising 23.8% to ¥199.3 billion and ordinary profit jumping 45.1% to ¥60.5 billion. Profit attributable to owners of th...
Tokyo Kiraboshi Financial Group to Record ¥42.9 Billion Dividend from Bank Unit
May 8, 2026
Tokyo Kiraboshi Financial Group, Inc. will receive a dividend of ¥42,959 million from its consolidated subsidiary Kiraboshi Bank, Ltd., with payment scheduled for May 20, 2026. The transaction is significant enough to require disclosure under...
Tokyo Kiraboshi to streamline capital structure with preferred share overhaul
May 8, 2026
Tokyo Kiraboshi Financial Group plans to amend its Articles of Incorporation following a Board decision to bring the proposal to the 12th Annual General Meeting of Shareholders on June 24, 2026. The move centers on simplifying its capital structur...
Tokyo Kiraboshi Plans Eight-for-One Stock Split and Capital Structure Simplification
May 8, 2026
Tokyo Kiraboshi Financial Group’s board has approved an eight-for-one split of its common shares, aimed at lowering the price per investment unit, improving stock liquidity and broadening its investor base. The split will increase issued sha...
Tokyo Kiraboshi to Redeem and Cancel All Class II Preferred Shares Early
May 8, 2026
Tokyo Kiraboshi Financial Group has resolved to acquire and cancel all of its Class II preferred shares, ahead of the schedule outlined in its medium-term business plan. The move reflects confidence in its solid business performance and expectatio...
Tokyo Kiraboshi to Scrap All Preferred Shares and Launch Major Secondary Offering
May 8, 2026
Tokyo Kiraboshi Financial Group will convert all of its First Series Class I preferred shares, held entirely by Sumitomo Mitsui Trust Bank, into a total of 5,498,532 common shares in two stages, and subsequently cancel all 750,000 preferred shares...
Tokyo Kiraboshi Weighs Capital Policy Options Amid Reports on Preferred Share Redemption
May 7, 2026
Tokyo Kiraboshi Financial Group has addressed recent media reports regarding the potential redemption of preferred shares held by the Tokyo Metropolitan Government, stating that the information did not originate from the company. The group confirm...
Tokyo Kiraboshi Financial Group to Appoint Takeshi Yoshino as New Representative Director
Mar 25, 2026
Tokyo Kiraboshi Financial Group has announced a leadership change, appointing Director and Managing Executive Officer Takeshi Yoshino as Representative Director and Senior Managing Executive Officer, effective in late June 2026 following the 12th ...
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.