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Tokyo Kiraboshi Financial Group, Inc.
(7173)
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Rating:67Neutral
Price Target:
¥1,838.00
▲(9.08% 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 growth
Sustained revenue expansion indicates broadening business activity across the group’s banking and related financial services. The sharp 2026 increase strengthens near-term earnings momentum while providing a larger operating base from which the company can compound growth.
Negative Factors
Volatile cash generation
Large year-to-year swings in operating and free cash flow make internally generated funding less predictable, even when reported earnings are strong. This can constrain capital allocation visibility and make the group more sensitive to changes in liquidity and business conditions.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong revenue growth
Sustained revenue expansion indicates broadening business activity across the group’s banking and related financial services. The sharp 2026 increase strengthens near-term earnings momentum while providing a larger operating base from which the company can compound growth.
Read all positive factors
Tokyo Kiraboshi Financial Group, Inc. (7173) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥495.33B
Dividend Yield1.27%
Average Volume (3M)1.13M
Price to Earnings (P/E)9.2
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. Volume1,079,840
30 Day Avg. Volume1,129,593
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. Technical Analysis
Positive
1685.00
Price Trends
1737.85
Negative
1596.47
Positive
1415.73
Positive
Market Momentum
-3.62
Positive
50.19
Neutral
48.25
Neutral
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 1685 is below the 20-day moving average (MA) of 1720.35, below the 50-day MA of 1737.85, and above the 200-day MA of 1415.73, indicating a neutral trend. The MACD of -3.62 indicates Positive momentum. The RSI at 50.19 is Neutral, neither overbought nor oversold. The STOCH value of 48.25 is Neutral, 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 (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
84 Outperform | ¥282.63B | 16.93 | ― | 2.61% | 30.51% | 18.50% | |
81 Outperform | ¥5.85T | 20.81 | 9.18% | 1.37% | 17.19% | 19.44% | |
79 Outperform | ¥2.20T | 18.93 | 7.93% | 2.36% | 21.41% | 30.81% | |
78 Outperform | ¥1.48T | 16.22 | ― | 2.32% | 25.45% | 61.40% | |
70 Outperform | ¥1.93T | 18.78 | 8.14% | 2.24% | 31.08% | 36.63% | |
67 Neutral | ¥495.33B | 9.25 | ― | 1.57% | 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 Finalizes Adjusted Treasury Share Disposal for Employee Stock Plan
Aug 31, 2026
Tokyo Kiraboshi Financial Group has completed payment procedures for the disposal of treasury shares to its Employee Stock Ownership Association under a restricted stock incentive plan approved in June 2026. The disposal, conducted via third-party...
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...
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.