Want to see JP:7180 full AI Analyst Report?
Top Page
Kyushu Financial Group
(7180)
Select Model
Select Model
Rating:63Neutral
Price Target:
¥1,791.00
▲(14.40% Upside)
Action:Reiterated
Date:08/17/26
The score is mainly held back by financial quality—particularly highly volatile operating and free cash flow and a leveraged balance sheet—despite improving earnings. Offsetting this, technicals are supportive with the stock trading above major moving averages and neutral-to-positive momentum. Valuation appears fair with a modest dividend yield, providing limited additional uplift.
Positive Factors
Improving earnings scale
Revenue and net income have expanded substantially across the reported period, indicating that the group’s regional banking and related financial activities have grown their earnings base. If this trajectory persists, the larger profit pool can support capital formation and investment in customer franchises.
Negative Factors
Meaningful leverage
Meaningful leverage remains a structural constraint for the group, even though it is typical of regional banking. Higher debt relative to equity can increase sensitivity to funding conditions and credit deterioration, while limiting flexibility to absorb shocks or pursue expansion.
Read all positive and negative factors
Positive Factors
Negative Factors
Improving earnings scale
Revenue and net income have expanded substantially across the reported period, indicating that the group’s regional banking and related financial activities have grown their earnings base. If this trajectory persists, the larger profit pool can support capital formation and investment in customer franchises.
Read all positive factors
Kyushu Financial Group (7180) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥646.07B
Dividend Yield2.38%
Average Volume (3M)1.32M
Price to Earnings (P/E)17.2
Beta (1Y)1.57
Revenue Growth14.57%
EPS Growth7.83%
CountryJP
Employees4,858
SectorGeneral
Sector StrengthN/A
IndustryBanks - Regional
Share Statistics
EPS (TTM)86.07
Shares Outstanding463,375,980
10 Day Avg. Volume1,385,830
30 Day Avg. Volume1,322,743
Financial Highlights & Ratios
PEG Ratio0.52
Price to Book (P/B)0.64
Price to Sales (P/S)1.88
P/FCF Ratio5.12
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
¥1,900.00Price Target Upside21.37% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)108.25
Revenue Forecast (FY)¥260.60B
Kyushu Financial Group Business Overview & Revenue Model
Company Description
Kyushu Financial Group, Inc., operating through its numerous subsidiaries, offers a comprehensive range of financial services to customers across Japan. Its business activities are structured around two main segments: Banking and Leasing. The grou...
How the Company Makes Money
Kyushu Financial Group makes money primarily through the earnings generated by its banking subsidiaries and other consolidated financial companies, and those earnings are ultimately reflected in the holding company’s consolidated results.
1) Net ...
Kyushu Financial Group Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
58
Neutral
Cash Flow
39
Negative
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 272.74B | 258.37B | 248.12B | 218.93B | 208.86B | 179.75B |
| Gross Profit | 227.01B | 211.63B | 214.99B | 188.12B | 193.43B | 162.70B |
| EBITDA | 53.02B | 63.97B | 52.48B | 47.28B | 44.26B | 32.10B |
| Net Income | 36.76B | 37.67B | 30.37B | 26.39B | 24.67B | 16.66B |
Balance Sheet | ||||||
| Total Assets | 13.75T | 13.53T | 13.28T | 13.52T | 13.18T | 14.17T |
| Cash, Cash Equivalents and Short-Term Investments | 1.48T | 1.58T | 1.89T | 2.21T | 2.23T | 3.61T |
| Total Debt | 1.69T | 1.67T | 1.99T | 2.39T | 1.96T | 5.56T |
| Total Liabilities | 12.97T | 12.76T | 12.57T | 12.80T | 12.53T | 13.50T |
| Stockholders Equity | 786.43B | 760.97B | 703.74B | 716.93B | 651.62B | 670.92B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 94.68B | -403.43B | 0.00 | -1.64T | 1.82T |
| Operating Cash Flow | 0.00 | 103.03B | -392.13B | 0.00 | -1.63T | 1.83T |
| Investing Cash Flow | 0.00 | -528.60B | 77.68B | 144.98B | 252.14B | -170.96B |
| Financing Cash Flow | 0.00 | 89.34B | -8.12B | 49.79B | -5.20B | -8.88B |
Kyushu Financial Group Technical Analysis
Negative
1565.50
Price Trends
1594.74
Negative
1530.09
Negative
1373.06
Positive
Market Momentum
-24.40
Positive
35.10
Neutral
17.45
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:7180, the sentiment is Negative. The current price of 1565.5 is below the 20-day moving average (MA) of 1653.95, below the 50-day MA of 1594.74, and above the 200-day MA of 1373.06, indicating a neutral trend. The MACD of -24.40 indicates Positive momentum. The RSI at 35.10 is Neutral, neither overbought nor oversold. The STOCH value of 17.45 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for JP:7180.
Kyushu Financial Group Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
72 Outperform | ¥101.11B | 10.19 | ― | 1.92% | 15.70% | 63.78% | |
71 Outperform | ¥146.20B | 11.95 | ― | 2.84% | 20.97% | 40.16% | |
69 Neutral | ¥209.74B | 18.09 | 4.63% | 1.84% | 25.47% | 54.85% | |
68 Neutral | ¥199.65B | 13.24 | ― | 2.33% | 8.31% | 47.11% | |
65 Neutral | ¥1.27T | 13.83 | 8.55% | 3.09% | 22.40% | 23.35% | |
63 Neutral | ¥646.07B | 17.24 | 4.82% | 2.52% | 14.57% | 7.83% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
JP:7180
Kyushu Financial Group
1,472.00
604.08
69.60%
JP:8354
Fukuoka Financial Group
6,680.00
2,327.40
53.47%
JP:8392
Oita Bank
2,689.00
1,653.85
159.77%
JP:7350
Okinawa Financial Group, Inc.
6,850.00
3,037.15
79.66%
JP:8393
Miyazaki Bank Ltd.
2,341.00
1,425.25
155.64%
JP:8395
Bank of Saga Ltd.
6,100.00
2,890.24
90.05%
Kyushu Financial Group Corporate Events
Kyushu Financial Group Advances Share Buyback Program
Oct 9, 2026
Kyushu Financial Group has continued its share repurchase program, buying 580,800 common shares on the Tokyo Stock Exchange in September 2026 for about 933 million yen. The buyback is part of a broader Board-approved scheme that allows up to 12 mi...
Kyushu Financial Group Advances Share Buyback Under ¥12 Billion Authorization
Sep 10, 2026
Kyushu Financial Group has reported progress on a previously approved share repurchase program, underscoring an active capital management strategy aimed at enhancing shareholder value. The buyback is being conducted through market purchases on the...
Kyushu Financial Group Updates Progress on Share Buyback Program
Aug 10, 2026
Kyushu Financial Group has disclosed the latest progress in its ongoing share repurchase program, buying back 1,194,700 common shares on the Tokyo Stock Exchange between July 1 and July 31, 2026, at a total cost of about 1.81 billion yen. The buyb...
Kyushu Financial Group Posts Higher Revenue but Softer Profit, Keeps Full-Year Outlook Intact
Aug 7, 2026
Kyushu Financial Group reported consolidated ordinary income of ¥85.2 billion for the quarter ended June 30, 2026, up 32.8% year on year, while ordinary profit fell 4.7% to ¥18.2 billion and profit attributable to owners declined 6.7% to...
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.