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Concordia Financial Group
(7186)
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Rating:70Outperform
Price Target:
¥2,128.00
▲(10.52% Upside)
Action:Upgraded
Date:08/17/26
The score is driven primarily by improving financial performance (strong earnings recovery and generally supportive cash generation), offset by balance-sheet leverage and only moderate ROE. Technicals add support due to a clear uptrend and positive momentum. Valuation is neutral-to-moderate, with a mid-range P/E and a modest dividend yield.
Positive Factors
Strong revenue and earnings recovery
Sustained revenue growth and a substantial multi-year earnings recovery indicate stronger operating performance and customer activity. This improves internal capital generation and provides a durable foundation for regional banking expansion over the next several quarters.
Negative Factors
Meaningful balance-sheet leverage
A highly leveraged banking balance sheet remains exposed to credit deterioration, funding pressure, and changes in asset quality. Even after improvement from prior peaks, the scale of debt can constrain flexibility if regional economic conditions weaken.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong revenue and earnings recovery
Sustained revenue growth and a substantial multi-year earnings recovery indicate stronger operating performance and customer activity. This improves internal capital generation and provides a durable foundation for regional banking expansion over the next several quarters.
Read all positive factors
Concordia Financial Group (7186) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥2.18T
Dividend Yield1.98%
Average Volume (3M)2.90M
Price to Earnings (P/E)19.4
Beta (1Y)1.32
Revenue Growth21.41%
EPS Growth30.81%
CountryJP
Employees6,313
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)99.15
Shares Outstanding1,144,616,100
10 Day Avg. Volume3,123,790
30 Day Avg. Volume2,904,723
Financial Highlights & Ratios
PEG Ratio0.47
Price to Book (P/B)1.11
Price to Sales (P/S)3.25
P/FCF Ratio8.73
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)125.2
Revenue Forecast (FY)¥415.26B
Concordia Financial Group Business Overview & Revenue Model
Company Description
Yokohama Financial Group, Inc. functions as a holding company with a varied operational scope. Its business segments encompass banking, securities, leasing, information services and research, and venture capital. The entity commenced operations on...
How the Company Makes Money
Concordia Financial Group makes money primarily through the earnings of its consolidated subsidiaries, mainly its regional banking operations. Key revenue streams typically include (1) net interest income from lending and investing activities—earn...
Concordia Financial Group Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
60
Neutral
Cash Flow
67
Positive
| Breakdown | TTM | Mar 2026 | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 497.13B | 479.29B | 388.40B | 363.81B | 307.63B | 275.11B |
| Gross Profit | 391.87B | 380.71B | 312.67B | 299.49B | 265.29B | 261.59B |
| EBITDA | 160.91B | 169.01B | 131.69B | 104.66B | 93.69B | 92.31B |
| Net Income | 111.52B | 106.52B | 82.81B | 66.93B | 56.16B | 53.88B |
Balance Sheet | ||||||
| Total Assets | 25.08T | 25.67T | 24.79T | 24.38T | 25.73T | 24.06T |
| Cash, Cash Equivalents and Short-Term Investments | 3.60T | 4.15T | 4.45T | 4.13T | 6.43T | 5.64T |
| Total Debt | 2.57T | 2.54T | 2.24T | 2.52T | 4.50T | 4.81T |
| Total Liabilities | 23.61T | 24.25T | 23.50T | 23.10T | 24.57T | 22.90T |
| Stockholders Equity | 1.46T | 1.40T | 1.29T | 1.28T | 1.16T | 1.16T |
Cash Flow | ||||||
| Free Cash Flow | 178.29B | 178.29B | 229.56B | -21.06B | 79.58B | 64.66B |
| Operating Cash Flow | 192.16B | 192.16B | 239.73B | -11.71B | 85.16B | 76.98B |
| Investing Cash Flow | -646.44B | -646.44B | -85.58B | -287.04B | -912.64B | -1.15T |
| Financing Cash Flow | 151.32B | 151.32B | 173.08B | -1.93T | 1.59T | 2.50T |
Concordia Financial Group Technical Analysis
Positive
1925.50
Price Trends
1848.30
Positive
1708.32
Positive
1531.08
Positive
Market Momentum
14.52
Positive
56.66
Neutral
51.23
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:7186, the sentiment is Positive. The current price of 1925.5 is above the 20-day moving average (MA) of 1872.85, above the 50-day MA of 1848.30, and above the 200-day MA of 1531.08, indicating a bullish trend. The MACD of 14.52 indicates Positive momentum. The RSI at 56.66 is Neutral, neither overbought nor oversold. The STOCH value of 51.23 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:7186.
Concordia Financial Group Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
72 Outperform | ¥1.92T | 19.00 | ― | 3.04% | 18.19% | 34.30% | |
70 Outperform | ¥2.18T | 19.42 | 7.77% | 1.97% | 21.41% | 30.81% | |
70 Outperform | ¥1.91T | 19.36 | 7.67% | 1.89% | 31.08% | 36.63% | |
70 Outperform | ¥1.41T | 13.40 | ― | 2.04% | 18.82% | 226.00% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | ¥1.44T | 16.49 | ― | 2.00% | 25.45% | 61.40% | |
65 Neutral | ¥1.47T | 16.09 | 8.30% | 2.38% | 22.40% | 23.35% |
* Financial Sector Average
JP:7186
Concordia Financial Group
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Concordia Financial Group Corporate Events
Yokohama Financial Group Posts Strong Capital Ratios for Q1 2026
Aug 14, 2026
Yokohama Financial Group reported solid capital ratios for the quarter ended June 30, 2026, with its consolidated total capital ratio rising to 15.75% and Common Equity Tier 1 ratio to 15.06%, supported by higher total capital and risk-weighted as...
Yokohama Financial Group Launches ¥20 Billion Share Buyback to Boost Capital Efficiency
Aug 5, 2026
Yokohama Financial Group, Inc. has approved a share repurchase program for its common stock to improve capital efficiency in light of its business performance and current capital levels. The initiative underscores management’s focus on optim...
Yokohama Financial Group Posts Strong Q1 Earnings and Lifts Annual Dividend Outlook
Aug 5, 2026
Yokohama Financial Group reported solid earnings growth for the three months ended June 30, 2026, with ordinary income rising 15.9% year on year to ¥130,998 million and profit attributable to owners of the parent increasing 18.4% to ¥32,...
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.