Concordia Financial Group (7186) AI Stock Analysis

• Market Cap: $1.28T
• Dividend Yield: 2.93%
• Average Volume (3M): 2.90M
• Price to Earnings (P/E): 14.8
• Beta (1Y): 1.19
• Revenue Growth: 13.73%
• EPS Growth: 28.01%
• Country: JP
• Employees: 5,815
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 23.68
• Shares Outstanding: 1,144,616,100
• 10 Day Avg. Volume: 3,123,790
• 30 Day Avg. Volume: 2,904,723
• PEG Ratio: 0.54
• Price to Book (P/B): 0.88
• Price to Sales (P/S): 3.53
• P/FCF Ratio: 33.64
• Enterprise Value/Market Cap: -0.27
• Enterprise Value/Revenue: -1.04
• Enterprise Value/Gross Profit: -1.04
• Enterprise Value/Ebitda: -2.62
• 1Y Price Target: $1,326.15
• Price Target Upside: 17.83% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 72 Outperform
• Price Target: ¥1,249.00 ▲(10.97% Upside)

Concordia Financial Group's stock score is driven by strong technical momentum and fair valuation. While financial performance shows profitability and improved leverage, challenges in revenue growth and cash conversion efficiency are concerns. The absence of earnings call data and corporate events limits additional insights.

Concordia Financial Group Business Overview & Revenue Model

Company Description

Concordia Financial Group (7186) is a diversified financial services company based in Japan, primarily engaged in the banking and insurance sectors. The company offers a wide range of financial products and services, including retail and corporate banking, asset management, and insurance solutions. Through its subsidiaries, Concordia Financial Group aims to provide comprehensive financial services that cater to the diverse needs of individuals and businesses, enhancing financial well-being and stability.

How the Company Makes Money

Concordia Financial Group generates revenue through multiple key streams, primarily from interest income earned on loans and investments, as well as fees and commissions from various financial services. The banking division contributes significantly to the revenue by providing loans to consumers and businesses, which are a primary source of interest income. Additionally, the company earns fees from asset management services, insurance premiums from its insurance offerings, and transaction fees from banking services. Strategic partnerships with other financial institutions and service providers further enhance its product offerings and distribution channels, contributing to its overall earnings. The company's focus on expanding its customer base and improving service efficiency also plays a crucial role in maximizing profitability.

Concordia Financial Group Financial Statement Overview

Summary

Concordia Financial Group demonstrates strong profitability with a high net profit margin and improved leverage management. However, negative revenue growth and low return on equity suggest challenges in sustaining growth and generating shareholder value. The cash flow position has improved, but cash conversion efficiency needs enhancement.

Income Statement

Concordia Financial Group shows strong profitability with a consistent gross profit margin of 100% over the years. The net profit margin has improved to 25.33% in 2025 from 19.64% in 2024, indicating enhanced efficiency in converting revenue into profit. However, the revenue growth rate has been negative in recent years, with a decline of 1.12% in 2025, which is a concern for future growth prospects.

Balance Sheet

The company's debt-to-equity ratio has improved to 1.74 in 2025 from 1.97 in 2024, suggesting better leverage management. However, the return on equity remains relatively low at 6.43%, indicating moderate efficiency in generating returns from shareholders' equity. The equity ratio is not provided, limiting a full assessment of financial stability.

Cash Flow

Concordia Financial Group's cash flow situation has improved with a positive free cash flow in 2025, but the operating cash flow to net income ratio is low at 0.26%, indicating potential challenges in converting income into cash. The free cash flow to net income ratio is strong at 76.82%, reflecting good cash generation relative to net income.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	336.40B	320.94B	340.71B	296.11B	270.30B	268.89B
Gross Profit	336.40B	320.94B	291.48B	266.86B	268.37B	250.76B
EBITDA	133.78B	131.69B	104.66B	93.68B	92.31B	44.01B
Net Income	87.18B	82.81B	66.93B	56.16B	53.88B	25.33B
Balance Sheet
Total Assets	24.90T	24.79T	24.38T	25.73T	24.06T	21.58T
Cash, Cash Equivalents and Short-Term Investments	0.00	4.45T	4.13T	6.43T	5.64T	4.17T
Total Debt	2.53T	2.24T	2.52T	4.50T	3.23T	1.86T
Total Liabilities	23.57T	23.50T	23.10T	24.57T	22.90T	20.42T
Stockholders Equity	1.32T	1.29T	1.28T	1.16T	1.16T	1.15T
Cash Flow
Free Cash Flow	0.00	33.72B	-2.33T	953.25B	1.23T	2.02T
Operating Cash Flow	0.00	43.90B	-2.32T	965.54B	1.25T	2.04T
Investing Cash Flow	0.00	21.59B	37.48B	-148.05B	218.75B	-480.59B
Financing Cash Flow	0.00	261.75B	56.44B	-56.93B	-43.91B	505.00M

Concordia Financial Group Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 1125.50
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: 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 1125.5 is above the 20-day moving average (MA) of 1111.05, above the 50-day MA of 1112.54, and above the 200-day MA of 967.11, indicating a bullish trend. The MACD of 3.80 indicates Negative momentum. The RSI at 53.43 is Neutral, neither overbought nor oversold. The STOCH value of 73.24 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
8331	73 Outperform	$1.08T	14.15	6.56%	2.67%	15.86%	24.81%
7186	72 Outperform	$1.28T	14.79	6.86%	2.93%	13.73%	28.01%
5831	72 Outperform	¥1.15T	15.09	―	2.86%	9.16%	29.12%
5844	71 Outperform	¥928.28B	28.30	―	2.03%	19.01%	-1.89%
7167	71 Outperform	¥839.97B	15.22	―	2.21%	13.30%	40.85%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
8354	61 Neutral	$874.88B	11.63	7.39%	3.48%	10.63%	12.90%

Concordia Financial Group Corporate Events

Concordia Financial Group Reports Progress in Share Buyback Program

Concordia Financial Group has announced the progress of its share repurchase program, having bought back 2,752,000 shares worth approximately ¥3.06 billion between August 6 and August 31, 2025. This repurchase is part of a broader plan approved by the Board of Directors to buy back up to 13 million shares, valued at up to ¥10 billion, by November 30, 2025. The move is expected to impact the company’s stock value and market positioning.

The most recent analyst rating on (JP:7186) stock is a Buy with a Yen1249.00 price target. To see the full list of analyst forecasts on Concordia Financial Group stock, see the JP:7186 Stock Forecast page.

Concordia Financial Group Reports Stable Capital Ratios for Q1 2025

Concordia Financial Group has announced its capital ratios for the first quarter ending June 30, 2025. The group reported a total capital ratio of 16.19%, a Tier 1 capital ratio of 15.65%, and a Common Equity Tier 1 capital ratio of 15.60%, indicating a stable financial position. The Bank of Yokohama and The Higashi-Nippon Bank also showed improvements in their capital adequacy ratios, reflecting a positive outlook for the group’s financial health and potential resilience in the market.

The most recent analyst rating on (JP:7186) stock is a Hold with a Yen1000.00 price target. To see the full list of analyst forecasts on Concordia Financial Group stock, see the JP:7186 Stock Forecast page.

Concordia Financial Group Reports Strong Earnings Growth

Concordia Financial Group, Ltd. is a prominent Japanese financial institution listed on the Tokyo Stock Exchange, primarily engaged in banking services. The company operates through its subsidiaries, including The Bank of Yokohama, Ltd., The Higashi-Nippon Bank, Limited, and THE KANAGAWA BANK, LTD., focusing on providing comprehensive financial solutions to its clients.

Concordia Financial Group Announces Share Repurchase Plan

Concordia Financial Group has announced a plan to repurchase up to 13 million shares of its common stock, valued at a maximum of ¥10 billion, as part of a strategy to enhance capital efficiency. This move, approved by the Board of Directors, is expected to impact the company’s capital structure and potentially influence shareholder value.

The most recent analyst rating on (JP:7186) stock is a Hold with a Yen1000.00 price target. To see the full list of analyst forecasts on Concordia Financial Group stock, see the JP:7186 Stock Forecast page.

Concordia Financial Group Reports Strong Q1 2025 Results and Positive Dividend Outlook

Concordia Financial Group reported a significant increase in its financial performance for the three months ended June 30, 2025, with ordinary income rising by 21.9% and profit attributable to owners of the parent increasing by 19.2% compared to the same period last year. The company also announced a forecasted increase in annual dividends per share for the fiscal year ending March 31, 2026, indicating a positive outlook for stakeholders.

The most recent analyst rating on (JP:7186) stock is a Hold with a Yen1000.00 price target. To see the full list of analyst forecasts on Concordia Financial Group stock, see the JP:7186 Stock Forecast page.