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Concordia Financial Group
(7186)
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Rating:70Outperform
Price Target:
¥1,855.00
▼(-4.04% Downside)
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 earnings growth
Sustained revenue expansion alongside a more than fourfold increase in net income indicates substantial improvement in the group’s earnings capacity. This provides a stronger base for investment in banking operations, supports resilience over the next several quarters, and suggests benefits from improved operating leverage.
Negative Factors
Meaningful leverage
Although leverage has moderated, the remaining debt burden continues to constrain financial flexibility for a regional banking group. Meaningful leverage can amplify the effect of weaker earnings or credit conditions and may limit how aggressively the company can deploy capital toward future growth.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong earnings growth
Sustained revenue expansion alongside a more than fourfold increase in net income indicates substantial improvement in the group’s earnings capacity. This provides a stronger base for investment in banking operations, supports resilience over the next several quarters, and suggests benefits from improved operating leverage.
Read all positive factors
Concordia Financial Group (7186) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥1.87T
Dividend Yield2.57%
Average Volume (3M)3.64M
Price to Earnings (P/E)17.3
Beta (1Y)1.45
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. Volume3,387,250
30 Day Avg. Volume3,641,646
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 Target
¥2,400.00Price Target Upside24.16% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)130.08
Revenue Forecast (FY)¥423.94B
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 mainly through the earnings of its consolidated financial subsidiaries, centered on banking operations. Key revenue streams typically include: (1) Net interest income: interest earned on loans and other intere...
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 | 168.28B | 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
Negative
1933.00
Price Trends
1861.83
Negative
1811.64
Negative
1635.52
Positive
Market Momentum
-40.59
Positive
37.54
Neutral
13.75
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:7186, the sentiment is Negative. The current price of 1933 is above the 20-day moving average (MA) of 1837.97, above the 50-day MA of 1861.83, and above the 200-day MA of 1635.52, indicating a neutral trend. The MACD of -40.59 indicates Positive momentum. The RSI at 37.54 is Neutral, neither overbought nor oversold. The STOCH value of 13.75 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for JP:7186.
Concordia Financial Group Risk Analysis
Concordia Financial Group disclosed 31 risk factors in its most recent earnings report. Concordia Financial Group reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Concordia Financial Group Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | ¥1.31T | 14.94 | ― | 2.49% | 25.45% | 61.40% | |
72 Outperform | ¥1.65T | 16.31 | ― | 3.09% | 18.19% | 34.30% | |
70 Outperform | ¥1.87T | 17.31 | 7.93% | 2.57% | 21.41% | 30.81% | |
70 Outperform | ¥1.70T | 17.35 | 8.14% | 2.37% | 31.08% | 36.63% | |
70 Outperform | ¥1.20T | 11.36 | ― | 4.58% | 18.82% | 226.00% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | ¥1.32T | 14.68 | 8.55% | 2.82% | 22.40% | 23.35% |
* Financial Sector Average
JP:7186
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Concordia Financial Group Corporate Events
Yokohama Financial Group Completes ¥20 Billion Share Buyback Program
Oct 14, 2026
Yokohama Financial Group, Inc. has completed a share repurchase program of its common stock initiated under a board resolution dated August 5, 2026, executed via market purchases based on a discretionary dealing contract. Between October 1 and Oct...
Yokohama Financial Group Advances Share Buyback, Nears ¥15 Billion in Repurchases
Oct 5, 2026
Yokohama Financial Group has reported progress on its ongoing share buyback program, repurchasing 3,493,800 common shares between September 1 and September 30, 2026, via market purchases under a discretionary dealing contract, at a total cost of &...
Yokohama Financial Group Reports Progress on ¥20 Billion Share Buyback Program
Sep 3, 2026
Yokohama Financial Group has disclosed progress on its ongoing share repurchase program authorized under its articles of incorporation and Japan’s Corporation Law. Between August 6 and August 31, 2026, the company bought back 4,493,000 commo...
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.