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San ju San Financial Group, Inc.
(7322)
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Rating:68Neutral
Price Target:
¥2,264.00
▼(-51.36% Downside)
Action:Downgraded
Date:08/17/26
The score is driven mainly by strong technical momentum (price above key moving averages with positive MACD), supported by improving profitability into 2026. These positives are tempered by less consistent cash-flow quality and only modest balance-sheet returns, while valuation is reasonable but not compelling due to a relatively low dividend yield.
Positive Factors
Improving Profitability
Income statement improvements into 2026 show rising revenue, net margin and operating profitability. Durable margin recovery supports sustainable internal cash generation, reinvestment capacity and resilience across economic cycles, improving the firm's ability to fund growth and pay obligations over months.
Negative Factors
Volatile Cash Flow
Historic swings in operating and free cash flow, including a very large negative year, reduce confidence that accounting profits will reliably convert to cash. This impairs dividend sustainability, debt servicing flexibility and capital allocation, creating structural execution risk over months.
Read all positive and negative factors
Positive Factors
Negative Factors
Improving Profitability
Income statement improvements into 2026 show rising revenue, net margin and operating profitability. Durable margin recovery supports sustainable internal cash generation, reinvestment capacity and resilience across economic cycles, improving the firm's ability to fund growth and pay obligations over months.
Read all positive factors
San ju San Financial Group, Inc. (7322) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥210.72B
Dividend Yield1.76%
Average Volume (3M)62.76K
Price to Earnings (P/E)17.9
Beta (1Y)1.12
Revenue Growth23.09%
EPS Growth35.52%
CountryJP
Employees2,325
SectorGeneral
Sector StrengthN/A
IndustryBanks - Regional
Share Statistics
EPS (TTM)115.36
Shares Outstanding104,670,340
10 Day Avg. Volume70,050
30 Day Avg. Volume62,756
Financial Highlights & Ratios
PEG Ratio0.28
Price to Book (P/B)0.65
Price to Sales (P/S)1.95
P/FCF Ratio8.91
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
San ju San Financial Group, Inc. Business Overview & Revenue Model
Company Description
San ju San Financial Group, Inc. delivers a broad spectrum of financial and banking solutions. The company's operations are structured across two primary divisions: Banking and Leasing. The Banking segment manages deposit accounts, offers investme...
How the Company Makes Money
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San ju San Financial Group, Inc. Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
60
Neutral
Cash Flow
44
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 79.74B | 76.78B | 60.79B | 54.16B | 51.54B | 51.97B |
| Gross Profit | 66.64B | 65.28B | 56.03B | 52.39B | 50.05B | 48.70B |
| EBITDA | 16.08B | 20.88B | 16.14B | 14.86B | 13.63B | 9.04B |
| Net Income | 12.00B | 12.35B | 8.65B | 6.91B | 6.33B | 4.91B |
Balance Sheet | ||||||
| Total Assets | 4.64T | 4.58T | 4.51T | 4.43T | 4.29T | 4.64T |
| Cash, Cash Equivalents and Short-Term Investments | 350.32B | 354.16B | 428.22B | 432.51B | 347.34B | 903.76B |
| Total Debt | 283.60B | 282.55B | 304.16B | 291.39B | 208.16B | 1.09T |
| Total Liabilities | 4.41T | 4.35T | 4.30T | 4.22T | 4.09T | 4.41T |
| Stockholders Equity | 232.59B | 231.13B | 205.97B | 213.11B | 194.66B | 229.30B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 16.82B | 0.00 | 0.00 | -384.83B | 371.65B |
| Operating Cash Flow | 0.00 | 18.55B | 0.00 | 0.00 | -382.47B | 373.67B |
| Investing Cash Flow | 0.00 | -129.77B | -11.67B | 23.39B | -143.94B | -5.05B |
| Financing Cash Flow | 0.00 | 37.19B | 43.26B | 57.24B | -32.29B | -2.25B |
San ju San Financial Group, Inc. Technical Analysis
Positive
4655.00
Price Trends
1863.98
Positive
1754.49
Positive
1485.21
Positive
Market Momentum
48.24
Negative
58.52
Neutral
47.38
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:7322, the sentiment is Positive. The current price of 4655 is above the 20-day moving average (MA) of 1950.90, above the 50-day MA of 1863.98, and above the 200-day MA of 1485.21, indicating a bullish trend. The MACD of 48.24 indicates Negative momentum. The RSI at 58.52 is Neutral, neither overbought nor oversold. The STOCH value of 47.38 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:7322.
San ju San Financial Group, Inc. Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
75 Outperform | ¥202.54B | 11.93 | ― | 2.63% | 13.91% | 76.61% | |
69 Neutral | ¥215.82B | 19.25 | 4.59% | 1.22% | 25.47% | 54.85% | |
68 Neutral | ¥210.72B | 17.88 | ― | 2.96% | 23.09% | 35.52% | |
68 Neutral | ¥237.69B | 17.34 | ― | 2.23% | 30.35% | 66.60% | |
68 Neutral | ¥205.96B | 13.88 | ― | 2.29% | 8.31% | 47.11% | |
66 Neutral | ¥227.35B | 19.41 | ― | 2.56% | 30.03% | 47.48% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
JP:7322
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San ju San Financial Group, Inc. Corporate Events
San ju San Financial Group Marginally Strengthens Capital Adequacy Ratios
Aug 5, 2026
San ju San Financial Group, Inc. reported a slight improvement in its consolidated capital adequacy ratio under Japan’s domestic standard, rising to 8.49% as of June 30, 2026, from 8.41% at the end of March. The group’s capital increas...
San ju San Financial Group Posts Mixed Q1 Results but Sticks to Strong Full-Year Forecast
Jul 31, 2026
San ju San Financial Group reported a sharp 31.2% rise in ordinary income to ¥28.49 billion for the quarter ended June 30, 2026, but ordinary profit fell 10.2% to ¥3.38 billion and profit attributable to owners of parent declined 12.4% t...
San ju San Financial Group Flags Credit Risk After ZENTOSHIN Bankruptcy
Jul 7, 2026
San ju San Financial Group has disclosed a potential risk of uncollectibility or delayed collection on receivables owed by ZENTOSHIN Co., Ltd., a credit card payment processing company that has entered bankruptcy proceedings in the Osaka District ...
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.