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San ju San Financial Group, Inc. (JP:7322)
:7322
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San ju San Financial Group, Inc.
(7322)
Select Model
Select Model
Rating:77Outperform
Price Target:
¥4,137.00
▲(13.03% Upside)
San ju San Financial Group's stock is rated highly due to its strong technical momentum and attractive valuation. The financial performance is solid, with robust revenue and profit growth, although there are some concerns about debt reliance. The lack of earnings call and corporate events data did not impact the score.
San ju San Financial Group, Inc. (7322) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥92.24B
Dividend Yield3.45%
Average Volume (3M)62.76K
Price to Earnings (P/E)10.4
Beta (1Y)0.98
Revenue Growth15.39%
EPS Growth24.95%
CountryJP
Employees2,431
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)107.17
Shares Outstanding26,167,585
10 Day Avg. Volume70,050
30 Day Avg. Volume62,756
Financial Highlights & Ratios
PEG Ratio0.28
Price to Book (P/B)0.30
Price to Sales (P/S)0.87
P/FCF Ratio1.55
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 ConsensusModerate Buy
Number of Analyst Covering0
San ju San Financial Group, Inc. Business Overview & Revenue Model
Company DescriptionSan ju San Financial Group, Inc. (7322) is a diversified financial services company that offers a wide array of products and services including investment management, wealth planning, insurance solutions, and financial advisory services. Operating primarily in the financial sector, the company caters to both individual and institutional clients, aiming to provide tailored financial strategies that meet the unique needs of their customers. San ju San Financial Group prides itself on its expertise in navigating complex financial landscapes and delivering value through innovative solutions and personalized service.
How the Company Makes MoneySan ju San Financial Group generates revenue through multiple key streams. Primarily, the company earns fees from asset management services, where it manages investment portfolios for clients and charges a percentage of the assets under management. Additionally, the company provides financial advisory services, earning commissions and advisory fees for guiding clients in their investment decisions and wealth management strategies. Insurance solutions also contribute to the company's revenue, as it sells various insurance products and earns premiums. Significant partnerships with financial institutions and technology platforms enhance its service offerings and expand its client base, further driving revenue growth.
San ju San Financial Group, Inc. Financial Statement Overview
Summary
San ju San Financial Group demonstrates strong revenue and profit growth, supported by improved cash flow generation. While the company maintains a stable balance sheet, the reliance on debt financing poses a potential risk. Overall, the financial statements reflect a robust financial position with opportunities for operational improvements and careful debt management.Income Statement
San ju San Financial Group has shown a solid revenue growth rate of 6.96% in the latest year, indicating a positive trajectory. The net profit margin improved to 15.40%, reflecting enhanced profitability. However, the EBIT margin decreased slightly, suggesting some operational challenges. Overall, the income statement reflects strong growth and profitability, but with room for operational efficiency improvements.75
Positive
Balance Sheet
The company's debt-to-equity ratio stands at 1.48, indicating a moderate level of leverage, which is typical for the banking industry. Return on equity improved to 4.20%, showing better utilization of equity. However, the equity ratio is relatively low, suggesting a higher reliance on debt financing. The balance sheet shows stability with some leverage concerns.65
Positive
Cash Flow
The free cash flow has shown significant growth, indicating improved cash generation capabilities. The operating cash flow to net income ratio is strong at 2.98, highlighting efficient cash conversion. However, past negative cash flows indicate potential volatility. Overall, the cash flow statement reflects strong cash generation with some historical fluctuations.70
Positive
| Breakdown | TTM | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 71.25B | 70.72B | 64.21B | 62.66B | 67.02B | 72.32B |
| Gross Profit | 71.25B | 69.55B | 66.68B | 64.72B | 66.47B | 66.32B |
| EBITDA | 7.95B | 16.14B | 14.86B | 13.63B | 9.04B | -6.21B |
| Net Income | 8.86B | 8.65B | 6.90B | 6.33B | 4.91B | 4.18B |
Balance Sheet | ||||||
| Total Assets | 4.56T | 4.51T | 4.43T | 4.29T | 4.64T | 4.31T |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 428.22B | 432.51B | 347.34B | 903.76B | 535.49B |
| Total Debt | 329.86B | 304.16B | 291.39B | 208.16B | 578.13B | 243.49B |
| Total Liabilities | 4.35T | 4.30T | 4.22T | 4.09T | 4.41T | 4.07T |
| Stockholders Equity | 213.51B | 205.97B | 213.11B | 194.66B | 229.30B | 238.11B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 39.80B | -8.18B | -384.83B | 371.65B | -6.04B |
| Operating Cash Flow | 0.00 | 42.27B | -4.75B | -382.47B | 373.67B | -2.66B |
| Investing Cash Flow | 0.00 | -11.67B | 23.39B | -143.94B | -5.05B | 52.87B |
| Financing Cash Flow | 0.00 | 43.26B | 57.24B | -32.29B | -2.25B | 226.41B |
San ju San Financial Group, Inc. Technical Analysis
Positive
3660.00
Price Trends
3491.77
Positive
3254.43
Positive
2756.64
Positive
Market Momentum
47.07
Negative
57.36
Neutral
85.36
Negative
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 3660 is above the 20-day moving average (MA) of 3543.87, above the 50-day MA of 3491.77, and above the 200-day MA of 2756.64, indicating a bullish trend. The MACD of 47.07 indicates Negative momentum. The RSI at 57.36 is Neutral, neither overbought nor oversold. The STOCH value of 85.36 is Negative, 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 (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
80 Outperform | ¥94.62B | 8.78 | ― | 3.18% | 25.33% | 5.53% | |
77 Outperform | ¥79.93B | 9.08 | ― | 3.20% | 8.97% | 36.69% | |
77 Outperform | ¥92.24B | 10.41 | ― | 3.45% | 15.39% | 24.95% | |
73 Outperform | ¥106.00B | 12.43 | ― | 3.05% | 8.18% | 25.89% | |
72 Outperform | ¥114.94B | 13.42 | ― | 1.97% | 25.01% | 51.67% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | ¥97.34B | 11.53 | ― | 0.60% | 6.57% | 13.25% |
* Financial Sector Average
JP:7322
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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.