San ju San Financial Group, Inc. (7322) AI Stock Analysis

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San ju San Financial Group, Inc.

(TSE/TYO:7322)

Select Model

Rating:77Outperform

Price Target:JPY 1,843.00▲(0.60% Upside)

Action:reiterated

Date:08/17/26

San ju San Financial Group earns a solid overall score primarily driven by robust technical momentum and strong income statement growth, including notable margin expansion. The stock is currently exhibiting a strong bullish trend across all key moving averages. However, historical cash flow unpredictability and a moderate valuation profile prevent a higher overall rating.

Positive Factors

Improving profitability and revenueSharp 2026 revenue growth, higher net income, and improved margins indicate stronger operating performance and customer economics. If sustained, this creates more internal capacity to absorb costs, reinforce the regional franchise, and support earnings over the next several quarters.

Negative Factors

Modest return on equityDespite improvement, ROE of roughly 5.3% indicates that the group is still generating only modest profitability from its capital base. This can limit retained-earnings growth and suggests that stronger income performance has not yet translated into highly efficient use of shareholder capital.

San ju San Financial Group, Inc. (7322) vs. iShares MSCI Japan ETF (EWJ)

Market Cap: JPY 188.87B
Dividend Yield: 2.29%
Average Volume (3M): 426.82K
Price to Earnings (P/E): 15.9
Beta (1Y): 1.30
Revenue Growth: 23.09%
EPS Growth: 35.52%
Country: Japan
Employees: 2,325
Sector: General
Sector Strength: 55
Industry: Banks - Regional

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 investment...

How the Company Makes Money

The company makes money primarily through earnings generated by its financial subsidiaries. Key revenue streams typically include (1) net interest income from the spread between interest earned on loans and securities and interest paid on deposits an...

San ju San Financial Group, Inc. Financial Statement Overview

Summary

Strong fundamental profile driven by stellar revenue growth and multi-year margin expansion, supported by a stable balance sheet and improving return on equity. However, historical volatility in cash flow generation tempers the score despite recent positive returns.

Income Statement

88Very Positive

Balance Sheet

74Positive

Cash Flow

55Neutral

Financial statement breakdown
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	16.82B	0	0	-384.83B	371.65B
Operating Cash Flow	0	18.55B	0	0	-382.47B	373.67B
Investing Cash Flow	0	-129.77B	-11.67B	23.39B	-143.94B	-5.05B
Financing Cash Flow	0	37.19B	43.26B	57.24B	-32.29B	-2.25B

San ju San Financial Group, Inc. Technical Analysis

Technical Analysis SentimentNeutral

Last Price1832.00

Price Trends

50DMA2016.21Negative

100DMA1934.73Negative

200DMA1727.24Positive

Market Momentum

MACD-69.67Negative

RSI46.40Neutral

STOCH72.58Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:7322, the sentiment is Neutral. The current price of 1832.00 is above the 20-day moving average (MA) of 1831.95, below the 50-day MA of 2016.21, and above the 200-day MA of 1727.24, indicating a neutral trend. The MACD of -69.67 indicates Negative momentum. The RSI at 46.40 is Neutral, neither overbought nor oversold. The STOCH value of 72.58 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for JP:7322.

San ju San Financial Group, Inc. Peers Comparison

Overall Rating

UnderperformOutperform

Sector (55)

Financial Indicators

JP:7322 against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
JP:7184	83Outperform	JPY 199.42B	11.52	―	3.13%	15.97%	68.21%
JP:8346	79Outperform	JPY 236.93B	15.68	―	2.50%	63.98%	60.28%
JP:7322	77Outperform	JPY 194.31B	15.88	―	2.29%	23.09%	35.52%
JP:8360	74Outperform	JPY 209.76B	16.84	―	7.57%	30.03%	47.48%
JP:8393	68Neutral	JPY 216.70B	13.38	―	2.30%	9.60%	33.99%
JP:8392	66Neutral	JPY 215.04B	15.20	5.27%	1.58%	24.51%	62.67%
Sector *	55Neutral	$6.65B	3.83	-15.92%	6.20%	10.91%	7.18%

* General Sector Average

Performance Comparison

JP:7322 and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
JP:7322	San ju San Financial Group, Inc.	1832.00	898.18	96.18%
JP:8392	Oita Bank	2666.00	1609.20	152.27%
JP:7184	First Bank of Toyama Ltd.	3095.00	1572.92	103.34%
JP:8346	Toho Bank, Ltd.	920.00	457.46	98.90%
JP:8360	Yamanashi Chuo Bank, Ltd.	1267.00	590.61	87.32%
JP:8393	Miyazaki Bank Ltd.	2475.00	1456.42	142.98%

San ju San Financial Group, Inc. Corporate Events

San ju San Financial Group Lifts Earnings Outlook and Plans Higher Dividend

Sep 25, 2026

San ju San Financial Group, Inc. has raised its consolidated earnings forecasts for the six months ending September 30, 2026 and the full fiscal year to March 31, 2027, citing stronger-than-expected net interest income at subsidiary San ju San Bank,...

Aichi and San ju San Financial Groups Cancel Planned Business Integration

Sep 10, 2026

Aichi Financial Group, Inc. and San ju San Financial Group, Inc. have jointly decided to dissolve their basic agreement for a planned business integration through merger, originally targeted for completion by April 1, 2027. After extensive talks via...

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.

Date of analysis: Aug 17, 2026

San ju San Financial Group, Inc. AI Stock Analysis