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San ju San Financial Group, Inc. (7322) AI Stock Analysis
San ju San Financial Group, Inc.
(TSE/TYO:7322)
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.
San ju San Financial Group, Inc. (7322) vs. iShares MSCI Japan ETF (EWJ)
- Market Cap
- JPY 195.53B
- Dividend Yield
- 2.24%
- Average Volume (3M)
- 437.17K
- Price to Earnings (P/E)
- 16.3
- Beta (1Y)
- 1.27
- 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 PositiveBalance Sheet
74PositiveCash Flow
55Neutral| 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
Price Trends
Market Momentum
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 1879.00 is below the 20-day moving average (MA) of 1993.25, below the 50-day MA of 2055.12, and above the 200-day MA of 1702.84, indicating a neutral trend. The MACD of -70.68 indicates Positive momentum. The RSI at 42.31 is Neutral, neither overbought nor oversold. The STOCH value of 68.16 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
JP:718483Outperform- JP:732277Outperform
JP:839375Outperform
JP:834672Outperform
JP:836062Neutral
JP:839258Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| JP:7184 | 83Outperform | JPY 209.71B | 11.77 | ― | 2.88% | 13.91% | 76.61% |
| JP:7322 | 77Outperform | JPY 196.40B | 16.29 | ― | 2.24% | 23.09% | 35.52% |
| JP:8393 | 75Outperform | JPY 210.22B | 13.81 | ― | 2.03% | 8.31% | 47.11% |
| JP:8346 | 72Outperform | JPY 244.50B | 17.14 | ― | 2.37% | 30.35% | 66.60% |
| JP:8360 | 62Neutral | JPY 212.20B | 17.29 | ― | 7.37% | 30.03% | 47.48% |
| JP:8392 | 58Neutral | JPY 225.26B | 19.39 | 4.63% | 1.45% | 25.47% | 54.85% |
| Sector * | 55Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| JP:7322 | San ju San Financial Group, Inc. | 1879.00 | 986.73 | 110.59% | |
| JP:8392 | Oita Bank | 2888.00 | 1886.30 | 188.31% | |
| JP:7184 | First Bank of Toyama Ltd. | 3365.00 | 1954.27 | 138.53% | |
| JP:8346 | Toho Bank, Ltd. | 970.00 | 525.96 | 118.45% | |
| JP:8360 | Yamanashi Chuo Bank, Ltd. | 1301.00 | 659.74 | 102.88% | |
| JP:8393 | Miyazaki Bank Ltd. | 2465.00 | 1556.11 | 171.21% |
San ju San Financial Group, Inc. Corporate Events
San ju San Financial Group Lifts Earnings Outlook and Plans Higher Dividend
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
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...
San ju San Financial Group Marginally Strengthens Capital Adequacy Ratios
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 increased...
San ju San Financial Group Posts Mixed Q1 Results but Sticks to Strong Full-Year Forecast
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% to &...
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