Hirogin Holdings, Inc. (7337) AI Stock Analysis

0 Followers

Hirogin Holdings, Inc.

(TSE/TYO:7337)

Select Model

Rating:74Outperform

Price Target:JPY 2,257.00▲(2.01% Upside)

Action:reiterated

Date:08/17/26

Hirogin Holdings scores 74, reflecting strong financial performance with robust revenue growth and deleveraging, coupled with bullish technical momentum. Valuation is reasonable, though not cheap. The main risks include declining gross margins and cash flow volatility. Overall, the company presents a solid investment opportunity with upward potential.

Positive Factors

Revenue GrowthThe sharp 2026 revenue acceleration indicates improving business momentum after a period of limited growth. If sustained, stronger revenue can expand the earnings base, support investment across regional banking services, and improve operating leverage over the next several quarters.

Negative Factors

Elevated LeverageLeverage of roughly three to five times equity leaves the group with less financial room for error than a lightly leveraged institution. If asset quality or funding costs deteriorate, elevated obligations could pressure profitability, capital flexibility, and the ability to absorb adverse conditions.

Hirogin Holdings, Inc. (7337) vs. iShares MSCI Japan ETF (EWJ)

Market Cap: JPY 655.23B
Dividend Yield: 3.14%
Average Volume (3M): 713.54K
Price to Earnings (P/E): 12.6
Beta (1Y): 1.26
Revenue Growth: 28.04%
EPS Growth: 39.40%
Country: Japan
Employees: 3,708
Sector: General
Sector Strength: 55
Industry: Banks - Regional

Hirogin Holdings, Inc. Business Overview & Revenue Model

Company Description

Hirogin Holdings, Inc. acts as the overarching bank holding company for The Hiroshima Bank, Ltd. This group delivers an extensive portfolio of financial services across Hiroshima, Okayama, Yamaguchi, and Ehime prefectures. Among its diverse offerings...

How the Company Makes Money

Hirogin Holdings, Inc. makes money primarily through its banking and financial services operations within its group. Key revenue streams typically include: (1) net interest income, earned from the spread between interest received on loans and securit...

Hirogin Holdings, Inc. Financial Statement Overview

Summary

Revenue growth accelerated to 21.5% in FY2026, EBIT margin 26.1%, net margin 18.6%. Net income tripled since FY2023. Debt-to-equity improved to 3.12 and equity grew. However, gross margin declined from 95% to 79.3% over the period, and cash flow volatility persists. Overall solid financial health with positive trajectory.

Income Statement

78Positive

Balance Sheet

72Positive

Cash Flow

65Positive

Financial statement breakdown
Breakdown	TTM	Mar 2026	Mar 2025	Mar 2024	Mar 2023	Mar 2022
Income Statement
Total Revenue	290.77B	235.49B	193.82B	192.69B	151.98B	154.58B
Gross Profit	230.47B	186.65B	155.65B	143.41B	130.66B	139.36B
EBITDA	74.07B	68.50B	58.16B	46.65B	24.51B	39.11B
Net Income	52.22B	43.73B	35.84B	27.69B	12.51B	22.91B
Balance Sheet
Total Assets	12.17T	12.21T	12.13T	12.79T	11.50T	11.60T
Cash, Cash Equivalents and Short-Term Investments	1.19T	1.18T	1.73T	2.84T	2.19T	2.58T
Total Debt	1.58T	1.77T	2.00T	2.70T	2.05T	2.92T
Total Liabilities	11.57T	11.64T	11.63T	12.26T	11.00T	11.11T
Stockholders Equity	598.30B	568.72B	504.54B	535.11B	498.47B	496.06B
Cash Flow
Free Cash Flow	0	87.29B	-18.47B	661.83B	-478.07B	208.88B
Operating Cash Flow	0	89.81B	-14.42B	673.40B	-468.74B	216.89B
Investing Cash Flow	0	-598.16B	-202.52B	-119.39B	65.83B	-198.33B
Financing Cash Flow	0	-59.63B	57.39B	94.02B	-8.10B	-22.64B

Hirogin Holdings, Inc. Technical Analysis

Technical Analysis SentimentPositive

Last Price2212.50

Price Trends

50DMA2281.87Negative

100DMA2239.43Negative

200DMA2044.98Positive

Market Momentum

MACD-29.76Negative

RSI50.85Neutral

STOCH92.53Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:7337, the sentiment is Positive. The current price of 2212.50 is above the 20-day moving average (MA) of 2164.30, below the 50-day MA of 2281.87, and above the 200-day MA of 2044.98, indicating a neutral trend. The MACD of -29.76 indicates Negative momentum. The RSI at 50.85 is Neutral, neither overbought nor oversold. The STOCH value of 92.53 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:7337.

Hirogin Holdings, Inc. Peers Comparison

Overall Rating

UnderperformOutperform

Sector (55)

Financial Indicators

JP:7337 against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
JP:8377	79Outperform	JPY 906.87B	12.88	―	9.83%	27.18%	43.35%
JP:7327	75Outperform	JPY 627.82B	11.98	―	3.42%	16.69%	33.06%
JP:7337	74Outperform	JPY 673.01B	12.63	―	3.14%	28.04%	39.40%
JP:7180	72Outperform	JPY 649.81B	16.06	5.05%	2.36%	20.93%	9.02%
JP:5832	64Neutral	JPY 655.75B	12.19	―	2.91%	34.32%	73.38%
JP:8418	62Neutral	JPY 605.68B	17.13	5.36%	2.58%	22.50%	-7.50%
Sector *	55Neutral	$6.65B	3.83	-15.92%	6.20%	10.91%	7.18%

* General Sector Average

Performance Comparison

JP:7337 and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
JP:7337	Hirogin Holdings, Inc.	2212.50	780.25	54.48%
JP:7180	Kyushu Financial Group	1480.50	610.53	70.18%
JP:8418	Yamaguchi Financial Group	3098.00	1369.26	79.21%
JP:5832	Chugin Financial Group,Inc.	3573.00	1430.72	66.78%
JP:7327	Daishi Hokuetsu Financial Group, Inc.	2282.00	826.45	56.78%
JP:8377	Hokuhoku Financial Group, Inc.	758.10	344.90	83.47%

Hirogin Holdings, Inc. Corporate Events

Hirogin Holdings Revises FY2027 Profit Forecasts, Raises Dividend Forecast

Nov 10, 2026

Hirogin Holdings, a comprehensive regional services group with Hiroshima Bank as a subsidiary, revised its consolidated forecast for the fiscal year ending March 31, 2027. The company raised its ordinary profit forecast to ¥82.5 billion from ¥74.5 bi...

Hirogin Holdings Reports Consolidated Six-Month Results

Nov 10, 2026

Hirogin Holdings reported consolidated ordinary income of ¥158,822 million for the six months ended September 30, 2026, up 43.8% year over year. Ordinary profit rose 42.9% to ¥41,847 million, while profit attributable to owners of the parent increase...

Hirogin Holdings Strengthens Capital Adequacy in First Quarter FY2026

Aug 25, 2026

Hirogin Holdings reported a consolidated domestic-standard capital adequacy ratio of 11.08 percent for the first quarter of fiscal 2026, up from 10.86 percent at the end of March. The improvement reflects an increase in basic core capital and a sligh...

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

Hirogin Holdings, Inc. AI Stock Analysis