Okinawa Financial Group, Inc. (7350) AI Stock Analysis

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Okinawa Financial Group, Inc.

(TSE/TYO:7350)

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Rating:70Outperform

Price Target:JPY 7,854.00▲(12.68% Upside)

Action:reiterated

Date:11/08/26

The overall score of 70 reflects a company with strong fundamentals and attractive valuation that is currently under significant market pressure. The robust financial performance, characterized by high growth and a pristine balance sheet, is the primary strength. However, the technical picture is decisively bearish, with the stock in a clear downtrend and showing weak momentum, which heavily offsets the positive fundamental and valuation factors.

Positive Factors

Revenue and earnings growthAccelerating revenue and steadily rising net income indicate stronger operating momentum across the group. If sustained, this growth can expand the earnings base, support reinvestment in financial services, and strengthen the company’s position in its regional banking market over coming quarters.

Negative Factors

Volatile cash generationLarge year-to-year cash-flow swings reduce confidence in the consistency of internally generated funds, even after the recent rebound. Unpredictable cash generation can complicate capital planning, constrain shareholder returns, and make growth funding less dependable across business cycles.

Okinawa Financial Group, Inc. (7350) vs. iShares MSCI Japan ETF (EWJ)

Market Cap: JPY 149.21B
Dividend Yield: 2.87%
Average Volume (3M): 99.38K
Price to Earnings (P/E): 12.1
Beta (1Y): 1.31
Revenue Growth: 20.97%
EPS Growth: 40.16%
Country: Japan
Employees: 1,513
Sector: General
Sector Strength: 55
Industry: Banks - Regional

Okinawa Financial Group, Inc. Business Overview & Revenue Model

Company Description

Okinawa Financial Group, Inc. functions as a diversified provider of financial services. Its extensive portfolio includes conventional banking, general leasing, credit card offerings, securities trading, guarantees, agency operations, and debt collec...

How the Company Makes Money

The company makes money primarily through earnings generated by its consolidated financial subsidiaries, especially its banking business. Key revenue streams typically include: (1) net interest income, earned from the spread between interest received...

Okinawa Financial Group, Inc. Financial Statement Overview

Summary

Strong financial health overall. Income statement reflects robust revenue (+21%) and net income (+42%) growth with expanding margins. Balance sheet is very strong with low leverage (D/E 0.59) and significant debt reduction. Cash flow has stabilized positively, though historical volatility tempers the score slightly.

Income Statement

85Very Positive

Balance Sheet

90Very Positive

Cash Flow

78Positive

Financial statement breakdown
Breakdown	TTM	Mar 2026	Mar 2025	Mar 2024	Mar 2023	Mar 2022
Income Statement
Total Revenue	71.30B	69.72B	55.98B	50.97B	49.31B	46.71B
Gross Profit	64.83B	63.18B	53.62B	49.77B	48.89B	46.42B
EBITDA	17.43B	18.44B	14.13B	11.12B	10.56B	10.09B
Net Income	12.34B	11.29B	7.94B	6.26B	5.83B	5.01B
Balance Sheet
Total Assets	3.11T	2.94T	2.98T	2.93T	2.88T	2.86T
Cash, Cash Equivalents and Short-Term Investments	370.74B	201.70B	349.39B	439.56B	510.74B	590.65B
Total Debt	87.97B	96.26B	99.84B	94.55B	161.03B	222.29B
Total Liabilities	2.94T	2.77T	2.83T	2.78T	2.72T	2.70T
Stockholders Equity	165.09B	162.30B	153.51B	156.92B	153.66B	159.39B
Cash Flow
Free Cash Flow	0	7.20B	10.18B	-44.16B	-52.34B	183.86B
Operating Cash Flow	0	8.53B	11.30B	-42.59B	-50.07B	188.08B
Investing Cash Flow	0	-104.31B	-106.59B	-25.08B	-28.55B	-48.79B
Financing Cash Flow	0	-54.02B	-1.93B	-5.26B	-2.76B	-4.10B

Okinawa Financial Group, Inc. Technical Analysis

Technical Analysis SentimentNeutral

Last Price6970.00

Price Trends

50DMA7454.96Negative

100DMA7235.78Negative

200DMA6420.57Positive

Market Momentum

MACD-174.72Negative

RSI46.88Neutral

STOCH76.28Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:7350, the sentiment is Neutral. The current price of 6970.00 is below the 20-day moving average (MA) of 6979.00, below the 50-day MA of 7454.96, and above the 200-day MA of 6420.57, indicating a neutral trend. The MACD of -174.72 indicates Negative momentum. The RSI at 46.88 is Neutral, neither overbought nor oversold. The STOCH value of 76.28 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for JP:7350.

Okinawa Financial Group, Inc. Peers Comparison

Overall Rating

UnderperformOutperform

Sector (55)

Financial Indicators

JP:7350 against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
JP:8346	79Outperform	JPY 236.93B	15.68	―	2.50%	63.98%	60.28%
JP:8399	78Outperform	JPY 114.53B	11.50	―	4.13%	18.94%	26.15%
JP:7350	70Outperform	JPY 152.39B	12.06	―	2.87%	20.97%	40.16%
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%
JP:8337	56Neutral	JPY 154.92B	18.77	―	0.39%	21.31%	18.00%
Sector *	55Neutral	$6.65B	3.83	-15.92%	6.20%	10.91%	7.18%

* General Sector Average

Performance Comparison

JP:7350 and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
JP:7350	Okinawa Financial Group, Inc.	6970.00	2807.88	67.46%
JP:8392	Oita Bank	2666.00	1630.85	157.55%
JP:8337	Chiba Kogyo Bank, Ltd.	2538.00	1031.50	68.47%
JP:8346	Toho Bank, Ltd.	920.00	456.48	98.48%
JP:8393	Miyazaki Bank Ltd.	2475.00	1460.33	143.92%
JP:8399	Bank Of The Ryukyus,Limited	2663.00	1143.47	75.25%

Okinawa Financial Group, Inc. Corporate Events

Okinawa Financial Group Flags Large Unrealized Bond Losses but Keeps 2027 Forecasts Intact

Oct 22, 2026

Okinawa Financial Group, Inc. reported unrealized losses of ¥11,321 million on held-to-maturity bonds at The Bank of Okinawa, Ltd. as of September 30, 2026, reflecting a market value of ¥31,485 million against a book value of ¥42,806 million. The los...

Okinawa Financial Group Delivers Strong Q1 Earnings and Raises Annual Dividend Outlook

Aug 14, 2026

Okinawa Financial Group, Inc. reported a strong start to the fiscal year, with ordinary income rising 16.5% year-on-year to ¥19.9 billion and profit attributable to owners of parent climbing 40.9% to ¥3.6 billion in the three months ended June 30, 20...

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: Nov 07, 2026

Okinawa Financial Group, Inc. AI Stock Analysis