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Juroku Financial Group,Inc.
(7380)
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Rating:65Neutral
Price Target:
¥2,776.00
▼(-62.59% Downside)
Action:Downgraded
Date:08/17/26
The score is driven primarily by mixed financial quality: solid profitability and a strong recent growth rebound are offset by weak and volatile cash-flow conversion and historically inconsistent leverage. Technicals are supportive with a clear uptrend and positive momentum indicators, while valuation is moderate with a modest dividend yield.
Positive Factors
Consistent Profitability
Stable mid-teens net margins indicate an established regional banking franchise with recurring earnings capacity. Sustained profitability provides a foundation for absorbing credit, funding, or market volatility while continuing to serve customers and invest in operations.
Negative Factors
Weak Cash Conversion
Low conversion of accounting earnings into free cash flow limits confidence in the durability and flexibility of internally generated funds. It may constrain reinvestment, distributions, or balance-sheet strengthening if operating cash generation remains inconsistent.
Read all positive and negative factors
Positive Factors
Negative Factors
Consistent Profitability
Stable mid-teens net margins indicate an established regional banking franchise with recurring earnings capacity. Sustained profitability provides a foundation for absorbing credit, funding, or market volatility while continuing to serve customers and invest in operations.
Read all positive factors
Juroku Financial Group,Inc. (7380) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥445.43B
Dividend Yield1.87%
Average Volume (3M)83.90K
Price to Earnings (P/E)15.9
Beta (1Y)1.26
Revenue Growth16.26%
EPS Growth41.29%
CountryJP
Employees2,322
SectorGeneral
Sector StrengthN/A
IndustryBanks - Regional
Share Statistics
EPS (TTM)162.05
Shares Outstanding189,620,670
10 Day Avg. Volume87,370
30 Day Avg. Volume83,900
Financial Highlights & Ratios
PEG Ratio0.35
Price to Book (P/B)0.68
Price to Sales (P/S)1.96
P/FCF Ratio97.47
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 ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Juroku Financial Group,Inc. Business Overview & Revenue Model
Company Description
Juroku Financial Group, Inc. operates as a comprehensive banking institution in Japan, delivering a diverse range of financial solutions. Its fundamental offerings include various deposit accounts, such as checking, savings, time, and foreign curr...
How the Company Makes Money
Juroku Financial Group, Inc. makes money primarily through the earnings generated by its consolidated subsidiaries (i.e., the operating financial institutions within the group). Key revenue streams are generally driven by (1) net interest income—i...
Juroku Financial Group,Inc. Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
62
Positive
Cash Flow
41
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 161.63B | 162.03B | 131.89B | 128.00B | 111.80B | 116.28B |
| Gross Profit | 143.10B | 143.14B | 120.72B | 120.69B | 107.55B | 108.46B |
| EBITDA | 42.24B | 43.17B | 34.53B | 31.53B | 30.49B | 30.46B |
| Net Income | 28.86B | 27.38B | 20.84B | 19.32B | 18.63B | 17.19B |
Balance Sheet | ||||||
| Total Assets | 7.75T | 7.53T | 7.60T | 7.54T | 7.19T | 8.38T |
| Cash, Cash Equivalents and Short-Term Investments | 1.20T | 1.11T | 1.08T | 973.95B | 752.03B | 2.14T |
| Total Debt | 521.13B | 553.97B | 706.64B | 687.58B | 651.20B | 1.63T |
| Total Liabilities | 7.22T | 7.05T | 7.17T | 7.08T | 6.80T | 7.97T |
| Stockholders Equity | 517.09B | 468.46B | 419.13B | 446.67B | 388.72B | 398.90B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 3.26B | 0.00 | 0.00 | -1.37T | 0.00 |
| Operating Cash Flow | 0.00 | 20.38B | 0.00 | 0.00 | -1.37T | 0.00 |
| Investing Cash Flow | 0.00 | 152.21B | 107.83B | 70.66B | -8.18B | 82.70B |
| Financing Cash Flow | 0.00 | -148.13B | 97.55B | 115.21B | -5.92B | 131.60B |
Juroku Financial Group,Inc. Technical Analysis
Positive
7420.00
Price Trends
2416.14
Positive
2237.20
Positive
1879.80
Positive
Market Momentum
31.99
Positive
53.70
Neutral
34.58
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:7380, the sentiment is Positive. The current price of 7420 is above the 20-day moving average (MA) of 2460.45, above the 50-day MA of 2416.14, and above the 200-day MA of 1879.80, indicating a bullish trend. The MACD of 31.99 indicates Positive momentum. The RSI at 53.70 is Neutral, neither overbought nor oversold. The STOCH value of 34.58 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:7380.
Juroku Financial Group,Inc. Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | ¥486.67B | 9.46 | ― | 1.95% | 18.11% | 43.52% | |
70 Outperform | ¥572.59B | 18.53 | 5.51% | 1.63% | 29.10% | 91.90% | |
66 Neutral | ¥443.51B | 13.94 | ― | 2.14% | 31.25% | 313.52% | |
65 Neutral | ¥445.43B | 15.92 | ― | 2.94% | 16.26% | 41.29% | |
62 Neutral | ¥273.82B | 19.39 | ― | 2.00% | 34.41% | 28.29% | |
62 Neutral | ¥620.27B | 26.10 | ― | 1.50% | 23.01% | 25.19% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
JP:7380
Juroku Financial Group,Inc.
2,572.00
1,495.27
138.87%
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117.10%
Juroku Financial Group,Inc. Corporate Events
Juroku Financial Group Delivers Strong Q1 Earnings and Confirms Profit Outlook
Aug 4, 2026
Juroku Financial Group reported consolidated results for the three months ended June 30, 2026, showing ordinary income of ¥39.3 billion, up 9.3% year on year, and ordinary profit of ¥11.2 billion, up 26.4%, with profit attributable to ow...
Juroku Financial Group Lifts Earnings Outlook and Ups Dividend on Strong Interest Income
Jul 22, 2026
Juroku Financial Group, Inc. has raised its consolidated earnings forecasts for the fiscal year ending March 31, 2027, citing stronger-than-expected net interest income mainly at its core subsidiary, The Juroku Bank, Ltd. Ordinary profit is now pr...
Juroku Financial Group Raises Profit Targets Under Long-Term Vision
Jul 22, 2026
Juroku Financial Group has revised upward the performance targets in its Second Medium-Term Management Plan for the fiscal year ending March 2028, raising its consolidated net income goal from ¥28.0 billion to ¥35.0 billion and its targe...
Juroku Financial Group Completes Restricted Stock Remuneration Share Disposal
Jul 17, 2026
Juroku Financial Group, Inc. has completed payment procedures for the disposal of 30,028 treasury shares as restricted stock-type remuneration to group directors and executive officers. The shares, priced at 2,222 yen each for a total value of 66,...
Juroku Financial Group to Grant Restricted Treasury Shares to Executives
Jun 19, 2026
Juroku Financial Group has approved the disposal of 30,028 treasury shares as restricted stock-type remuneration to directors and executive officers of the group and its core subsidiary, The Juroku Bank. The shares, priced at 2,222 yen each for a ...
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.