Juroku Financial Group,Inc. (7380) AI Stock Analysis

Juroku Financial Group,Inc.

(TSE/TYO:7380)

Select Model

Rating:76.5Outperform

Price Target:JPY 2,591.00▲(12.51% Upside)

Action:reiterated

Date:08/17/26

Juroku Financial Group earns a score of 76.5, reflecting its strong financial performance and bullish technical indicators. The company has delivered robust revenue and earnings growth, improved margins, and a solid balance sheet. Positive price momentum and favorable technicals further support the score. These strengths are tempered by a valuation that is somewhat elevated relative to industry norms and by some volatility in cash flow generation. Investors should monitor cash flow conversion and leverage levels.

Positive Factors

Profitability and GrowthSustained mid-teen net margins indicate a profitable core banking franchise, while the latest rebound in revenue and net income shows renewed earnings momentum. This combination can support internal investment, capital formation, and resilience across the next several quarters.

Negative Factors

Volatile LeverageRepeated swings in leverage make the capital structure less predictable than the latest snapshot alone suggests. Greater variability can constrain management flexibility, increase sensitivity to funding and credit conditions, and make future balance-sheet strength more dependent on disciplined capital management.

Juroku Financial Group,Inc. (7380) vs. iShares MSCI Japan ETF (EWJ)

Market Cap: JPY 407.87B
Dividend Yield: 2.52%
Average Volume (3M): 604.56K
Price to Earnings (P/E): 14.2
Beta (1Y): 1.39
Revenue Growth: 16.26%
EPS Growth: 41.29%
Country: Japan
Employees: 2,322
Sector: General
Sector Strength: 55
Industry: Banks - Regional

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 currenc...

How the Company Makes Money

The company makes money primarily through the earnings generated by its consolidated financial subsidiaries, led by its banking operations. Key revenue streams typically include (1) net interest income: interest earned on loans and other interest-bea...

Juroku Financial Group,Inc. Financial Statement Overview

Summary

Juroku Financial Group shows strong revenue and profit growth, with revenue CAGR ~9% and net income CAGR ~13% over six years. Profit margins have expanded, and the balance sheet is solid with manageable leverage. However, cash flow has been volatile, with lower conversion to free cash flow in recent years. Overall financial health is sound but with some cash flow concerns.

Income Statement

85Very Positive

Balance Sheet

75Positive

Cash Flow

60Neutral

Financial statement breakdown
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	44.14B	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	3.26B	0	0	-1.37T	0
Operating Cash Flow	0	20.38B	0	0	-1.37T	0
Investing Cash Flow	0	152.21B	107.83B	70.66B	-8.18B	82.70B
Financing Cash Flow	0	-148.13B	97.55B	115.21B	-5.92B	131.60B

Juroku Financial Group,Inc. Technical Analysis

Technical Analysis SentimentNegative

Last Price2303.00

Price Trends

50DMA2588.21Negative

100DMA2472.15Negative

200DMA2168.51Positive

Market Momentum

MACD-84.20Positive

RSI37.43Neutral

STOCH66.93Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:7380, the sentiment is Negative. The current price of 2303.00 is below the 20-day moving average (MA) of 2528.92, below the 50-day MA of 2588.21, and above the 200-day MA of 2168.51, indicating a neutral trend. The MACD of -84.20 indicates Positive momentum. The RSI at 37.43 is Neutral, neither overbought nor oversold. The STOCH value of 66.93 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for JP:7380.

Juroku Financial Group,Inc. Peers Comparison

Overall Rating

UnderperformOutperform

Sector (55)

Financial Indicators

JP:7380 against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
JP:8368	84Outperform	JPY 542.16B	16.05	6.15%	2.04%	29.10%	91.90%
JP:7380	77Outperform	JPY 429.22B	14.21	―	2.52%	16.26%	41.29%
JP:8366	71Outperform	JPY 570.95B	22.99	―	1.64%	23.01%	25.19%
JP:7173	68Neutral	JPY 426.30B	8.41	―	1.82%	14.90%	8.34%
JP:7381	62Neutral	JPY 255.50B	13.14	―	2.51%	49.48%	75.57%
JP:7389	58Neutral	JPY 423.13B	12.37	―	1.94%	31.25%	313.52%
Sector *	55Neutral	$6.65B	3.83	-15.92%	6.20%	10.91%	7.18%

* General Sector Average

Performance Comparison

JP:7380 and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
JP:7380	Juroku Financial Group,Inc.	2303.00	1195.66	107.98%
JP:8368	Hyakugo Bank	2059.50	1124.79	120.34%
JP:7173	Tokyo Kiraboshi Financial Group, Inc.	1408.00	480.51	51.81%
JP:7381	Hokkoku Financial Holdings,Inc.	1075.00	418.21	63.67%
JP:7389	Aichi Financial Group, Inc.	1649.00	860.25	109.06%
JP:8366	Shiga Bank, Ltd.	2443.50	1213.38	98.64%

Juroku Financial Group,Inc. Corporate Events

Juroku Financial Group Raises Interim Dividend with 5th-Anniversary Payout

Sep 18, 2026

Juroku Financial Group has revised its interim dividend forecast for the fiscal year ending March 31, 2027, to mark the fifth anniversary of the group’s establishment. The company plans to raise the second-quarter dividend to ¥30 per share...

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 owner...

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

Juroku Financial Group,Inc. AI Stock Analysis