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

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Juroku Financial Group,Inc.

(TSE/TYO:7380)

Select Model

Rating:65Neutral

Price Target:JPY 2,444.00▲(7.50% Upside)

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 ProfitabilitySustained mid-teens profitability indicates that Juroku has maintained a productive banking franchise across the measured period. The latest increase in net income adds evidence of earnings resilience and supports continued investment in customer services and operating capabilities.

Negative Factors

Volatile Leverage ProfileAlthough current leverage appears manageable, the historical swings indicate that capitalization has not been consistently stable. Persistent variability can reduce financial flexibility, complicate long-term capital planning, and make the group more exposed when credit or market conditions deteriorate.

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

Market Cap: JPY 409.82B
Dividend Yield: 2.55%
Average Volume (3M): 605.73K
Price to Earnings (P/E): 12.5
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

Income statement strength (78) shows solid, fairly consistent profitability and a strong latest-year growth rebound, but this is tempered by a weaker balance sheet profile (62) with historically volatile leverage and a very weak/erratic cash-flow profile (41) with low cash conversion versus earnings.

Income Statement

78Positive

Balance Sheet

62Positive

Cash Flow

41Neutral

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 Price2273.50

Price Trends

50DMA2584.82Negative

100DMA2474.70Negative

200DMA2172.77Positive

Market Momentum

MACD-86.75Positive

RSI37.93Neutral

STOCH57.51Neutral

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 2273.50 is below the 20-day moving average (MA) of 2502.30, below the 50-day MA of 2584.82, and above the 200-day MA of 2172.77, indicating a neutral trend. The MACD of -86.75 indicates Positive momentum. The RSI at 37.93 is Neutral, neither overbought nor oversold. The STOCH value of 57.51 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:7173	78Outperform	JPY 408.68B	7.52	―	1.83%	14.90%	8.34%
JP:8368	70Outperform	JPY 519.97B	14.44	6.15%	2.06%	29.10%	91.90%
JP:7381	67Neutral	JPY 246.00B	12.17	―	2.47%	49.48%	75.57%
JP:7380	65Neutral	JPY 409.03B	12.55	―	2.55%	16.26%	41.29%
JP:8366	61Neutral	JPY 554.06B	20.00	―	1.70%	23.01%	25.19%
JP:7389	58Neutral	JPY 409.37B	11.33	―	1.91%	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.	2273.50	1152.52	102.81%
JP:8368	Hyakugo Bank	2040.00	1109.20	119.17%
JP:7173	Tokyo Kiraboshi Financial Group, Inc.	1397.50	477.39	51.88%
JP:7381	Hokkoku Financial Holdings,Inc.	1094.00	462.62	73.27%
JP:7389	Aichi Financial Group, Inc.	1678.00	870.61	107.83%
JP:8366	Shiga Bank, Ltd.	2353.00	1101.22	87.97%

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...

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