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Aichi Financial Group, Inc.
(7389)
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Rating:69Neutral
Price Target:
¥1,847.00
▼(-59.85% Downside)
Action:Downgraded
Date:05/17/26
The score is primarily driven by improving financial results into FY2026, offset by historical earnings and cash-flow volatility that reduces confidence in consistency. Technicals are constructive with an overall uptrend and balanced momentum, and valuation is supportive due to the low P/E, though the dividend yield is only modest.
Positive Factors
Revenue & Margin Improvement
Sustained revenue acceleration and materially higher operating and net margins indicate the core banking franchise improved earnings power. Higher margins broaden operational buffers, support internal reinvestment and shareholder returns, and make earnings less reliant on volume alone over the medium term.
Negative Factors
Earnings Volatility
Historic one-offs and extreme FY2023 margins indicate earnings are not fully driven by steady core operations. Persistent volatility reduces forecasting reliability, complicates capital planning and investor confidence, and raises the risk that future earnings may revert materially in adverse conditions.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue & Margin Improvement
Sustained revenue acceleration and materially higher operating and net margins indicate the core banking franchise improved earnings power. Higher margins broaden operational buffers, support internal reinvestment and shareholder returns, and make earnings less reliant on volume alone over the medium term.
Read all positive factors
Aichi Financial Group, Inc. (7389) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥414.29B
Dividend Yield2.14%
Average Volume (3M)152.68K
Price to Earnings (P/E)18.9
Beta (1Y)1.04
Revenue Growth19.10%
EPS Growth141.01%
CountryJP
Employees2,562
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)32.24
Shares Outstanding245,623,350
10 Day Avg. Volume230,320
30 Day Avg. Volume152,680
Financial Highlights & Ratios
PEG Ratio0.11
Price to Book (P/B)0.78
Price to Sales (P/S)2.91
P/FCF Ratio8.89
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
Aichi Financial Group, Inc. Business Overview & Revenue Model
Company Description
Aichi Financial Group, Inc., encompassing its various subsidiaries, offers a wide array of banking and financial solutions across Japan. Their services include managing deposit accounts, providing diverse lending facilities, handling both domestic...
How the Company Makes Money
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Aichi Financial Group, Inc. Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
64
Positive
Cash Flow
52
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 90.46B | 115.08B | 95.37B | 83.26B | 68.75B |
| Gross Profit | 90.46B | 93.90B | 87.39B | 79.78B | 66.76B |
| EBITDA | 995.00M | 33.35B | 14.34B | 15.13B | 84.64B |
| Net Income | 7.90B | 21.81B | 9.10B | 8.29B | 81.81B |
Balance Sheet | |||||
| Total Assets | 6.87T | 7.17T | 6.80T | 6.83T | 6.79T |
| Cash, Cash Equivalents and Short-Term Investments | 647.62B | 790.70B | 612.64B | 605.15B | 712.78B |
| Total Debt | 404.60B | 547.70B | 415.93B | 717.07B | 1.04T |
| Total Liabilities | 6.51T | 6.74T | 6.45T | 6.45T | 6.46T |
| Stockholders Equity | 366.65B | 430.98B | 353.81B | 379.53B | 318.93B |
Cash Flow | |||||
| Free Cash Flow | 0.00 | 37.67B | 37.96B | -165.12B | 26.22B |
| Operating Cash Flow | 0.00 | 40.77B | -105.08B | -160.57B | 28.82B |
| Investing Cash Flow | 0.00 | 9.92B | 117.58B | 64.78B | 33.03B |
| Financing Cash Flow | 0.00 | 128.87B | -4.96B | -12.10B | 91.91B |
Aichi Financial Group, Inc. Technical Analysis
Positive
4600.00
Price Trends
1429.62
Positive
1405.58
Positive
1154.02
Positive
Market Momentum
67.45
Negative
70.89
Negative
88.56
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:7389, the sentiment is Positive. The current price of 4600 is above the 20-day moving average (MA) of 1478.40, above the 50-day MA of 1429.62, and above the 200-day MA of 1154.02, indicating a bullish trend. The MACD of 67.45 indicates Negative momentum. The RSI at 70.89 is Negative, neither overbought nor oversold. The STOCH value of 88.56 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:7389.
Aichi Financial Group, Inc. Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
71 Outperform | ¥409.48B | 15.09 | ― | 2.94% | 14.34% | 32.85% | |
70 Outperform | ¥291.35B | 13.39 | 7.61% | 3.81% | 17.66% | 24.54% | |
70 Outperform | ¥305.94B | 15.77 | ― | 2.27% | 33.67% | 31.83% | |
69 Neutral | ¥414.29B | 18.86 | ― | 2.14% | 19.10% | 141.01% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | ¥473.38B | 9.58 | ― | 1.95% | 17.98% | 34.51% | |
66 Neutral | ¥299.63B | 15.82 | ― | 2.55% | 18.30% | 38.07% |
* Financial Sector Average
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Aichi Financial Group, Inc. Corporate Events
Aichi Financial Group Completes Restricted Stock Grant to Directors
Jul 13, 2026
Aichi Financial Group, Inc., a regional Japanese financial services group listed on the Tokyo and Nagoya exchanges, provides banking and related services to corporate and retail customers in Aichi Prefecture and surrounding areas. The company emph...
Aichi Financial Group Grants Restricted Stock to Directors After Share Split
Jun 26, 2026
Aichi Financial Group will dispose of 46,000 shares of its treasury stock as restricted stock remuneration to six directors of the parent company and ten directors of its subsidiary, with a total value of ¥62,284,000 at ¥1,354 per share....
Aichi Financial Group to Book Extraordinary Gain From Partial Pension Trust Return
Jun 10, 2026
Aichi Financial Group said its core subsidiary Aichi Bank will partially terminate a retirement benefit trust after pension assets, including trust assets, significantly exceeded retirement benefit obligations and are expected to remain in surplus...
Aichi Financial Group overhauls board and audit lineup across group
May 15, 2026
Aichi Financial Group and its core subsidiary Aichi Bank have announced a slate of board changes, naming several new outside directors and audit and supervisory committee members while confirming the retirement of existing committee members. The a...
Aichi Financial Group Raises Profit and ROE Targets in Medium-Term Plan
May 15, 2026
Aichi Financial Group has revised upward the key numerical targets in its second medium-term business plan covering April 2025 to March 2028. The move reflects steady progress under the plan and a domestic interest-rate environment that has remain...
Aichi Financial Group Posts 23.9% Jump in Full-Year Ordinary Income
May 15, 2026
Aichi Financial Group reported a significant improvement in its full-year consolidated results for the fiscal year ended March 31, 2026, underscoring stronger earnings from its core financial operations. As a regional banking group with a focus on...
Aichi Financial Group Posts Profit Surge and Strong Cash Flows for FY 2026
May 15, 2026
Aichi Financial Group reported a sharp rebound in earnings for the year ended March 31, 2026, with ordinary income rising 23.9% to ¥125.1 billion and profit attributable to owners of the parent surging 139.7% to ¥21.8 billion. Profitabil...
Aichi Financial Group and San ju San Financial Group Agree on Merger Framework
May 13, 2026
Aichi Financial Group, Inc. and San ju San Financial Group, Inc. have each developed as trusted regional financial groups, supporting businesses and communities in Aichi and Mie, two core manufacturing prefectures in Japan’s Tokai industrial...
Aichi Financial Group Clarifies Media Reports as Board Approves Business Integration Framework
May 13, 2026
Aichi Financial Group, Inc. stated that recent media reports claiming it is in negotiations for a business integration with San ju San Financial Group, Inc. were not based on any formal announcement by the company. The group clarified that its boa...
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.