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Aichi Financial Group, Inc.
(7389)
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Rating:58Neutral
Price Target:
¥1,884.00
▼(-59.04% Downside)
Action:Reiterated
Date:10/22/26
The score is primarily driven by improving financial performance into FY2026, but tempered by uneven cash flow and prior-year profitability volatility. Technical indicators are currently bearish-to-weak, keeping the overall score in the upper-middle range despite a moderate valuation profile.
Positive Factors
Accelerating revenue and margin growth
Strong revenue acceleration combined with materially improved margins indicates better earnings capacity across the regional banking group. If maintained, this broader operating improvement can support reinvestment, strengthen profitability, and improve resilience over the next several quarters.
Negative Factors
Highly volatile cash generation
Back-to-back years of negative operating cash flow show that reported earnings have not converted consistently into cash. Even with the FY2026 recovery, this volatility complicates planning, weakens confidence in earnings quality, and may constrain dependable capital allocation.
Read all positive and negative factors
Positive Factors
Negative Factors
Accelerating revenue and margin growth
Strong revenue acceleration combined with materially improved margins indicates better earnings capacity across the regional banking group. If maintained, this broader operating improvement can support reinvestment, strengthen profitability, and improve resilience over the next several quarters.
Read all positive factors
Aichi Financial Group, Inc. (7389) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥423.13B
Dividend Yield1.86%
Average Volume (3M)994.05K
Price to Earnings (P/E)12.9
Beta (1Y)1.28
Revenue Growth31.25%
EPS Growth313.52%
CountryJP
Employees2,562
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)59.43
Shares Outstanding245,623,350
10 Day Avg. Volume1,028,800
30 Day Avg. Volume994,046
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
Aichi Financial Group, Inc. generates earnings primarily through the operating results of its consolidated financial subsidiaries, with profit ultimately accruing to the holding company. Key revenue sources are generally: (1) Net interest income: ...
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 | 45.46B | 115.08B | 95.37B | 83.26B | 68.75B |
| Gross Profit | 37.84B | 93.90B | 87.39B | 79.78B | 66.76B |
| EBITDA | 20.96B | 33.18B | 14.34B | 15.13B | 84.64B |
| Net Income | 14.48B | 21.81B | 9.10B | 8.29B | 81.81B |
Balance Sheet | |||||
| Total Assets | 7.03T | 7.17T | 6.80T | 6.83T | 6.79T |
| Cash, Cash Equivalents and Short-Term Investments | 571.20B | 790.70B | 612.64B | 605.15B | 712.78B |
| Total Debt | 376.80B | 547.70B | 415.93B | 717.07B | 1.04T |
| Total Liabilities | 6.57T | 6.74T | 6.45T | 6.45T | 6.46T |
| Stockholders Equity | 463.06B | 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
Neutral
4600.00
Price Trends
1888.91
Negative
1714.29
Positive
1505.21
Positive
Market Momentum
-61.24
Positive
42.51
Neutral
43.85
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:7389, the sentiment is Neutral. The current price of 4600 is above the 20-day moving average (MA) of 1836.10, above the 50-day MA of 1888.91, and above the 200-day MA of 1505.21, indicating a neutral trend. The MACD of -61.24 indicates Positive momentum. The RSI at 42.51 is Neutral, neither overbought nor oversold. The STOCH value of 43.85 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral 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 |
|---|---|---|---|---|---|---|---|
70 Outperform | ¥320.64B | 15.36 | ― | 5.79% | 39.26% | 34.23% | |
69 Neutral | ¥313.84B | 13.26 | 9.31% | 9.94% | 19.56% | 13.61% | |
69 Neutral | ¥325.40B | 16.00 | ― | 2.68% | 22.23% | 45.07% | |
68 Neutral | ¥426.30B | 8.16 | ― | 2.03% | 18.11% | 43.52% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | ¥429.22B | 14.96 | ― | 2.39% | 16.26% | 41.29% | |
58 Neutral | ¥423.13B | 12.92 | ― | 1.86% | 31.25% | 313.52% |
* Financial Sector Average
JP:7389
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Aichi Financial Group, Inc. Corporate Events
Aichi Financial Group and San ju San Financial Group Scrap Planned Business Integration
Sep 10, 2026
Aichi Financial Group, Inc. and San ju San Financial Group, Inc. have dissolved their basic agreement to pursue a business integration through merger, originally announced in May 2026 and targeted for completion by April 1, 2027. After multiple ro...
Aichi Financial Group Posts Strong Q1 Profit Surge and Confirms Dividend Outlook
Aug 14, 2026
Aichi Financial Group reported a sharp improvement in performance for the three months ended June 30, 2026, with ordinary income up 49.3% year-on-year to ¥39.9 billion and profit attributable to owners of the parent surging 280.8% to ¥14...
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.