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Seven Bank, Ltd.
(8410)
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Rating:58Neutral
Price Target:
¥315.00
▲(3.24% Upside)
Action:Reiterated
Date:05/09/26
The score is driven primarily by mixed financial performance: a materially strengthened balance sheet is offset by slowing revenue and profit compression since the 2024 peak and volatile cash generation. Technicals are neutral-to-weak (negative MACD and price below key moving averages), while valuation is supported by a ~4% dividend yield but constrained by a negative P/E.
Positive Factors
Improved balance sheet (deleveraging)
Zero reported debt in 2026 and rising equity materially increase financial flexibility and reduce interest expense risk. This durable improvement strengthens the bank's capacity to absorb shocks, fund strategic initiatives or support payouts without relying on external borrowing.
Negative Factors
Slowing revenue and margin compression
The step-up in 2023–2024 gave way to decelerating top-line and squeezed profitability in 2025–2026. Persistent slowing undermines earnings power and limits internal funding for investment or higher payouts, making future growth and margin recovery less certain.
Read all positive and negative factors
Positive Factors
Negative Factors
Improved balance sheet (deleveraging)
Zero reported debt in 2026 and rising equity materially increase financial flexibility and reduce interest expense risk. This durable improvement strengthens the bank's capacity to absorb shocks, fund strategic initiatives or support payouts without relying on external borrowing.
Read all positive factors
Seven Bank, Ltd. (8410) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥295.52B
Dividend Yield3.62%
Average Volume (3M)5.52M
Price to Earnings (P/E)24.5
Beta (1Y)0.45
Revenue Growth2.57%
EPS Growth-21.10%
CountryJP
Employees1,393
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)12.36
Shares Outstanding1,179,308,000
10 Day Avg. Volume4,312,200
30 Day Avg. Volume5,515,820
Financial Highlights & Ratios
PEG Ratio-1.00
Price to Book (P/B)1.06
Price to Sales (P/S)1.47
P/FCF Ratio6.48
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
¥252.50Price Target Upside-17.24% Downside
Rating ConsensusModerate Sell
Number of Analyst Covering2
EPS Forecast (FY)15.13
Revenue Forecast (FY)¥231.50B
Seven Bank, Ltd. Business Overview & Revenue Model
Company Description
Seven Bank, Ltd. provides various banking products and services to individual and corporate customers in Japan and internationally. The company offers account services, including deposits, post payment, financial product intermediary, loan, and de...
How the Company Makes Money
Seven Bank’s earnings are primarily driven by fees and spreads generated from its retail banking and ATM platform. (1) ATM-related fee income: The bank operates ATMs placed in 7-Eleven and other partner locations and earns transaction fees when cu...
Seven Bank, Ltd. Financial Statement Overview
Summary
Income Statement
64
Positive
Balance Sheet
72
Positive
Cash Flow
48
Neutral
| Breakdown | Mar 2026 | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 201.70B | 210.16B | 202.81B | 150.45B | 133.47B |
| Gross Profit | 194.04B | 205.17B | 199.46B | 148.62B | 132.45B |
| EBITDA | 52.45B | 58.01B | 68.52B | 46.95B | 43.54B |
| Net Income | 13.60B | 18.22B | 31.97B | 18.85B | 20.83B |
Balance Sheet | |||||
| Total Assets | 1.55T | 1.50T | 1.72T | 1.31T | 1.22T |
| Cash, Cash Equivalents and Short-Term Investments | 896.25B | 892.85B | 988.93B | 952.03B | 931.40B |
| Total Debt | 113.60B | 98.34B | 194.05B | 144.96B | 106.94B |
| Total Liabilities | 1.26T | 1.21T | 1.44T | 1.06T | 977.51B |
| Stockholders Equity | 280.50B | 277.23B | 270.55B | 250.63B | 242.50B |
Cash Flow | |||||
| Free Cash Flow | 45.83B | -83.93B | 0.00 | 41.26B | 17.03B |
| Operating Cash Flow | 55.77B | -38.87B | 0.00 | 66.58B | 41.31B |
| Investing Cash Flow | -90.04B | -46.71B | -51.94B | -36.19B | -36.11B |
| Financing Cash Flow | 35.09B | -12.67B | 81.82B | -12.97B | -12.73B |
Seven Bank, Ltd. Technical Analysis
Positive
305.10
Price Trends
281.07
Positive
276.59
Positive
281.99
Positive
Market Momentum
6.26
Negative
72.81
Negative
87.24
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8410, the sentiment is Positive. The current price of 305.1 is above the 20-day moving average (MA) of 288.68, above the 50-day MA of 281.07, and above the 200-day MA of 281.99, indicating a bullish trend. The MACD of 6.26 indicates Negative momentum. The RSI at 72.81 is Negative, neither overbought nor oversold. The STOCH value of 87.24 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:8410.
Seven Bank, Ltd. Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
70 Outperform | ¥19.34T | 15.76 | 9.14% | 2.38% | -0.74% | 43.87% | |
69 Neutral | ¥5.12T | 19.56 | 8.37% | 1.80% | 16.12% | 22.97% | |
68 Neutral | ¥4.49T | 14.28 | 9.31% | 3.31% | 0.67% | 25.67% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
62 Neutral | ¥11.23T | 21.34 | 5.28% | 2.73% | 26.25% | 28.43% | |
58 Neutral | ¥295.52B | 24.50 | ― | 3.66% | 2.57% | -21.10% | |
56 Neutral | ¥398.78B | 15.52 | 4.74% | 3.38% | 4.61% | 17.29% |
* Financial Sector Average
JP:8410
Seven Bank, Ltd.
302.80
46.24
18.02%
JP:8308
Resona Holdings
2,224.50
955.13
75.24%
JP:8304
Aozora Bank
2,883.00
790.93
37.81%
JP:8309
Sumitomo Mitsui Holdings
6,450.00
2,743.18
74.00%
JP:7182
Japan Post Bank Co
3,141.00
1,540.12
96.20%
JP:8411
Mizuho Financial Group
7,930.00
3,909.05
97.22%
Seven Bank, Ltd. Corporate Events
Seven Bank’s ATM Network and Transactions Edge Up in June 2026
Jul 10, 2026
Seven Bank reported that its non-consolidated ATM network reached 28,614 units at the end of June 2026, reflecting year-on-year expansion as the bank continues to deepen its presence in Japan’s retail financial infrastructure. The company...
Seven Bank Cancels All Performance-Linked Stock Acquisition Rights After Missing Targets
Jun 17, 2026
Seven Bank has extinguished all 38,352 paid stock acquisition rights previously granted as stock options to directors, audit and supervisory board members, and employees of the bank and its subsidiaries, which were exercisable for up to 3,835,200 ...
Seven Bank Reports Higher ATM Network Utilization and Transaction Growth in May 2026
Jun 10, 2026
Seven Bank reported that its non-consolidated ATM network reached 28,570 units at the end of May 2026, an increase to 101.8% of the prior-year level. The disclosed figures, which are preliminary and unaudited, underscore the bank’s continued...
Seven Bank Extends Performance-Based Stock Compensation Plan for Executives and Key Staff
May 22, 2026
Seven Bank will continue its performance-based stock compensation plan for executive officers and selected employees from 2026 onward, maintaining an ESOP-style trust structure that delivers shares or cash at retirement based on job rank and achie...
Seven Bank Tightens Links Between Director Stock Pay and Performance
May 22, 2026
Seven Bank, Ltd. plans to continue its performance-based stock compensation plan for directors from 2026 onward, maintaining a Board Incentive Plan Trust structure that links a portion of executive pay to business performance and share price. The ...
Seven Bank Revamps Board to Tighten Ties With Group and Partners
May 22, 2026
Seven Bank, Ltd. has approved changes to its management team, including the nomination of three new directors drawn from key group and partner companies, Seven i Holdings Co., Ltd., SEVEN-ELEVEN JAPAN CO., LTD., and ITOCHU Corporation, effective ...
Seven Bank to Expand Board and Introduce New Preferred Shares for Capital Flexibility
May 22, 2026
Seven Bank plans to amend its Articles of Incorporation to expand the maximum number of directors from nine to eleven, aiming to strengthen the Board’s ability to respond to a rapidly changing business environment. The move is also intended ...
Seven Bank Details Governance and Key Affiliated Shareholder Relationships
May 8, 2026
Seven Bank has detailed its relationships with key affiliated companies, notably Seven i Holdings and ITOCHU Corporation, which collectively hold significant voting rights and provide crucial retail locations for the bank’s ATM network. Aro...
Seven Bank posts higher April ATM usage on expanding network
May 8, 2026
Seven Bank reported that as of the end of April 2026 it had 28,539 ATMs in operation, representing a 1.8% year-on-year increase, underscoring continued expansion of its nationwide network. The bank recorded 93.7 million ATM transactions for the mo...
Seven Bank Outlines FY2026 Results and Three-Year Outlook
May 8, 2026
Seven Bank, Ltd. reported its financial results for the fiscal year ended March 31, 2026, outlining performance across its key business segments and presenting headline figures to investors and stakeholders. The disclosure also included financial ...
Seven Bank Publishes Detailed Supplementary Data to FY2026 Results
May 8, 2026
Seven Bank, Ltd. released detailed supplementary materials to its financial results for the fiscal year ended March 31, 2026, outlining key management indicators on both a non-consolidated and consolidated basis. The disclosure covers net revenue,...
Seven Bank Holds Dividend as Profit Falls, Targets Earnings Rebound in FY2027
May 8, 2026
Seven Bank reported a 2.6% rise in consolidated ordinary income to ¥220.0 billion for the fiscal year ended March 31, 2026, while ordinary profit was essentially flat at ¥30.2 billion and net income attributable to owners dropped 26.0% t...
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.