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Seven Bank, Ltd.
(8410)
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Rating:65Neutral
Price Target:
¥349.00
▲(14.39% Upside)
Action:Reiterated
Date:08/09/26
The score is held back most by mixed financial performance: a stronger, less-levered balance sheet contrasts with slowing revenue and compressed profitability, plus volatile cash generation. Technicals are a meaningful positive with an intact uptrend and supportive momentum signals. Valuation is a modest negative due to a relatively high P/E, partially offset by the dividend yield.
Positive Factors
Debt-Free Balance Sheet
The elimination of total debt materially improves financial flexibility and reduces balance-sheet risk. Gradually rising equity provides an additional capital cushion, helping Seven Bank support its banking and ATM operations through changing economic conditions.
Negative Factors
Revenue and Earnings Deceleration
Recent revenue contraction and consecutive profit compression weaken confidence in near-term operating momentum. If the slowdown persists, reduced scale benefits and lower margins could limit the company’s ability to convert its network reach into sustained earnings growth.
Read all positive and negative factors
Positive Factors
Negative Factors
Debt-Free Balance Sheet
The elimination of total debt materially improves financial flexibility and reduces balance-sheet risk. Gradually rising equity provides an additional capital cushion, helping Seven Bank support its banking and ATM operations through changing economic conditions.
Read all positive factors
Seven Bank, Ltd. (8410) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥332.12B
Dividend Yield3.22%
Average Volume (3M)6.01M
Price to Earnings (P/E)23.7
Beta (1Y)0.44
Revenue Growth3.36%
EPS Growth-6.47%
CountryJP
Employees1,393
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)14.35
Shares Outstanding1,179,308,000
10 Day Avg. Volume4,239,640
30 Day Avg. Volume6,010,286
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
¥350.00Price Target Upside14.72% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)14.79
Revenue Forecast (FY)¥235.10B
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 | TTM | Mar 2026 | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 203.82B | 201.70B | 210.16B | 202.81B | 150.45B | 133.47B |
| Gross Profit | 200.14B | 194.04B | 205.17B | 199.46B | 148.62B | 132.45B |
| EBITDA | 24.82B | 52.45B | 58.01B | 68.52B | 46.95B | 43.54B |
| Net Income | 15.88B | 13.60B | 18.22B | 31.97B | 18.85B | 20.83B |
Balance Sheet | ||||||
| Total Assets | 1.57T | 1.55T | 1.50T | 1.72T | 1.31T | 1.22T |
| Cash, Cash Equivalents and Short-Term Investments | 868.92B | 896.25B | 892.85B | 988.93B | 952.03B | 931.40B |
| Total Debt | 110.63B | 113.60B | 98.34B | 194.05B | 144.96B | 106.94B |
| Total Liabilities | 1.29T | 1.26T | 1.21T | 1.44T | 1.06T | 977.51B |
| Stockholders Equity | 280.70B | 280.50B | 277.23B | 270.55B | 250.63B | 242.50B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 45.83B | -83.93B | 0.00 | 41.26B | 17.03B |
| Operating Cash Flow | 0.00 | 55.77B | -38.87B | 0.00 | 66.58B | 41.31B |
| Investing Cash Flow | 0.00 | -90.04B | -46.71B | -51.94B | -36.19B | -36.11B |
| Financing Cash Flow | 0.00 | 35.09B | -12.67B | 81.82B | -12.97B | -12.73B |
Seven Bank, Ltd. Technical Analysis
Positive
305.10
Price Trends
315.96
Positive
294.63
Positive
290.16
Positive
Market Momentum
6.72
Positive
62.95
Neutral
70.29
Neutral
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 below the 20-day moving average (MA) of 335.48, below the 50-day MA of 315.96, and above the 200-day MA of 290.16, indicating a bullish trend. The MACD of 6.72 indicates Positive momentum. The RSI at 62.95 is Neutral, neither overbought nor oversold. The STOCH value of 70.29 is Neutral, 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 |
|---|---|---|---|---|---|---|---|
68 Neutral | ¥21.40T | 15.65 | 12.28% | 1.65% | 5.93% | 59.55% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | ¥5.87T | 21.47 | 9.18% | 1.14% | 17.19% | 19.44% | |
65 Neutral | ¥332.12B | 23.71 | ― | 3.22% | 3.36% | -6.47% | |
65 Neutral | ¥5.03T | 13.63 | 10.68% | 2.57% | 5.33% | 33.82% | |
58 Neutral | ¥12.07T | 20.13 | 6.46% | 2.19% | 39.22% | 43.01% | |
57 Neutral | ¥470.99B | 15.27 | 6.44% | 2.70% | 12.37% | 60.15% |
* Financial Sector Average
JP:8410
Seven Bank, Ltd.
340.30
63.74
23.05%
JP:8308
Resona Holdings
2,550.00
1,099.30
75.78%
JP:8304
Aozora Bank
3,405.00
1,206.35
54.87%
JP:8309
Sumitomo Mitsui Holdings
1,801.00
777.18
75.91%
JP:7182
Japan Post Bank Co
3,377.00
1,538.59
83.69%
JP:8411
Mizuho Financial Group
8,774.00
4,007.53
84.08%
Seven Bank, Ltd. Corporate Events
Seven Bank Posts Higher July ATM Volume and Expanded Network
Aug 7, 2026
Seven Bank, Ltd. reported its non-consolidated monthly operating metrics for July 2026, highlighting continued growth in its ATM network and usage. The bank had 28,666 ATMs in operation at month-end, an increase to 101.8% of the prior-year level, ...
Seven Bank lifts profit outlook after extending ATM depreciation period
Aug 7, 2026
Seven Bank has revised the depreciation period for ATMs in its domestic business from five to seven years following the full replacement of its fleet with fourth-generation machines, aligning accounting treatment with longer expected economic use....
Seven Bank boosts Q1 profits and lifts full-year earnings outlook
Aug 7, 2026
Seven Bank reported solid growth for the first quarter of the fiscal year ending March 2027, with ordinary income rising 6.6% year on year to ¥56.9 billion and ordinary profit jumping 63.4% to ¥10.8 billion. Net income attributable to ow...
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 ...
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.