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Yamaguchi Financial Group (8418) Stock Price & Analysis
8418 Stock Chart & Stats
- Day’s Range
- JPY 3,100.00 - JPY 3,198.00
- 52-Week Range
- JPY 1,716.50 - JPY 3,618.00
- Previous Close
- JPY 3,183.00
- Volume
- 605.20K
- Average Volume (3M)
- 568.71K
- Market Cap
- JPY 611.16B
- Enterprise Value
- JPY 288.70B
- Total Cash (Recent Filing)
- JPY 1.86T
- Total Debt (Recent Filing)
- JPY 1.16T
- Price to Earnings (P/E)
- 17.3
- Beta
- 1.30
- Next Earnings
- Nov 13, 2026 (Est.)
- EPS Estimate
- N/A
- Next Dividend Ex-Date
- Mar 30, 2027
- Dividend Yield
- 2.56%
Bulls Say, Bears Say
Bulls Say
Revenue And Earnings Recovery
Revenue acceleration across 2024–2026, alongside the recovery from a 2022 loss to solid earnings through 2026, indicates stronger recent operating scale. If maintained, this combination can support reinvestment and improve earnings capacity over the next several quarters.
Improved Profitability
Operating and net profitability strengthened from 2023 to 2025, showing that recent growth was accompanied by improved earnings conversion. Stronger margins can provide a more durable buffer for investment and credit-cycle pressures, although sustaining them remains important.
Stable Balance-sheet Foundation
The group has a sizable balance sheet, relatively stable equity, and steady asset growth. That foundation supports shareholder returns and provides scale for its regional banking franchise, giving the business a durable base from which to serve customers and allocate capital.
Bears Say
Volatile Cash Generation
Operating and free cash flow have swung from strong positive in 2021 to deeply negative in 2022–2023, modestly positive in 2024, zero in 2025, and positive again in 2026. This volatility makes internally generated funding less predictable and weakens confidence in cash-generation durability.
Uneven Leverage
Debt relative to equity has been elevated and uneven, reaching a high level in 2025 before improving in 2026. This inconsistency can heighten sensitivity to funding costs and credit conditions, reducing financial flexibility through changing banking-cycle conditions.
Uneven Operating Results
Results remain uneven despite the recent recovery: 2022 recorded negative earnings and operating profit, while 2026 operating profit declined from 2025 even as revenue rose. This pattern raises concern that cost, credit, or operating-leverage dynamics could limit profit durability.
Yamaguchi Financial Group News
8418 FAQ
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Company Description
Yamaguchi Financial Group
Yamaguchi Financial Group, Inc., together with its subsidiaries, provides various banking products and services in Japan. The company engages in the securities brokerage, credit card, leasing, regional research and consulting, insurance agent, debt management and collection, investment management, fund management, employee benefits agency, and credit guarantee businesses. It is also involved in the agriculture and crowdfunding business, as well as wholesale and retail of agricultural, forestry, and fishery products. Yamaguchi Financial Group, Inc. was incorporated in 2006 and is headquartered in Shimonoseki, Japan.
- Sector
- General
- Industry
- Banks - Regional
- CEO
- Keisuke Mukunashi
- Employees
- 3,459
- Website
- www.ymfg.co.jp
- Address
- 4-2-36 Takezakicho, Shimonoseki, YG, 750-0025, JP
Yamaguchi Financial Group (8418) Earnings & Revenues
8418 Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 7 | 6 | 9 |
| Technical Analysis | 2 | 6 | 2 |
| Moving Averages | 5 | 0 | 7 |





