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Yamaguchi Financial Group
(8418)
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Rating:62Neutral
Price Target:
¥3,820.00
▲(20.96% Upside)
Action:Reiterated
Date:08/17/26
The score is primarily held back by financial quality concerns—especially highly volatile cash flow and elevated/uneven leverage—despite solid recent profitability and revenue momentum. Technicals are a notable positive with the stock trading above key moving averages and positive MACD, while valuation is neutral with a mid-range P/E and a modest ~2% dividend yield.
Positive Factors
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.
Negative Factors
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.
Read all positive and negative factors
Positive Factors
Negative Factors
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.
Read all positive factors
Yamaguchi Financial Group (8418) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥626.41B
Dividend Yield2.5%
Average Volume (3M)597.23K
Price to Earnings (P/E)17.7
Beta (1Y)1.28
Revenue Growth19.17%
EPS Growth14.72%
CountryJP
Employees3,459
SectorGeneral
Sector StrengthN/A
IndustryBanks - Regional
Share Statistics
EPS (TTM)158.03
Shares Outstanding234,767,610
10 Day Avg. Volume630,890
30 Day Avg. Volume597,230
Financial Highlights & Ratios
PEG Ratio-3.18
Price to Book (P/B)0.76
Price to Sales (P/S)1.96
P/FCF Ratio13.76
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
¥4,000.00Price Target Upside26.66% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)237.07
Revenue Forecast (FY)¥307.35B
Yamaguchi Financial Group Business Overview & Revenue Model
Company Description
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, deb...
How the Company Makes Money
Yamaguchi Financial Group primarily makes money through banking operations. Its main earnings driver is interest income generated by extending loans (e.g., corporate loans, consumer loans, and other credit products) and investing in interest-beari...
Yamaguchi Financial Group Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
58
Neutral
Cash Flow
39
Negative
| Breakdown | TTM | Mar 2026 | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 207.31B | 258.22B | 208.72B | 180.34B | 152.55B | 142.13B |
| Gross Profit | 164.79B | 211.02B | 172.31B | 143.40B | 129.13B | 114.63B |
| EBITDA | 49.39B | 51.36B | 57.13B | 41.63B | 31.79B | 297.00M |
| Net Income | 33.51B | 33.01B | 35.35B | 25.22B | 17.89B | -13.01B |
Balance Sheet | ||||||
| Total Assets | 12.99T | 13.18T | 12.99T | 12.55T | 12.21T | 12.18T |
| Cash, Cash Equivalents and Short-Term Investments | 1.86T | 1.71T | 1.86T | 1.39T | 1.88T | 2.18T |
| Total Debt | 1.16T | 1.05T | 1.39T | 1.29T | 1.58T | 1.04T |
| Total Liabilities | 12.35T | 12.51T | 12.37T | 11.89T | 11.60T | 11.55T |
| Stockholders Equity | 632.53B | 668.19B | 619.04B | 652.79B | 611.85B | 629.96B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 36.73B | 0.00 | 5.25B | -147.81B | -80.64B |
| Operating Cash Flow | 0.00 | 41.82B | 0.00 | 13.52B | -143.35B | -77.13B |
| Investing Cash Flow | -146.62B | -310.43B | -146.62B | -493.73B | -155.57B | 461.97B |
| Financing Cash Flow | 3.60B | 79.46B | 3.60B | -94.00M | 1.76B | -13.20B |
Yamaguchi Financial Group Technical Analysis
Neutral
3158.00
Price Trends
3235.54
Negative
3062.28
Positive
2786.11
Positive
Market Momentum
-21.17
Positive
39.47
Neutral
8.41
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8418, the sentiment is Neutral. The current price of 3158 is below the 20-day moving average (MA) of 3386.44, below the 50-day MA of 3235.54, and above the 200-day MA of 2786.11, indicating a neutral trend. The MACD of -21.17 indicates Positive momentum. The RSI at 39.47 is Neutral, neither overbought nor oversold. The STOCH value of 8.41 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for JP:8418.
Yamaguchi Financial Group Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
70 Outperform | ¥612.25B | 13.91 | ― | 3.03% | 28.29% | 57.51% | |
70 Outperform | ¥658.26B | 14.30 | ― | 2.99% | 25.87% | 26.22% | |
69 Neutral | ¥905.61B | 13.23 | ― | 18.71% | 26.86% | 54.93% | |
67 Neutral | ¥651.21B | 13.46 | ― | 3.15% | 17.99% | 49.43% | |
63 Neutral | ¥679.87B | 18.35 | 4.82% | 2.21% | 14.57% | 7.83% | |
62 Neutral | ¥626.41B | 17.71 | 5.56% | 2.50% | 19.17% | 14.72% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
JP:8418
Yamaguchi Financial Group
3,082.00
1,372.74
80.31%
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102.17%
Yamaguchi Financial Group Corporate Events
Yamaguchi Financial Group to Dispose Treasury Shares for Board Benefit Trust
Aug 7, 2026
Yamaguchi Financial Group has approved the disposal of 840,000 treasury shares, worth about ¥2.58 billion, to a trust account at Custody Bank of Japan as part of its performance-linked Board Benefit Trust compensation scheme. The shares, pric...
Yamaguchi Financial Group Delivers Profit Surge and Plans Higher Dividend
Aug 7, 2026
Yamaguchi Financial Group reported a strong start to fiscal 2026, with ordinary income for the quarter ended June 30 rising 28.5% year on year to ¥73.2 billion and profit attributable to owners of parent jumping 46.4% to ¥14.1 billion. E...
Yamaguchi Financial Group Flags Significant Unrealized Securities Losses, Keeps Forecasts Intact
Jul 31, 2026
Yamaguchi Financial Group has reported unrealized losses of ¥32,448 million on held-to-maturity debt securities and listed shares of associates as of the end of the first quarter of the fiscal year ending March 31, 2027. The book value of the...
Yamaguchi Financial Group Completes ¥10 Billion Share Buyback
Jul 21, 2026
Yamaguchi Financial Group, Inc., a Japanese banking and financial services provider listed on the Tokyo Stock Exchange Prime Market, serves regional and broader domestic clients through its network of group institutions. Its Prime Market status un...
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.