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TOMONY Holdings, Inc.
(8600)
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Rating:70Neutral
Price Target:
¥1,227.00
▲(11.75% Upside)
Action:Reiterated
Date:08/17/26
The score is driven primarily by solid financial performance with improving growth and a de-levered balance sheet, tempered by historically volatile cash flow. Technicals add support due to a strong uptrend and positive momentum, though overbought indicators raise near-term pullback risk. Valuation is supportive with a reasonable P/E and moderate dividend yield.
Positive Factors
Sustained Revenue Growth
The multi-year revenue uptrend, including accelerated growth through 2024–2026, indicates expanding business activity and provides a durable foundation for future earnings, provided the company maintains credit quality and customer demand.
Negative Factors
Volatile Cash Generation
Recent cash conversion is solid, but the earlier sharp swings show that earnings do not always translate consistently into cash. This creates execution and working-capital risk and may constrain dependable capital deployment.
Read all positive and negative factors
Positive Factors
Negative Factors
Sustained Revenue Growth
The multi-year revenue uptrend, including accelerated growth through 2024–2026, indicates expanding business activity and provides a durable foundation for future earnings, provided the company maintains credit quality and customer demand.
Read all positive factors
TOMONY Holdings, Inc. (8600) vs. iShares MSCI Japan ETF (EWJ)
Market Cap
¥208.61B
Dividend Yield2.27%
Average Volume (3M)524.42K
Price to Earnings (P/E)12.6
Beta (1Y)0.93
Revenue Growth12.19%
EPS Growth6.03%
CountryJP
Employees2,184
SectorGeneral
Sector StrengthN/A
IndustryBanks - Regional
Share Statistics
EPS (TTM)90.81
Shares Outstanding193,533,000
10 Day Avg. Volume460,970
30 Day Avg. Volume524,416
Financial Highlights & Ratios
PEG Ratio5.19
Price to Book (P/B)0.53
Price to Sales (P/S)1.55
P/FCF Ratio5.91
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
TOMONY Holdings, Inc. Business Overview & Revenue Model
Company Description
Operating through its various subsidiaries, TOMONY Holdings, Inc. delivers a comprehensive array of banking and financial products and services. Its diverse portfolio encompasses specific offerings such as leasing and card services, in addition to...
How the Company Makes Money
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TOMONY Holdings, Inc. Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
70
Positive
Cash Flow
52
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 97.81B | 101.15B | 92.92B | 85.88B | 77.49B | 66.94B |
| Gross Profit | 81.11B | 79.31B | 84.86B | 82.72B | 74.35B | 65.07B |
| EBITDA | 26.33B | 26.11B | 25.00B | 23.22B | 22.42B | 20.79B |
| Net Income | 17.48B | 16.16B | 15.83B | 14.01B | 14.17B | 13.06B |
Balance Sheet | ||||||
| Total Assets | 5.25T | 5.20T | 5.03T | 4.81T | 4.55T | 4.60T |
| Cash, Cash Equivalents and Short-Term Investments | 454.74B | 485.99B | 509.25B | 462.73B | 371.14B | 537.96B |
| Total Debt | 140.65B | 141.22B | 165.47B | 165.24B | 103.82B | 483.34B |
| Total Liabilities | 4.94T | 4.91T | 4.75T | 4.53T | 4.30T | 4.35T |
| Stockholders Equity | 301.99B | 294.82B | 281.62B | 275.17B | 245.19B | 243.33B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | 26.54B | 42.36B | -36.73B | -203.16B | 46.16B |
| Operating Cash Flow | 0.00 | 29.26B | 43.98B | -34.91B | -201.41B | 47.91B |
| Investing Cash Flow | 0.00 | -191.99B | -201.24B | 27.57B | 37.48B | -27.44B |
| Financing Cash Flow | 0.00 | 138.75B | 204.29B | 196.92B | -2.56B | -2.38B |
TOMONY Holdings, Inc. Technical Analysis
Positive
1098.00
Price Trends
978.42
Positive
933.31
Positive
871.36
Positive
Market Momentum
32.19
Positive
61.70
Neutral
33.00
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8600, the sentiment is Positive. The current price of 1098 is above the 20-day moving average (MA) of 1062.95, above the 50-day MA of 978.42, and above the 200-day MA of 871.36, indicating a bullish trend. The MACD of 32.19 indicates Positive momentum. The RSI at 61.70 is Neutral, neither overbought nor oversold. The STOCH value of 33.00 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for JP:8600.
TOMONY Holdings, Inc. Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
76 Outperform | ¥222.53B | 9.92 | 8.89% | 5.60% | 33.52% | 186.49% | |
70 Neutral | ¥208.61B | 12.59 | ― | 2.48% | 12.19% | 6.03% | |
68 Neutral | ¥766.23B | 11.87 | 11.50% | 3.48% | 6.57% | 22.90% | |
64 Neutral | ¥683.93B | 9.97 | 8.64% | 2.83% | 10.50% | 8.52% | |
60 Neutral | ¥173.58B | 10.62 | ― | 4.42% | 1.92% | -26.04% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
JP:8600
TOMONY Holdings, Inc.
1,143.00
528.58
86.03%
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TOMONY Holdings, Inc. Corporate Events
TOMONY Holdings Launches Restricted Stock Plan for Employee Shareholding Association
Aug 7, 2026
TOMONY Holdings has approved the introduction of a restricted stock incentive plan for its employee shareholding association, under which treasury shares will be granted to consenting employees via the association. The plan is designed to enhance ...
TOMONY Holdings Posts Strong Q1 FY2026 Earnings and Confirms Higher Dividend Outlook
Aug 7, 2026
TOMONY Holdings, Inc., a Tokyo-listed financial group centered on regional banking and related services, derives its revenues from ordinary banking operations such as lending and deposits. With total assets surpassing ¥5.2 trillion and an equ...
TOMONY Holdings Completes Restricted Stock Treasury Disposal for Executive Pay
Jul 23, 2026
TOMONY Holdings has completed the payment process for the disposal of 138,526 shares of its treasury stock, which are being granted as restricted stock compensation to executives. The shares, priced at 862 yen each for a total of approximately 119...
TOMONY Holdings to Grant ¥119 Million in Restricted Stock to Group Directors
Jun 24, 2026
TOMONY Holdings approved the disposal of 138,526 shares of its treasury stock as restricted stock compensation for five directors of the holding company and 17 directors of its banking subsidiaries, with a total value of about ¥119.4 million ...
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.