TOMONY Holdings, Inc. (8600) AI Stock Analysis

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TOMONY Holdings, Inc.

(TSE/TYO:8600)

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Rating:76Outperform

Price Target:JPY 1,062.00▲(4.02% Upside)

Action:reiterated

Date:08/17/26

The overall score is driven primarily by TOMONY Holdings' robust technical momentum and stable financial fundamentals. The stock benefits from consistent top-line expansion, conservative balance sheet management, and a fair valuation, providing a strong foundation despite a modest return on equity.

Positive Factors

Sustained Revenue GrowthThe multi-year revenue uptrend, including approximately 12% growth in 2026, indicates continued expansion in the company’s earning base. If maintained, this growth can support operating scale, strengthen the foundation for future profit generation, and improve resilience across the next several quarters.

Negative Factors

Volatile Cash GenerationAlthough recent free cash flow conversion was strong, the sharp negative periods in 2023–2024 show that cash generation has not been consistently predictable. This volatility can complicate capital planning, reduce confidence in internally funded growth, and increase execution risk during weaker periods.

TOMONY Holdings, Inc. (8600) vs. iShares MSCI Japan ETF (EWJ)

Market Cap: JPY 196.11B
Dividend Yield: 2.74%
Average Volume (3M): 494.95K
Price to Earnings (P/E): 11.2
Beta (1Y): 1.10
Revenue Growth: 12.77%
EPS Growth: 54.40%
Country: Japan
Employees: 2,184
Sector: General
Sector Strength: 55
Industry: Banks - Regional

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 it...

TOMONY Holdings, Inc. Financial Statement Overview

Summary

Financial fundamentals are solid, supported by sustained revenue growth, healthy net profit margins around 16%, and disciplined debt reduction. These strengths are slightly offset by historical cash flow volatility and a structurally modest return on equity of 5.5%.

Income Statement

82Very Positive

Balance Sheet

76Positive

Cash Flow

65Positive

Financial statement breakdown
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	26.54B	42.36B	-36.73B	-203.16B	46.16B
Operating Cash Flow	0	29.26B	43.98B	-34.91B	-201.41B	47.91B
Investing Cash Flow	0	-191.99B	-201.24B	27.57B	37.48B	-27.44B
Financing Cash Flow	0	138.75B	204.29B	196.92B	-2.56B	-2.38B

TOMONY Holdings, Inc. Technical Analysis

Technical Analysis SentimentNeutral

Last Price1021.00

Price Trends

50DMA1100.70Negative

100DMA1036.28Negative

200DMA954.93Positive

Market Momentum

MACD-29.10Negative

RSI45.53Neutral

STOCH73.20Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8600, the sentiment is Neutral. The current price of 1021.00 is below the 20-day moving average (MA) of 1028.55, below the 50-day MA of 1100.70, and above the 200-day MA of 954.93, indicating a neutral trend. The MACD of -29.10 indicates Negative momentum. The RSI at 45.53 is Neutral, neither overbought nor oversold. The STOCH value of 73.20 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for JP:8600.

TOMONY Holdings, Inc. Peers Comparison

Overall Rating

UnderperformOutperform

Sector (55)

Financial Indicators

JP:8600 against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
JP:8600	76Outperform	JPY 191.70B	11.24	―	2.74%	12.77%	54.40%
JP:8616	71Outperform	JPY 193.23B	9.76	10.42%	6.78%	15.67%	61.22%
JP:8572	68Neutral	JPY 716.73B	10.95	9.12%	5.04%	7.30%	22.63%
JP:8584	60Neutral	JPY 154.84B	10.93	―	5.68%	1.49%	-33.65%
Sector *	55Neutral	$6.65B	3.83	-15.92%	6.20%	10.91%	7.18%
JP:8253	55Neutral	JPY 606.79B	8.74	9.19%	3.13%	3.38%	26.61%

* General Sector Average

Performance Comparison

JP:8600 and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
JP:8600	TOMONY Holdings, Inc.	1021.00	345.94	51.25%
JP:8572	ACOM Co	456.50	21.38	4.91%
JP:8253	Credit Saison Co	4157.00	632.28	17.94%
JP:8616	Tokai Tokyo Financial Holdings	782.00	209.81	36.67%
JP:8584	Jaccs Co., Ltd.	3520.00	-283.34	-7.45%

TOMONY Holdings, Inc. Corporate Events

TOMONY Holdings Cuts Size of Employee Restricted Stock Allotment After Forfeiture

Oct 30, 2026

TOMONY Holdings, Inc. has completed payment procedures for the disposal of treasury stock under its restricted stock incentive plan for the employee shareholding association, following a Board resolution from August 7, 2026. The transaction involves...

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.

Date of analysis: Aug 17, 2026

TOMONY Holdings, Inc. AI Stock Analysis