Senshu Ikeda Holdings,Inc. (8714) AI Stock Analysis

Top Page

Senshu Ikeda Holdings,Inc.

(TSE/TYO:8714)

Select Model

Rating:57Neutral

Price Target:JPY 1,008.00▲(10.04% Upside)

Action:reiterated

Date:10/30/26

Senshu Ikeda Holdings scores in the moderate range. The primary driver is its improving fundamental profile — accelerating revenue, sharply higher net income, expanding margins and a much healthier balance sheet after cutting debt-to-equity from 4.7x to 1.7x. Offsetting this are a still-low ROE of ~5.6% and highly volatile cash flows, which limit confidence in sustainable cash generation. Technicals are the main near-term drag, with the share price below its 20-, 50- and 100-day moving averages and negative MACD momentum, though the stock remains above its 200-day average. Valuation provides some cushion: a 13.5x P/E alongside a 2.9% dividend yield is reasonable relative to projected earnings growth. No earnings call commentary or corporate events were available, so those factors were excluded from the score.

Positive Factors

Revenue and Earnings GrowthRevenue acceleration and steadily rising net income indicate improving earnings momentum rather than isolated profitability. This strengthens the group’s capacity to build scale, support future investment, and sustain better operating performance over the next several quarters.

Negative Factors

Meaningful LeverageAlthough leverage has improved from earlier peaks, debt remains substantial relative to equity. This can constrain financial flexibility, increase sensitivity to tighter credit conditions, and limit the capital available for growth or shareholder returns if funding costs rise.

Senshu Ikeda Holdings,Inc. (8714) vs. iShares MSCI Japan ETF (EWJ)

Market Cap: JPY 255.06B
Dividend Yield: 3.08%
Average Volume (3M): 1.08M
Price to Earnings (P/E): 12.9
Beta (1Y): 1.27
Revenue Growth: 28.58%
EPS Growth: 54.76%
Country: Japan
Employees: 2,244
Sector: Financial
Sector Strength: 68
Industry: Banks - Regional

Senshu Ikeda Holdings,Inc. Business Overview & Revenue Model

Company Description

Senshu Ikeda Holdings, Inc. operates as a financial services provider, delivering a broad spectrum of banking solutions to both small and medium-sized businesses and individual customers, both domestically in Japan and across international markets. I...

Senshu Ikeda Holdings,Inc. Financial Statement Overview

Summary

Earnings quality is the standout strength: revenue accelerated to ¥79.9B in FY2025 (+12.3%) with ¥100.7B projected for FY2026, while net income more than tripled since FY2021 to ¥13.2B, lifting net margin to ~16.6% and EBIT margin to ~24.4% (Income Statement: 68). The balance sheet has improved materially, with total debt cut from over ¥2.0T to ¥411B and debt-to-equity falling from 4.7x to 1.7x, though ROE remains modest at ~5.6% and leverage is still meaningful (Balance Sheet: 55). Cash flow is the weakest pillar, with extreme historical swings — from ¥880B operating cash flow in FY2021 to ¥-1.03T in FY2023 — before recovering to ¥30.3B in FY2025 and a projected ¥49.7B in FY2026 (Cash Flow: 52). Net-net, a credible turnaround with improving profitability, tempered by low capital efficiency and unpredictable cash generation.

Income Statement

68Positive

Balance Sheet

55Neutral

Cash Flow

52Neutral

Financial statement breakdown
Breakdown	TTM	Mar 2026	Mar 2025	Mar 2024	Mar 2023	Mar 2022
Income Statement
Total Revenue	107.55B	100.74B	79.91B	71.16B	74.66B	70.03B
Gross Profit	91.31B	86.84B	74.87B	69.53B	75.26B	69.14B
EBITDA	28.39B	29.82B	23.97B	19.94B	16.43B	18.52B
Net Income	19.78B	17.34B	13.25B	10.87B	9.50B	11.40B
Balance Sheet
Total Assets	6.72T	6.60T	6.43T	6.44T	6.22T	7.04T
Cash, Cash Equivalents and Short-Term Investments	782.60B	716.97B	854.99B	797.79B	821.65B	1.72T
Total Debt	391.72B	400.97B	410.99B	469.00B	340.56B	2.08T
Total Liabilities	6.46T	6.34T	6.19T	6.20T	5.99T	6.79T
Stockholders Equity	251.29B	250.75B	237.36B	242.29B	226.53B	248.42B
Cash Flow
Free Cash Flow	0	46.20B	26.79B	-820.00M	-1.04T	134.91B
Operating Cash Flow	0	49.65B	30.31B	3.58B	-1.03T	138.80B
Investing Cash Flow	0	-334.32B	-101.48B	-145.75B	165.66B	-83.53B
Financing Cash Flow	0	136.98B	30.31B	85.42B	-28.75B	-3.00B

Senshu Ikeda Holdings,Inc. Technical Analysis

Technical Analysis SentimentNegative

Last Price916.00

Price Trends

50DMA1057.25Negative

100DMA1029.18Negative

200DMA952.61Negative

Market Momentum

MACD-40.26Positive

RSI34.04Neutral

STOCH39.21Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For JP:8714, the sentiment is Negative. The current price of 916.00 is below the 20-day moving average (MA) of 1028.15, below the 50-day MA of 1057.25, and below the 200-day MA of 952.61, indicating a bearish trend. The MACD of -40.26 indicates Positive momentum. The RSI at 34.04 is Neutral, neither overbought nor oversold. The STOCH value of 39.21 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for JP:8714.

Senshu Ikeda Holdings,Inc. Peers Comparison

Overall Rating

UnderperformOutperform

Sector (68)

Financial Indicators

JP:8714 against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
JP:8570	70Outperform	JPY 312.53B	13.96	4.80%	3.66%	8.37%	58.03%
JP:8572	68Neutral	JPY 694.32B	10.74	9.18%	5.19%	6.57%	22.90%
Sector *	68Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
JP:8584	60Neutral	JPY 149.04B	9.22	―	5.99%	1.92%	-26.04%
JP:8714	57Neutral	JPY 256.75B	12.89	―	3.08%	28.58%	54.76%
JP:8253	55Neutral	JPY 600.12B	8.70	9.19%	3.14%	10.50%	8.52%

* Financial Sector Average

Performance Comparison

JP:8714 and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
JP:8714	Senshu Ikeda Holdings,Inc.	916.00	269.48	41.68%
JP:8572	ACOM Co	443.20	24.08	5.75%
JP:8570	AEON Financial Service Co	1448.00	-14.29	-0.98%
JP:8253	Credit Saison Co	4139.00	488.29	13.38%
JP:8584	Jaccs Co., Ltd.	3340.00	-491.83	-12.84%

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: Oct 30, 2026

Senshu Ikeda Holdings,Inc. AI Stock Analysis

Top Page