Announcement • Jun 09
Kyoto Financial Group,Inc. to Report Q1, 2027 Results on Jul 31, 2026 Kyoto Financial Group,Inc. announced that they will report Q1, 2027 results on Jul 31, 2026 New Risk • May 17
New major risk - Revenue and earnings growth Earnings are forecast to decline by an average of 3.3% per year for the foreseeable future. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are expected to decline, then in most cases the share price will decline over time as well. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. This is currently the only risk that has been identified for the company. Price Target Changed • May 17
Price target increased by 11% to JP¥4,513 Up from JP¥4,062, the current price target is an average from 4 analysts. New target price is approximately in line with last closing price of JP¥4,413. Stock is up 83% over the past year. The company is forecast to post earnings per share of JP¥244 for next year compared to JP¥339 last year. Announcement • May 15
Kyoto Financial Group,Inc., Annual General Meeting, Jun 26, 2026 Kyoto Financial Group,Inc., Annual General Meeting, Jun 26, 2026. Announcement • May 09
Kyoto Financial Group,Inc. to Report Fiscal Year 2026 Results on May 14, 2026 Kyoto Financial Group,Inc. announced that they will report fiscal year 2026 results on May 14, 2026 Major Estimate Revision • Apr 21
Consensus EPS estimates increase by 35% The consensus outlook for fiscal year 2026 has been updated. 2026 EPS estimate increased from JP¥249 to JP¥335. Revenue forecast unchanged at JP¥192.4b. Net income forecast to grow 65% next year vs 14% growth forecast for Banks industry in Japan. Consensus price target up from JP¥4,062 to JP¥4,210. Share price was steady at JP¥4,356 over the past week. Major Estimate Revision • Apr 10
Consensus EPS estimates increase by 52% The consensus outlook for fiscal year 2026 has been updated. 2026 EPS estimate increased from JP¥163 to JP¥249. Revenue forecast unchanged at JP¥192.4b. Net income forecast to grow 42% next year vs 11% growth forecast for Banks industry in Japan. Consensus price target up from JP¥3,578 to JP¥4,062. Share price was steady at JP¥4,330 over the past week. Price Target Changed • Apr 08
Price target increased by 12% to JP¥3,782 Up from JP¥3,388, the current price target is an average from 5 analysts. New target price is 15% below last closing price of JP¥4,475. Stock is up 136% over the past year. The company is forecast to post earnings per share of JP¥220 for next year compared to JP¥125 last year. Price Target Changed • Feb 28
Price target increased by 11% to JP¥3,388 Up from JP¥3,040, the current price target is an average from 4 analysts. New target price is 13% below last closing price of JP¥3,877. Stock is up 79% over the past year. The company is forecast to post earnings per share of JP¥151 for next year compared to JP¥125 last year. Reported Earnings • Jan 31
Third quarter 2026 earnings released: EPS: JP¥43.31 (vs JP¥38.25 in 3Q 2025) Third quarter 2026 results: EPS: JP¥43.31 (up from JP¥38.25 in 3Q 2025). Revenue: JP¥44.2b (up 14% from 3Q 2025). Net income: JP¥12.3b (up 10% from 3Q 2025). Profit margin: 28% (in line with 3Q 2025). Revenue is expected to decline by 2.4% p.a. on average during the next 3 years, while revenues in the Banks industry in Japan are expected to grow by 5.4%. Over the last 3 years on average, earnings per share has increased by 17% per year but the company’s share price has increased by 35% per year, which means it is tracking significantly ahead of earnings growth. Announcement • Jan 30
Kyoto Financial Group,Inc. Provides Consolidated Earnings Guidance for the Fiscal Year Ending March 31, 2026 Kyoto Financial Group,Inc. provided consolidated earnings guidance for the fiscal year ending March 31, 2026. For the year, the company expects ordinary income to be JPY 202,200 million, Net income attributable to owners of parent to be JPY 45,000 million, Net income per share to be JPY 158.41. Major Estimate Revision • Dec 24
Consensus revenue estimates increase by 20% The consensus outlook for revenues in fiscal year 2026 has improved. 2026 revenue forecast increased from JP¥180.5b to JP¥216.8b. EPS estimate increased from JP¥146 to JP¥159 per share. Net income forecast to grow 14% next year vs 13% growth forecast for Banks industry in Japan. Consensus price target up from JP¥2,900 to JP¥3,040. Share price rose 3.6% to JP¥3,455 over the past week. Price Target Changed • Dec 23
Price target increased by 11% to JP¥3,040 Up from JP¥2,740, the current price target is an average from 5 analysts. New target price is 12% below last closing price of JP¥3,439. Stock is up 49% over the past year. The company is forecast to post earnings per share of JP¥159 for next year compared to JP¥125 last year. Announcement • Dec 17
Kyoto Financial Group,Inc. to Report Q3, 2026 Results on Jan 30, 2026 Kyoto Financial Group,Inc. announced that they will report Q3, 2026 results on Jan 30, 2026 Declared Dividend • Dec 02
First half dividend of JP¥40.00 announced Shareholders will receive a dividend of JP¥40.00. Ex-date: 30th March 2026 Payment date: 3rd June 2026 Dividend yield will be 2.4%, which is lower than the industry average of 3.2%. Sustainability & Growth The dividend has increased by an average of 18% per year over the past 10 years and has been stable with no material reductions to payments, indicating a long track record of dividend growth and stability. EPS is expected to grow by 32% over the next 3 years, which should provide support to the dividend and adequate earnings cover. Reported Earnings • Nov 18
Second quarter 2026 earnings released: EPS: JP¥48.59 (vs JP¥14.74 in 2Q 2025) Second quarter 2026 results: EPS: JP¥48.59 (up from JP¥14.74 in 2Q 2025). Revenue: JP¥42.1b (up 47% from 2Q 2025). Net income: JP¥13.9b (up 222% from 2Q 2025). Profit margin: 33% (up from 15% in 2Q 2025). The increase in margin was driven by higher revenue. Revenue is expected to decline by 3.2% p.a. on average during the next 3 years, while revenues in the Banks industry in Japan are expected to grow by 4.0%. Over the last 3 years on average, earnings per share has increased by 17% per year but the company’s share price has increased by 32% per year, which means it is tracking significantly ahead of earnings growth. Announcement • Nov 14
Kyoto Financial Group,Inc. (TSE:5844) announces an Equity Buyback for 1,000,000 shares, representing 0.35% for ¥2,000 million. Kyoto Financial Group,Inc. (TSE:5844) announces a share repurchase program. Under the program, the company will repurchase up to 1,000,000 shares, representing 0.35% of its issued share capital (excluding treasury stock) for ¥2,000 million. The purpose of the program is to improve corporate value by enhancing shareholder returns and improving capital efficiency. The program will be valid till March 31, 2026. As of September 30, 2025, the company had 284,868,138 shares outstanding and 16,494,614 shares in treasury. Price Target Changed • Nov 05
Price target increased by 7.0% to JP¥2,900 Up from JP¥2,710, the current price target is an average from 5 analysts. New target price is 9.3% below last closing price of JP¥3,196. Stock is up 36% over the past year. The company is forecast to post earnings per share of JP¥151 for next year compared to JP¥125 last year. Major Estimate Revision • Oct 21
Consensus revenue estimates increase by 11% The consensus outlook for revenues in fiscal year 2026 has improved. 2026 revenue forecast increased from JP¥133.2b to JP¥147.5b. EPS estimate increased from JP¥144 to JP¥151 per share. Net income forecast to grow 37% next year vs 17% growth forecast for Banks industry in Japan. Consensus price target broadly unchanged at JP¥2,740. Share price rose 3.4% to JP¥3,117 over the past week. Upcoming Dividend • Sep 22
Upcoming dividend of JP¥35.00 per share Eligible shareholders must have bought the stock before 29 September 2025. Payment date: 02 December 2025. Payout ratio is a comfortable 54% and this is well supported by cash flows. Trailing yield: 2.3%. Lower than top quartile of Japanese dividend payers (3.6%). Lower than average of industry peers (3.1%). Announcement • Sep 11
Kyoto Financial Group,Inc. to Report Q2, 2026 Results on Nov 14, 2025 Kyoto Financial Group,Inc. announced that they will report Q2, 2026 results on Nov 14, 2025 Board Change • Sep 06
Less than half of directors are independent There are 11 new directors who have joined the board in the last 3 years. Of these new board members, 4 were independent directors. The company's board is composed of: 11 new directors. 1 experienced director. No highly experienced directors. 4 independent directors (7 non-independent directors). Audit & Supervisory Board Member Hiroyuki Ando is the most experienced director on the board, commencing their role in 2021. Independent Outside Director Eiji Ueki was the last independent director to join the board, commencing their role in 2023. The following issues are considered to be risks according to the Simply Wall St Risk Model: Minority of independent directors. Lack of board continuity. Lack of experienced directors. Announcement • Jun 25
Kyoto Financial Group,Inc. to Report Q1, 2026 Results on Jul 31, 2025 Kyoto Financial Group,Inc. announced that they will report Q1, 2026 results on Jul 31, 2025 Announcement • May 17
Kyoto Financial Group,Inc. (TSE:5844) announces an Equity Buyback for 5,000,000 shares, representing 1.72% for ¥10,000 million. Kyoto Financial Group,Inc. (TSE:5844) announces a share repurchase program. Under the program, the company will repurchase up to 5,000,000 shares, representing 1.72% of its issued share capital (excluding treasury stock) for ¥10,000 million. The purpose of the program is enhance shareholder returns in accordance with the company's shareholder return policy and to increase corporate value through improved capital efficiency. The program will be valid till December 30, 2025. As of March 31, 2025, the company had 289,974,543 shares outstanding and 11,388,209 shares in treasury. Announcement • May 15
Kyoto Financial Group,Inc., Annual General Meeting, Jun 27, 2025 Kyoto Financial Group,Inc., Annual General Meeting, Jun 27, 2025. Announcement • Mar 18
Kyoto Financial Group,Inc. to Report Fiscal Year 2025 Results on May 15, 2025 Kyoto Financial Group,Inc. announced that they will report fiscal year 2025 results on May 15, 2025 Announcement • Nov 30
Kyoto Financial Group,Inc. to Report Q3, 2025 Results on Jan 31, 2025 Kyoto Financial Group,Inc. announced that they will report Q3, 2025 results on Jan 31, 2025 Announcement • Nov 14
Kyoto Financial Group,Inc. (TSE:5844) announces an Equity Buyback for 5,000,000 shares, representing 1.71% for ¥10,000 million. Kyoto Financial Group,Inc. (TSE:5844) announces a share repurchase program. Under the program, the company will repurchase up to 5,000,000 shares, representing 1.71% of its issued share capital (excluding treasury stock) for ¥10,000 million. The purpose of the program is to to improve corporate value by enhancing shareholder returns and improving capital efficiency. The program will be valid till June 30, 2025. As of September 30, 2024, the company had 292,201,575 shares outstanding and 9,161,177 shares in treasury. Announcement • Aug 28
Kyoto Financial Group,Inc. to Report Q2, 2025 Results on Nov 14, 2024 Kyoto Financial Group,Inc. announced that they will report Q2, 2025 results on Nov 14, 2024 Announcement • Jun 08
Kyoto Financial Group,Inc. to Report Q1, 2025 Results on Jul 31, 2024 Kyoto Financial Group,Inc. announced that they will report Q1, 2025 results on Jul 31, 2024 Announcement • May 16
Kyoto Financial Group,Inc., Annual General Meeting, Jun 27, 2024 Kyoto Financial Group,Inc., Annual General Meeting, Jun 27, 2024. Announcement • Mar 02
Kyoto Financial Group,Inc. to Report Fiscal Year 2024 Results on May 14, 2024 Kyoto Financial Group,Inc. announced that they will report fiscal year 2024 results on May 14, 2024 Announcement • Mar 01
Kyoto Financial Group,Inc. (TSE:5844) agreed to acquire 90% stake in Sekisui Leasing Co.,Ltd. from Mitsubishi HC Capital Inc. (TSE:8593) for ¥3.5 billion. Kyoto Financial Group,Inc. (TSE:5844) agreed to acquire 90% stake in Sekisui Leasing Co.,Ltd. from Mitsubishi HC Capital Inc. (TSE:8593) for ¥3.5 billion on February 29, 2024. Announcement • Feb 01
Kyoto Financial Group,Inc. Provides Dividend Guidance for the Year Ending March 31, 2024 Kyoto Financial Group,Inc. provided dividend guidance for the year ending March 31, 2024. For the year, the company expects to pay dividend of JPY 35 per share includes a commemorative dividend of JPY 15 per share for the anniversary of the Company. Announcement • Dec 02
Kyoto Financial Group,Inc. to Report Q3, 2024 Results on Jan 31, 2024 Kyoto Financial Group,Inc. announced that they will report Q3, 2024 results on Jan 31, 2024 Announcement • Nov 29
The Bank of Kyoto, Ltd Ordinary Shares to Be Deleted from OTC Equity The Bank of Kyoto Ltd. Ordinary Shares (Japan) will be deleted from OTC Equity effective November 28, 2023, due to CUSIP Suspended. Announcement • Nov 09
Kyoto Financial Group,Inc. to Report Q2, 2024 Results on Nov 13, 2023 Kyoto Financial Group,Inc. announced that they will report Q2, 2024 results on Nov 13, 2023 Announcement • Sep 06
The Bank of Kyoto, Ltd. to Delist from Prime Section of Tokyo Stock Exchange The Bank of Kyoto, Ltd. will be delisted from prime section of Tokyo Stock Exchange effective from September 28, 2023. Delisting is due to Becoming a wholly owned subsidiary of Kyoto Financial Group Inc. Reported Earnings • Aug 01
First quarter 2024 earnings released: EPS: JP¥200 (vs JP¥185 in 1Q 2023) First quarter 2024 results: EPS: JP¥200 (up from JP¥185 in 1Q 2023). Revenue: JP¥37.9b (down 6.3% from 1Q 2023). Net income: JP¥14.9b (up 7.2% from 1Q 2023). Profit margin: 39% (up from 34% in 1Q 2023). The increase in margin was driven by lower expenses. Revenue is expected to fall by 1.4% p.a. on average during the next 3 years compared to a 2.9% decline forecast for the Banks industry in Japan. Over the last 3 years on average, earnings per share has increased by 13% per year but the company’s share price has increased by 27% per year, which means it is tracking significantly ahead of earnings growth. Price Target Changed • Jul 18
Price target increased by 18% to JP¥7,033 Up from JP¥5,950, the current price target is an average from 2 analysts. New target price is 5.3% below last closing price of JP¥7,425. Stock is up 36% over the past year. The company is forecast to post earnings per share of JP¥384 for next year compared to JP¥363 last year. Announcement • Jun 07
The Bank of Kyoto, Ltd. to Report Q1, 2024 Results on Jul 31, 2023 The Bank of Kyoto, Ltd. announced that they will report Q1, 2024 results on Jul 31, 2023 Reported Earnings • May 18
Full year 2023 earnings: EPS and revenues exceed analyst expectations Full year 2023 results: EPS: JP¥363 (up from JP¥273 in FY 2022). Revenue: JP¥114.3b (up 1.4% from FY 2022). Net income: JP¥27.2b (up 32% from FY 2022). Profit margin: 24% (up from 18% in FY 2022). The increase in margin was primarily driven by lower expenses. Revenue exceeded analyst estimates by 4.3%. Earnings per share (EPS) also surpassed analyst estimates by 7.9%. Revenue is forecast to grow 3.9% p.a. on average during the next 2 years, compared to a 2.8% decline forecast for the Banks industry in Japan. Over the last 3 years on average, earnings per share has increased by 9% per year but the company’s share price has increased by 22% per year, which means it is tracking significantly ahead of earnings growth. Upcoming Dividend • Mar 23
Upcoming dividend of JP¥80.00 per share at 1.6% yield Eligible shareholders must have bought the stock before 30 March 2023. Payment date: 30 June 2023. Payout ratio is a comfortable 42% but the company is not cash flow positive. Trailing yield: 1.6%. Lower than top quartile of Japanese dividend payers (3.6%). Lower than average of industry peers (4.0%). Reported Earnings • Feb 01
Third quarter 2023 earnings released: EPS: JP¥132 (vs JP¥133 in 3Q 2022) Third quarter 2023 results: EPS: JP¥132 (down from JP¥133 in 3Q 2022). Revenue: JP¥31.2b (down 29% from 3Q 2022). Net income: JP¥9.91b (down 1.8% from 3Q 2022). Profit margin: 32% (up from 23% in 3Q 2022). The increase in margin was driven by lower expenses. Revenue is forecast to grow 2.6% p.a. on average during the next 3 years, while revenues in the Banks industry in Japan are expected to remain flat. Over the last 3 years on average, earnings per share has fallen by 3% per year but the company’s share price has increased by 11% per year, which means it is well ahead of earnings. Announcement • Jan 31
The Bank of Kyoto, Ltd. Revises Dividends Forecast for the Year-end 2022 The Bank of Kyoto, Ltd. announces that it has revised its forecast for dividends, and decided to repurchase shares of the Bank in light of recent trends in its financial results. company Revised forecasts for the Year-end 2022of JPY 80.00 against Previous forecasts of JPY 60.00. Announcement • Dec 01
The Bank of Kyoto, Ltd. to Report Q3, 2023 Results on Jan 31, 2023 The Bank of Kyoto, Ltd. announced that they will report Q3, 2023 results on Jan 31, 2023 Board Change • Nov 16
Less than half of directors are independent There are 6 new directors who have joined the board in the last 3 years. Of these new board members, 4 were independent directors. The company's board is composed of: 3 independent directors. 5 non-independent directors. Independent Outside Director Eiji Ueki was the last independent director to join the board, commencing their role in 2021. The following issues are considered to be risks according to the Simply Wall St Risk Model: Minority of independent directors. Lack of board continuity. Upcoming Dividend • Sep 22
Upcoming dividend of JP¥50.00 per share Eligible shareholders must have bought the stock before 29 September 2022. Payment date: 01 December 2022. Payout ratio is a comfortable 35% but the company is not cash flow positive. Trailing yield: 1.8%. Lower than top quartile of Japanese dividend payers (3.7%). Lower than average of industry peers (4.4%). Reported Earnings • Jul 31
First quarter 2023 earnings released: EPS: JP¥185 (vs JP¥184 in 1Q 2022) First quarter 2023 results: EPS: JP¥185. Revenue: JP¥40.8b (up 11% from 1Q 2022). Net income: JP¥13.9b (flat on 1Q 2022). Profit margin: 34% (down from 38% in 1Q 2022). The decrease in margin was driven by higher expenses. Over the next year, revenue is expected to shrink by 3.8% compared to a 6.4% growth forecast for the industry in Japan. Reported Earnings • May 16
Full year 2022 earnings: Revenues exceed analysts expectations while EPS lags behind Full year 2022 results: EPS: JP¥273 (up from JP¥223 in FY 2021). Revenue: JP¥113.3b (up 20% from FY 2021). Net income: JP¥20.6b (up 22% from FY 2021). Profit margin: 18% (in line with FY 2021). Revenue exceeded analyst estimates by 1.4%. Earnings per share (EPS) missed analyst estimates by 3.6%. Over the next year, revenue is forecast to stay flat compared to a 15% decline forecast for the banks industry in Japan. Over the last 3 years on average, earnings per share has fallen by 20% per year but the company’s share price has increased by 7% per year, which means it is well ahead of earnings. Board Change • Apr 27
Less than half of directors are independent There are 6 new directors who have joined the board in the last 3 years. Of these new board members, 4 were independent directors. The company's board is composed of: 3 independent directors. 5 non-independent directors. Independent Outside Director Eiji Ueki was the last independent director to join the board, commencing their role in 2021. The following issues are considered to be risks according to the Simply Wall St Risk Model: Minority of independent directors. Lack of board continuity. Upcoming Dividend • Mar 23
Upcoming dividend of JP¥65.00 per share Eligible shareholders must have bought the stock before 30 March 2022. Payment date: 30 June 2022. Payout ratio is a comfortable 21% and this is well supported by cash flows. Trailing yield: 1.7%. Lower than top quartile of Japanese dividend payers (3.4%). Lower than average of industry peers (4.0%). Major Estimate Revision • Feb 10
Consensus revenue estimates increase by 13% The consensus outlook for revenues in 2022 has improved. 2022 revenue forecast increased from JP¥111.7b to JP¥125.7b. EPS estimate increased from JP¥274 to JP¥283 per share. Net income forecast to grow 0.1% next year vs 0.1% growth forecast for Banks industry in Japan. Consensus price target up from JP¥5,367 to JP¥5,700. Share price rose 4.3% to JP¥5,830 over the past week. Price Target Changed • Feb 09
Price target increased to JP¥5,700 Up from JP¥5,287, the current price target is an average from 2 analysts. New target price is approximately in line with last closing price of JP¥5,800. Stock is down 5.7% over the past year. The company is forecast to post earnings per share of JP¥283 for next year compared to JP¥223 last year. Reported Earnings • Feb 02
Third quarter 2022 earnings: EPS misses analyst expectations Third quarter 2022 results: EPS: JP¥133 (up from JP¥110 in 3Q 2021). Revenue: JP¥48.0b (up 66% from 3Q 2021). Net income: JP¥10.1b (up 22% from 3Q 2021). Profit margin: 21% (down from 29% in 3Q 2021). The decrease in margin was driven by higher expenses. Revenue was in line with analyst estimates. Earnings per share (EPS) missed analyst estimates by 12%. Over the next year, revenue is expected to shrink by 3.0% compared to a 13% decline forecast for the industry in Japan. Over the last 3 years on average, earnings per share has fallen by 15% per year but the company’s share price has increased by 8% per year, which means it is well ahead of earnings. Major Estimate Revision • Dec 28
Consensus forecasts updated The consensus outlook for 2022 has been updated. 2022 EPS estimate increased from JP¥239 to JP¥280. Revenue forecast steady at JP¥111.7b. Net income forecast to grow 11% next year vs 0.6% decline forecast for Banks industry in Japan. Consensus price target of JP¥5,367 unchanged from last update. Share price fell 2.3% to JP¥4,895 over the past week. Reported Earnings • Nov 16
Second quarter 2022 earnings released: JP¥1.85 loss per share (vs JP¥27.70 profit in 2Q 2021) The company reported a poor second quarter result with weaker earnings, revenues and control over costs. Second quarter 2022 results: Revenue: JP¥20.1b (down 3.4% from 2Q 2021). Net loss: JP¥140.0m (down 107% from profit in 2Q 2021). Over the last 3 years on average, earnings per share has fallen by 12% per year but the company’s share price has only fallen by 1% per year, which means it has not declined as severely as earnings. Upcoming Dividend • Sep 22
Upcoming dividend of JP¥35.00 per share Eligible shareholders must have bought the stock before 29 September 2021. Payment date: 01 December 2021. Trailing yield: 1.2%. Lower than top quartile of Japanese dividend payers (3.0%). Lower than average of industry peers (4.3%). Reported Earnings • Aug 03
First quarter 2022 earnings released: EPS JP¥184 (vs JP¥117 in 1Q 2021) The company reported a strong first quarter result with improved earnings, revenues and profit margins. First quarter 2022 results: Revenue: JP¥36.9b (up 20% from 1Q 2021). Net income: JP¥13.9b (up 57% from 1Q 2021). Profit margin: 38% (up from 29% in 1Q 2021). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has fallen by 7% per year whereas the company’s share price has fallen by 6% per year. Reported Earnings • May 18
Full year 2021 earnings released: EPS JP¥223 (vs JP¥270 in FY 2020) The company reported a poor full year result with weaker earnings, revenues and profit margins. Full year 2021 results: Revenue: JP¥94.9b (down 6.6% from FY 2020). Net income: JP¥16.9b (down 17% from FY 2020). Profit margin: 18% (down from 20% in FY 2020). The decrease in margin was driven by lower revenue. Over the last 3 years on average, earnings per share has fallen by 4% per year whereas the company’s share price has fallen by 6% per year. Major Estimate Revision • Mar 24
Consensus forecasts updated The consensus outlook for 2021 has been updated. 2021 EPS estimate increased from JP¥228 to JP¥253. Revenue forecast unchanged at JP¥107.9b. Net income forecast to grow 4.7% next year vs 4.0% growth forecast for Banks industry in Japan. Consensus price target up from JP¥4,740 to JP¥5,190. Share price was steady at JP¥6,730 over the past week. Upcoming Dividend • Mar 23
Upcoming dividend of JP¥30.00 per share Eligible shareholders must have bought the stock before 30 March 2021. Payment date: 29 June 2021. Trailing yield: 0.8%. Lower than top quartile of Japanese dividend payers (2.7%). Lower than average of industry peers (3.8%). Is New 90 Day High Low • Mar 11
New 90-day high: JP¥6,800 The company is up 26% from its price of JP¥5,400 on 11 December 2020. The Japanese market is up 8.0% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Banks industry, which is up 24% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is JP¥3,057 per share. Price Target Changed • Feb 25
Price target raised to JP¥4,740 Up from JP¥4,100, the current price target is an average from 2 analysts. The new target price is 29% below the current share price of JP¥6,640. As of last close, the stock is up 74% over the past year. Major Estimate Revision • Feb 25
Analysts update estimates The 2021 consensus earning per share (EPS) estimate increased from JP¥204 to JP¥228. Revenue estimate for the same period was approximately flat at JP¥107.9b. Net income is expected to shrink by 6.5% next year compared to 0.4% growth forecast for the Banks industry in Japan . The consensus price target increased from JP¥4,100 to JP¥4,740. Share price is up 1.7% to JP¥6,640 over the past week. Is New 90 Day High Low • Feb 08
New 90-day high: JP¥6,110 The company is up 22% from its price of JP¥4,990 on 10 November 2020. The Japanese market is up 12% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Banks industry, which is up 10.0% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is JP¥2,414 per share. Reported Earnings • Feb 02
Third quarter 2021 earnings released: EPS JP¥110 (vs JP¥93.19 in 3Q 2020) The company reported a strong third quarter result with improved earnings, revenues and profit margins. Third quarter 2021 results: Revenue: JP¥30.9b (up 13% from 3Q 2020). Net income: JP¥8.29b (up 18% from 3Q 2020). Profit margin: 27% (up from 26% in 3Q 2020). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 1% per year whereas the company’s share price has fallen by 2% per year. Is New 90 Day High Low • Dec 29
New 90-day high: JP¥5,530 The company is up 9.0% from its price of JP¥5,070 on 30 September 2020. The Japanese market is up 8.0% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Banks industry, which is down 1.0% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is JP¥2,418 per share. Is New 90 Day High Low • Dec 11
New 90-day high: JP¥5,400 The company is up 8.0% from its price of JP¥5,020 on 11 September 2020. The Japanese market is also up 8.0% over the last 90 days, indicating the company’s price trend is similar to the market over that time. However, it outperformed the Banks industry, which is down 3.0% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is JP¥2,462 per share. 