Announcement • Jun 26
Daishi Hokuetsu Financial Group, Inc. to Report Q1, 2027 Results on Jul 31, 2026 Daishi Hokuetsu Financial Group, Inc. announced that they will report Q1, 2027 results on Jul 31, 2026 Reported Earnings • Jun 17
Full year 2026 earnings released: EPS: JP¥161 (vs JP¥112 in FY 2025) Full year 2026 results: EPS: JP¥161 (up from JP¥112 in FY 2025). Revenue: JP¥199.5b (up 35% from FY 2025). Net income: JP¥42.1b (up 44% from FY 2025). Profit margin: 21% (up from 20% in FY 2025). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 32% per year but the company’s share price has increased by 59% per year, which means it is tracking significantly ahead of earnings growth. Reported Earnings • May 20
Full year 2026 earnings released: EPS: JP¥161 (vs JP¥112 in FY 2025) Full year 2026 results: EPS: JP¥161 (up from JP¥112 in FY 2025). Revenue: JP¥204.1b (up 38% from FY 2025). Net income: JP¥42.1b (up 44% from FY 2025). Profit margin: 21% (in line with FY 2025). Over the last 3 years on average, earnings per share has increased by 32% per year but the company’s share price has increased by 59% per year, which means it is tracking significantly ahead of earnings growth. Live News • May 17
Daishi Hokuetsu Financial Group Targets Sub-20% Cross-Shareholding and Reports 34% Earnings Growth Daishi Hokuetsu Financial Group plans to cut its ratio of cross-shareholdings to consolidated net assets below 20% by fiscal 2027, two years earlier than initially targeted.
The group is seeking to reduce this ratio further to under 10% over time, aligning with governance reforms that encourage banks to scale back such holdings.
For the fiscal year ended March 31, 2026, Daishi Hokuetsu Financial Group reported a 33.7% rise in consolidated ordinary income, supported by loan interest income, securities-related earnings, and gains from equity sales, while its main banking unit recorded a 40.2% increase in non-consolidated ordinary income.
Taken together, the stronger earnings profile and faster unwinding of cross-shareholdings indicate a focus on capital efficiency, return on equity and maintaining a resilient balance sheet.
For investors, key points to monitor include the pace at which the cross-shareholding ratio moves toward the under-10% objective and the extent to which dividend policy and stock splits support shareholder returns without placing pressure on the capital base. Announcement • May 15
Daishi Hokuetsu Financial Group, Inc., Annual General Meeting, Jun 24, 2026 Daishi Hokuetsu Financial Group, Inc., Annual General Meeting, Jun 24, 2026. Announcement • May 10
Daishi Hokuetsu Financial Group, Inc. to Report Fiscal Year 2026 Results on May 15, 2026 Daishi Hokuetsu Financial Group, Inc. announced that they will report fiscal year 2026 results on May 15, 2026 Upcoming Dividend • Mar 23
Upcoming dividend of JP¥27.00 per share Eligible shareholders must have bought the stock before 30 March 2026. Payment date: 02 June 2026. Payout ratio is a comfortable 32% but the company is not cash flow positive. Trailing yield: 2.8%. Lower than top quartile of Japanese dividend payers (3.6%). In line with average of industry peers (2.7%). Reported Earnings • Jan 31
Third quarter 2026 earnings released: EPS: JP¥42.30 (vs JP¥25.12 in 3Q 2025) Third quarter 2026 results: EPS: JP¥42.30 (up from JP¥25.12 in 3Q 2025). Revenue: JP¥47.8b (up 23% from 3Q 2025). Net income: JP¥11.1b (up 69% from 3Q 2025). Profit margin: 23% (up from 17% in 3Q 2025). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 29% per year but the company’s share price has increased by 54% per year, which means it is tracking significantly ahead of earnings growth. Announcement • Dec 24
Daishi Hokuetsu Financial Group, Inc. to Report Q3, 2026 Results on Jan 30, 2026 Daishi Hokuetsu Financial Group, Inc. announced that they will report Q3, 2026 results on Jan 30, 2026 Declared Dividend • Dec 02
First half dividend of JP¥27.00 announced Shareholders will receive a dividend of JP¥27.00. Ex-date: 30th March 2026 Payment date: 2nd June 2026 Dividend yield will be 6.5%, which is higher than the industry average of 3.2%. Sustainability & Growth The dividend has increased by an average of 27% per year over the past 7 years and payments have been stable during that time. Earnings per share has grown by 29% over the last 5 years. Unless this trend reverses, it should provide support to the dividend and adequate earnings cover. Buy Or Sell Opportunity • Nov 20
Now 20% overvalued after recent price rise Over the last 90 days, the stock has risen 12% to JP¥1,495. The fair value is estimated to be JP¥1,246, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has grown by 9.1% over the last 3 years. Earnings per share has grown by 23%. Reported Earnings • Nov 08
Second quarter 2026 earnings released Second quarter 2026 results: Revenue: JP¥77.3b (up 147% from 2Q 2025). Net income: JP¥10.0b (up 157% from 2Q 2025). Profit margin: 13% (in line with 2Q 2025). Buy Or Sell Opportunity • Oct 30
Now 24% overvalued after recent price rise Over the last 90 days, the stock has risen 19% to JP¥1,490. The fair value is estimated to be JP¥1,205, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has grown by 4.7% over the last 3 years. Earnings per share has grown by 17%. Buy Or Sell Opportunity • Oct 08
Now 20% overvalued after recent price rise Over the last 90 days, the stock has risen 26% to JP¥1,455. The fair value is estimated to be JP¥1,209, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has grown by 4.7% over the last 3 years. Earnings per share has grown by 17%. Announcement • Sep 27
Daishi Hokuetsu Financial Group, Inc. to Report Q2, 2026 Results on Nov 07, 2025 Daishi Hokuetsu Financial Group, Inc. announced that they will report Q2, 2026 results on Nov 07, 2025 Upcoming Dividend • Sep 22
Upcoming dividend of JP¥75.00 per share Eligible shareholders must have bought the stock before 29 September 2025. Payment date: 02 December 2025. Payout ratio is a comfortable 36% but the company is not cash flow positive. Trailing yield: 3.7%. Within top quartile of Japanese dividend payers (3.6%). Higher than average of industry peers (3.1%). Announcement • Aug 29
Daishi Hokuetsu Financial Group, Inc. Provides Dividend Guidance for the Fiscal Year Ending March 31, 2026 Daishi Hokuetsu Financial Group, Inc. provided dividend guidance for the fiscal year ending March 31, 2026. For the year-end period, the company expects dividend of JPY 25.00 per share (JPY 75.00 per share before share split) compared to JPY 75.00 per share a year ago. Reported Earnings • Jul 27
First quarter 2026 earnings released: EPS: JP¥146 (vs JP¥123 in 1Q 2025) First quarter 2026 results: EPS: JP¥146 (up from JP¥123 in 1Q 2025). Revenue: JP¥46.8b (up 12% from 1Q 2025). Net income: JP¥12.8b (up 19% from 1Q 2025). Profit margin: 27% (up from 26% in 1Q 2025). The increase in margin was driven by higher revenue. 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 43% per year, which means it is tracking significantly ahead of earnings growth. Announcement • Jul 25
Daishi Hokuetsu Financial Group, Inc. Provides Consolidated Earnings Guidance for the Six Months Ending September 30, 2025 and Fiscal Year Ending March 31, 2026 Daishi Hokuetsu Financial Group, Inc. provided consolidated earnings guidance for the six months ending September 30, 2025 and fiscal year ending March 31, 2026. For the six months, the company expects ordinary profit to be JPY 23,400 million. Profit attributable to owners of parent to be JPY 16,100 million. Basic earnings per share to be JPY 184.28.
For the full year, the company expects ordinary profit to be JPY 48,000 million. Profit attributable to owners of parent to be JPY 33,000 million. Basic earnings per share to be JPY 377.72. Declared Dividend • Jul 09
Final dividend of JP¥75.00 announced Shareholders will receive a dividend of JP¥75.00. Ex-date: 29th September 2025 Payment date: 2nd December 2025 Dividend yield will be 4.3%, which is higher than the industry average of 3.2%. Sustainability & Growth The dividend has increased by an average of 31% per year over the past 6 years and payments have been stable during that time. Earnings per share has grown by 19% over the last 5 years. Unless this trend reverses, it should provide support to the dividend and adequate earnings cover. Announcement • Jun 21
Daishi Hokuetsu Financial Group, Inc. to Report Q1, 2026 Results on Jul 25, 2025 Daishi Hokuetsu Financial Group, Inc. announced that they will report Q1, 2026 results on Jul 25, 2025 New Risk • May 20
New minor risk - Dividend sustainability The company has an unstable dividend paying track record. The dividend has had an annual drop of over 20% in the past. Dividend yield: 2.3% This is considered a minor risk. If the company has cut or reduced its dividend in the past, it may be a sign that the underlying business is too cyclical to consistently maintain or grow the dividend over the long-term. It may also indicate the company prioritizes other outcomes instead of maintaining the dividend. For dividend paying companies, any reduction in the dividend can significantly impact the share price. Currently, the following risks have been identified for the company: Minor Risks Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past. Share price has been volatile over the past 3 months (8.0% average weekly change). Reported Earnings • May 10
Full year 2025 earnings released: EPS: JP¥336 (vs JP¥237 in FY 2024) Full year 2025 results: EPS: JP¥336 (up from JP¥237 in FY 2024). Revenue: JP¥149.2b (up 9.4% from FY 2024). Net income: JP¥29.3b (up 38% from FY 2024). Profit margin: 20% (up from 16% in FY 2024). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 15% per year but the company’s share price has increased by 37% per year, which means it is tracking significantly ahead of earnings growth. Announcement • May 09
Daishi Hokuetsu Financial Group, Inc., Annual General Meeting, Jun 25, 2025 Daishi Hokuetsu Financial Group, Inc., Annual General Meeting, Jun 25, 2025. Buy Or Sell Opportunity • May 08
Now 20% undervalued Over the last 90 days, the stock has risen 5.2% to JP¥2,960. The fair value is estimated to be JP¥3,703, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 3.9% over the last 3 years. Earnings per share has grown by 14%. Valuation Update With 7 Day Price Move • Apr 04
Investor sentiment deteriorates as stock falls 17% After last week's 17% share price decline to JP¥2,688, the stock trades at a trailing P/E ratio of 9.9x. Average trailing P/E is 9x in the Banks industry in Japan. Total returns to shareholders of 145% over the past three years. New Risk • Apr 03
New minor risk - Share price stability The company's share price has been volatile over the past 3 months. It is more volatile than 75% of Japanese stocks, typically moving 5.3% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. This is currently the only risk that has been identified for the company. Upcoming Dividend • Mar 21
Upcoming dividend of JP¥70.00 per share Eligible shareholders must have bought the stock before 28 March 2025. Payment date: 03 June 2025. Payout ratio is a comfortable 34% but the company is not cash flow positive. Trailing yield: 3.3%. Lower than top quartile of Japanese dividend payers (3.7%). In line with average of industry peers (3.1%). Valuation Update With 7 Day Price Move • Mar 17
Investor sentiment improves as stock rises 18% After last week's 18% share price gain to JP¥3,250, the stock trades at a trailing P/E ratio of 12x. Average trailing P/E is 10x in the Banks industry in Japan. Total returns to shareholders of 172% over the past three years. Announcement • Mar 08
Daishi Hokuetsu Financial Group, Inc. to Report Fiscal Year 2025 Results on May 09, 2025 Daishi Hokuetsu Financial Group, Inc. announced that they will report fiscal year 2025 results on May 09, 2025 Buy Or Sell Opportunity • Feb 19
Now 20% undervalued Over the last 90 days, the stock has risen 2.7% to JP¥2,814. The fair value is estimated to be JP¥3,535, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 3.9% over the last 3 years. Earnings per share has grown by 18%. Reported Earnings • Feb 01
Third quarter 2025 earnings released: EPS: JP¥37.61 (vs JP¥55.05 in 3Q 2024) Third quarter 2025 results: EPS: JP¥37.61. Revenue: JP¥38.9b (up 23% from 3Q 2024). Net income: JP¥6.57b (up 33% from 3Q 2024). Profit margin: 17% (up from 16% in 3Q 2024). The increase in margin was driven by higher revenue. Buy Or Sell Opportunity • Jan 09
Now 20% undervalued Over the last 90 days, the stock has risen 19% to JP¥2,874. The fair value is estimated to be JP¥3,605, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 3.3% over the last 3 years. Earnings per share has grown by 21%. Announcement • Jan 03
Daishi Hokuetsu Financial Group, Inc. to Report Q3, 2025 Results on Jan 31, 2025 Daishi Hokuetsu Financial Group, Inc. announced that they will report Q3, 2025 results on Jan 31, 2025 Buy Or Sell Opportunity • Dec 16
Now 20% undervalued Over the last 90 days, the stock has risen 22% to JP¥2,898. The fair value is estimated to be JP¥3,637, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 3.3% over the last 3 years. Earnings per share has grown by 21%. Declared Dividend • Dec 03
First half dividend of JP¥56.00 announced Shareholders will receive a dividend of JP¥56.00. Ex-date: 28th March 2025 Payment date: 3rd June 2025 Dividend yield will be 5.8%, which is higher than the industry average of 3.2%. Sustainability & Growth The dividend has increased by an average of 25% per year over the past 6 years and payments have been stable during that time. Earnings per share has grown by 8.8% over the last 5 years. Unless this trend reverses, it should provide support to the dividend and adequate earnings cover. Reported Earnings • Nov 10
Second quarter 2025 earnings released Second quarter 2025 results: Revenue: JP¥34.3b (flat on 2Q 2024). Net income: JP¥3.90b (up 33% from 2Q 2024). Profit margin: 11% (up from 8.5% in 2Q 2024). Announcement • Sep 21
Daishi Hokuetsu Financial Group, Inc. to Report Q2, 2025 Results on Nov 08, 2024 Daishi Hokuetsu Financial Group, Inc. announced that they will report Q2, 2025 results on Nov 08, 2024 Upcoming Dividend • Sep 20
Upcoming dividend of JP¥90.00 per share Eligible shareholders must have bought the stock before 27 September 2024. Payment date: 02 December 2024. Payout ratio is a comfortable 28% and this is well supported by cash flows. Trailing yield: 3.7%. Lower than top quartile of Japanese dividend payers (3.8%). In line with average of industry peers (3.5%). Valuation Update With 7 Day Price Move • Aug 05
Investor sentiment deteriorates as stock falls 25% After last week's 25% share price decline to JP¥4,320, the stock trades at a trailing P/E ratio of 9x. Average trailing P/E is 10x in the Banks industry in Japan. Total returns to shareholders of 99% over the past three years. New Risk • Aug 02
New minor risk - Share price stability The company's share price has been volatile over the past 3 months. It is more volatile than 75% of Japanese stocks, typically moving 6.0% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Minor Risks Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past. Share price has been volatile over the past 3 months (6.0% average weekly change). Buy Or Sell Opportunity • Aug 02
Now 27% undervalued Over the last 90 days, the stock has risen 18% to JP¥5,270. The fair value is estimated to be JP¥7,247, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 2.9% over the last 3 years. Earnings per share has grown by 18%. Reported Earnings • Jul 28
First quarter 2025 earnings released: EPS: JP¥245 (vs JP¥242 in 1Q 2024) First quarter 2025 results: EPS: JP¥245. Revenue: JP¥41.8b (up 7.3% from 1Q 2024). Net income: JP¥10.8b (down 1.1% from 1Q 2024). Profit margin: 26% (down from 28% in 1Q 2024). The decrease in margin was driven by higher expenses. Announcement • Jul 26
Daishi Hokuetsu Financial Group, Inc. (TSE:7327) announces an Equity Buyback for 400,000 shares, representing 0.89% for ¥1,200 million. Daishi Hokuetsu Financial Group, Inc. (TSE:7327) announces a share repurchase program. Under the program, the company will repurchase up to 400,000 shares, representing 0.89% of its issued share capital (excluding treasury stock), for a total purchase price of ¥1,200 million. The purpose of the program is to provide stable profit returns to shareholders and improve capital efficiency. The program will run until December 24, 2024. As of June 30, 2024, the company had 44,831,508 issued shares (excluding treasury stock) and 1,111,470 treasury shares. Declared Dividend • Jul 11
Final dividend of JP¥80.00 announced Shareholders will receive a dividend of JP¥80.00. Ex-date: 27th September 2024 Payment date: 2nd December 2024 Dividend yield will be 3.1%, which is about the same as the industry average. Sustainability & Growth The dividend has increased by an average of 5.9% per year over the past 5 years and payments have been stable during that time. The company's earnings per share (EPS) would need to decline by 71% to shift the payout ratio to a potentially unsustainable range, which is more than the 19% EPS decline seen over the last 5 years. Announcement • Jun 27
Daishi Hokuetsu Financial Group, Inc. to Report Q1, 2025 Results on Jul 26, 2024 Daishi Hokuetsu Financial Group, Inc. announced that they will report Q1, 2025 results on Jul 26, 2024 Reported Earnings • May 14
Full year 2024 earnings released: EPS: JP¥475 (vs JP¥392 in FY 2023) Full year 2024 results: EPS: JP¥475 (up from JP¥392 in FY 2023). Revenue: JP¥143.7b (up 11% from FY 2023). Net income: JP¥21.2b (up 19% from FY 2023). Profit margin: 15% (in line with FY 2023). Over the last 3 years on average, earnings per share has increased by 22% per year whereas the company’s share price has increased by 25% per year. Announcement • May 12
Daishi Hokuetsu Financial Group, Inc., Annual General Meeting, Jun 25, 2024 Daishi Hokuetsu Financial Group, Inc., Annual General Meeting, Jun 25, 2024. Announcement • Mar 21
Daishi Hokuetsu Financial Group, Inc. to Report Fiscal Year 2024 Results on May 10, 2024 Daishi Hokuetsu Financial Group, Inc. announced that they will report fiscal year 2024 results on May 10, 2024 Upcoming Dividend • Mar 21
Upcoming dividend of JP¥70.00 per share Eligible shareholders must have bought the stock before 28 March 2024. Payment date: 03 June 2024. Payout ratio is a comfortable 26% and this is well supported by cash flows. Trailing yield: 2.8%. Lower than top quartile of Japanese dividend payers (3.2%). In line with average of industry peers (2.9%). Announcement • Jan 29
Daishi Hokuetsu Financial Group, Inc. (TSE:7327) announces an Equity Buyback for 200,000 shares, representing 0.44% for ¥500 million. Daishi Hokuetsu Financial Group, Inc. (TSE:7327) announces a share repurchase program. Under the program, the company will repurchase up to 200,000 shares, representing 0.44% of its issued share capital (excluding treasury stock), for a total purchase price of ¥500 million. The purpose of the program is to provide stable profit returns to shareholders and improve capital efficiency. The program will run until March 22, 2024. As of December 31, 2023, the company had 45,329,869 issued shares (excluding treasury stock) and 613,109 treasury shares. Reported Earnings • Jan 27
Third quarter 2024 earnings released: EPS: JP¥110 (vs JP¥61.91 in 3Q 2023) Third quarter 2024 results: EPS: JP¥110 (up from JP¥61.91 in 3Q 2023). Revenue: JP¥39.3b (up 30% from 3Q 2023). Net income: JP¥4.93b (up 75% from 3Q 2023). Profit margin: 13% (up from 9.3% in 3Q 2023). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 25% per year whereas the company’s share price has increased by 23% per year. Announcement • Dec 24
Daishi Hokuetsu Financial Group, Inc. to Report Q3, 2024 Results on Jan 26, 2024 Daishi Hokuetsu Financial Group, Inc. announced that they will report Q3, 2024 results on Jan 26, 2024 Reported Earnings • Nov 11
Second quarter 2024 earnings released: EPS: JP¥65.28 (vs JP¥91.60 in 2Q 2023) Second quarter 2024 results: EPS: JP¥65.28 (down from JP¥91.60 in 2Q 2023). Revenue: JP¥40.6b (up 23% from 2Q 2023). Net income: JP¥2.94b (down 29% from 2Q 2023). Profit margin: 7.2% (down from 13% in 2Q 2023). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 25% per year whereas the company’s share price has increased by 22% per year. Announcement • Sep 24
Daishi Hokuetsu Financial Group, Inc. to Report Q2, 2024 Results on Nov 10, 2023 Daishi Hokuetsu Financial Group, Inc. announced that they will report Q2, 2024 results on Nov 10, 2023 Upcoming Dividend • Sep 21
Upcoming dividend of JP¥70.00 per share at 3.3% yield Eligible shareholders must have bought the stock before 28 September 2023. Payment date: 01 December 2023. Payout ratio is a comfortable 27% but the company is not cash flow positive. Trailing yield: 3.3%. Within top quartile of Japanese dividend payers (3.3%). In line with average of industry peers (3.2%). Buying Opportunity • Aug 09
Now 21% undervalued Over the last 90 days, the stock is up 16%. The fair value is estimated to be JP¥4,422, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has been flat over the last 3 years. Earnings per share has grown by 25%. Reported Earnings • Jul 29
First quarter 2024 earnings released: EPS: JP¥242 (vs JP¥181 in 1Q 2023) First quarter 2024 results: EPS: JP¥242 (up from JP¥181 in 1Q 2023). Revenue: JP¥40.8b (up 9.3% from 1Q 2023). Net income: JP¥10.9b (up 32% from 1Q 2023). Profit margin: 27% (up from 22% in 1Q 2023). The increase in margin was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 25% per year whereas the company’s share price has increased by 21% per year. Announcement • Jun 22
Daishi Hokuetsu Financial Group, Inc. to Report Q1, 2024 Results on Jul 28, 2023 Daishi Hokuetsu Financial Group, Inc. announced that they will report Q1, 2024 results on Jul 28, 2023 Announcement • May 12
Daishi Hokuetsu Financial Group, Inc., Annual General Meeting, Jun 27, 2023 Daishi Hokuetsu Financial Group, Inc., Annual General Meeting, Jun 27, 2023. Buying Opportunity • Apr 06
Now 20% undervalued Over the last 90 days, the stock is up 1.3%. The fair value is estimated to be JP¥3,595, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has been flat over the last 3 years. Earnings per share has grown by 17%. Upcoming Dividend • Mar 23
Upcoming dividend of JP¥60.00 per share at 4.2% yield Eligible shareholders must have bought the stock before 30 March 2023. Payment date: 01 June 2023. Payout ratio is a comfortable 29% but the company is not cash flow positive. Trailing yield: 4.2%. Within top quartile of Japanese dividend payers (3.6%). In line with average of industry peers (4.0%). Buying Opportunity • Mar 14
Now 21% undervalued Over the last 90 days, the stock is up 12%. The fair value is estimated to be JP¥3,572, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has been flat over the last 3 years. Earnings per share has grown by 17%. Reported Earnings • Jan 28
Third quarter 2023 earnings released: EPS: JP¥61.91 (vs JP¥83.14 in 3Q 2022) Third quarter 2023 results: EPS: JP¥61.91 (down from JP¥83.14 in 3Q 2022). Revenue: JP¥36.8b (up 23% from 3Q 2022). Net income: JP¥2.81b (down 26% from 3Q 2022). Profit margin: 7.6% (down from 13% in 3Q 2022). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 17% per year but the company’s share price has only increased by 2% per year, which means it is significantly lagging earnings growth. Buying Opportunity • Jan 17
Now 21% undervalued Over the last 90 days, the stock is up 7.1%. The fair value is estimated to be JP¥3,623, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has been flat over the last 3 years. Earnings per share has grown by 15%. Announcement • Dec 22
Daishi Hokuetsu Financial Group, Inc. to Report Q3, 2023 Results on Jan 27, 2023 Daishi Hokuetsu Financial Group, Inc. announced that they will report Q3, 2023 results on Jan 27, 2023 Reported Earnings • Nov 16
Second quarter 2023 earnings released: EPS: JP¥91.60 (vs JP¥71.15 in 2Q 2022) Second quarter 2023 results: EPS: JP¥91.60 (up from JP¥71.15 in 2Q 2022). Revenue: JP¥38.4b (up 25% from 2Q 2022). Net income: JP¥4.16b (up 28% from 2Q 2022). Profit margin: 11% (in line with 2Q 2022). Over the last 3 years on average, earnings per share has increased by 15% per year but the company’s share price has fallen by 4% per year, which means it is significantly lagging earnings. Reported Earnings • Nov 13
Second quarter 2023 earnings released: EPS: JP¥91.60 (vs JP¥71.15 in 2Q 2022) Second quarter 2023 results: EPS: JP¥91.60 (up from JP¥71.15 in 2Q 2022). Revenue: JP¥38.4b (up 25% from 2Q 2022). Net income: JP¥4.16b (up 28% from 2Q 2022). Profit margin: 11% (in line with 2Q 2022). Over the last 3 years on average, earnings per share has increased by 15% per year but the company’s share price has fallen by 4% per year, which means it is significantly lagging earnings. Upcoming Dividend • Sep 22
Upcoming dividend of JP¥60.00 per share Eligible shareholders must have bought the stock before 29 September 2022. Payment date: 01 December 2022. Payout ratio is a comfortable 29% and this is well supported by cash flows. Trailing yield: 4.4%. Within top quartile of Japanese dividend payers (3.7%). In line with average of industry peers (4.4%). Announcement • Sep 09
Daishi Hokuetsu Financial Group, Inc. to Report Q2, 2023 Results on Nov 11, 2022 Daishi Hokuetsu Financial Group, Inc. announced that they will report Q2, 2023 results on Nov 11, 2022 Reported Earnings • Jul 31
First quarter 2023 earnings released: EPS: JP¥181 (vs JP¥95.35 in 1Q 2022) First quarter 2023 results: EPS: JP¥181 (up from JP¥95.35 in 1Q 2022). Revenue: JP¥41.0b (up 31% from 1Q 2022). Net income: JP¥8.21b (up 88% from 1Q 2022). Profit margin: 20% (up from 14% in 1Q 2022). The increase in margin was driven by higher revenue. Announcement • Jun 25
Daishi Hokuetsu Financial Group, Inc. to Report Q1, 2023 Results on Jul 29, 2022 Daishi Hokuetsu Financial Group, Inc. announced that they will report Q1, 2023 results on Jul 29, 2022 Announcement • May 15
Daishi Hokuetsu Financial Group, Inc., Annual General Meeting, Jun 24, 2022 Daishi Hokuetsu Financial Group, Inc., Annual General Meeting, Jun 24, 2022. Announcement • Apr 08
Daishi Hokuetsu Financial Group, Inc. to Report Fiscal Year 2022 Results on May 13, 2022 Daishi Hokuetsu Financial Group, Inc. announced that they will report fiscal year 2022 results on May 13, 2022 Upcoming Dividend • Mar 23
Upcoming dividend of JP¥60.00 per share Eligible shareholders must have bought the stock before 30 March 2022. Payment date: 01 June 2022. Payout ratio is a comfortable 40% and this is well supported by cash flows. Trailing yield: 4.4%. Within top quartile of Japanese dividend payers (3.4%). In line with average of industry peers (4.0%). Reported Earnings • Jan 30
Third quarter 2022 earnings: Revenues and EPS in line with analyst expectations Third quarter 2022 results: EPS: JP¥83.14 (up from JP¥39.57 in 3Q 2021). Revenue: JP¥38.3b (up 24% from 3Q 2021). Net income: JP¥3.78b (up 109% from 3Q 2021). Profit margin: 9.9% (up from 5.8% in 3Q 2021). The increase in margin was driven by higher revenue. Revenue was in line with analyst estimates. Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 71 percentage points per year, which is a significant difference in performance. Upcoming Dividend • Sep 22
Upcoming dividend of JP¥60.00 per share Eligible shareholders must have bought the stock before 29 September 2021. Payment date: 01 December 2021. Trailing yield: 4.7%. Within top quartile of Japanese dividend payers (3.0%). In line with average of industry peers (4.3%). Reported Earnings • Aug 03
First quarter 2022 earnings released: EPS JP¥95.35 (vs JP¥55.18 in 1Q 2021) The company reported a strong first quarter result with improved earnings, revenues and profit margins. First quarter 2022 results: Revenue: JP¥34.4b (up 8.9% from 1Q 2021). Net income: JP¥4.36b (up 73% from 1Q 2021). Profit margin: 13% (up from 8.0% in 1Q 2021). The increase in margin was driven by higher revenue. Reported Earnings • May 17
Full year 2021 earnings released: EPS JP¥236 (vs JP¥282 in FY 2020) The company reported a soft full year result with weaker earnings and profit margins, although revenues improved. Full year 2021 results: Revenue: JP¥136.9b (up 2.7% from FY 2020). Net income: JP¥10.8b (down 16% from FY 2020). Profit margin: 7.9% (down from 9.7% in FY 2020). The decrease in margin was driven by higher expenses. Upcoming Dividend • Mar 23
Upcoming dividend of JP¥60.00 per share Eligible shareholders must have bought the stock before 30 March 2021. Payment date: 01 June 2021. Trailing yield: 4.2%. Within top quartile of Japanese dividend payers (2.7%). Higher than average of industry peers (3.8%). Is New 90 Day High Low • Mar 02
New 90-day high: JP¥2,422 The company is up 1.0% from its price of JP¥2,401 on 02 December 2020. The Japanese market is up 7.0% over the last 90 days, indicating the company underperformed over that time. It also underperformed the Banks industry, which is up 17% over the same period. Reported Earnings • Feb 06
Third quarter 2021 earnings released: EPS JP¥39.57 (vs JP¥72.34 in 3Q 2020) The company reported a soft third quarter result with weaker earnings and profit margins, although revenues improved. Third quarter 2021 results: Revenue: JP¥39.5b (up 29% from 3Q 2020). Net income: JP¥1.81b (down 45% from 3Q 2020). Profit margin: 4.6% (down from 11% in 3Q 2020). The decrease in margin was driven by higher expenses. 