Breaking Down Juroku Financial Group,Inc. Financial Health: Key Insights for Investors

Curious whether Juroku Financial Group, Inc. (7380.T) is a value play or a conservative regional bank to hold? The company posted fiscal-year revenue of ¥125.00 billion (FY ending Mar 31, 2025) with trailing twelve‑months revenue at ¥128.16 billion (TTM to Jun 30, 2025) and quarterly revenue of ¥32.16 billion-while market participants value the firm at ¥224.58 billion (market cap as of Dec 12, 2025) on a stock price of ¥6,550-backed by an EPS of ¥574.03 (TTM to Mar 31, 2025) and a modest P/E of 9.34; liquidity and balance‑sheet dynamics show cash and equivalents of ¥973.9 billion versus total debt of ¥565.5 billion, operating cash flow of ¥35.0 billion, a P/S of 1.59 and P/B of 0.50, a dividend hike to ¥100.00 per share (≈3.10% yield) and a ¥3,000 million buyback for 500,000 shares-read on to unpack revenue growth, profitability, capital adequacy, valuation, risks from Japan's low‑rate environment and demographic headwinds, plus the fee‑income and consolidation opportunities that could shape its next chapter.

Juroku Financial Group,Inc. (7380.T) Revenue Analysis

• Fiscal year revenue (FY ended Mar 31, 2025): ¥125.00 billion - +2.95% year-over-year.
• Trailing twelve months (TTM to Jun 30, 2025): ¥128.16 billion - +5.83% YoY.
• Quarterly revenue (quarter ended Jun 30, 2025): ¥32.16 billion - +10.89% YoY for the quarter.
• Revenue per employee: ≈ ¥53.99 million (2,374 employees as of Mar 31, 2025).
• Price-to-Sales (P/S) ratio: 1.59 - moderate valuation relative to revenue.
• Market capitalization (Dec 12, 2025): ¥224.58 billion; stock price: ¥6,550.00.

• The acceleration from FY +2.95% to TTM +5.83% suggests improving revenue trends into 2025 driven by stronger quarterly performance.
• A 10.89% YoY jump in the June quarter indicates seasonally or operationally stronger collections, lending spreads, or fee income in that quarter.
• Revenue per employee (¥53.99M) reflects operational efficiency benchmarks useful when comparing regional peers.
• P/S of 1.59 and a market cap of ¥224.58 billion contextualize valuation - investors should compare against Japanese regional bank peers and interest-rate sensitivity.

Juroku Financial Group,Inc. (7380.T) - Profitability Metrics

Key profitability indicators for Juroku Financial Group,Inc. (7380.T) for the fiscal period ending March 31, 2025, show solid earnings, a shareholder-friendly dividend increase, and diversified income sources from core banking activities and fee-based services. Below are the primary metrics investors commonly track.

• EPS of ¥574.03 yields a relatively low P/E of 9.34, suggesting valuation is modest relative to earnings.
• Net income growth of 7.88% indicates continued profitability expansion year-over-year.
• The dividend increase to ¥100.00 per share reflects a commitment to shareholder returns and supports the ~3.10% yield at the stated price.

Profit composition:

• Core net interest income predominantly from the loan book and deposit base.
• Fee and commission income from asset management and insurance operations provide diversification and help stabilize earnings against interest-rate cycles.

For broader corporate context, history, ownership and how the group generates revenue, see: Juroku Financial Group,Inc.: History, Ownership, Mission, How It Works & Makes Money

Juroku Financial Group,Inc. (7380.T) - Debt vs. Equity Structure

• Total debt-to-equity ratio: not specified in available disclosures.
• Capital adequacy ratio: 5.5% (indicating conservative leverage management relative to regulatory standards).
• Equity buyback program: 500,000 shares (1.32% of share capital) for ¥3,000 million.
• Market capitalization (12 Dec 2025): ¥224.58 billion; stock price: ¥6,550.00.
• Equity base supported by a stable deposit base and conservative underwriting practices; debt load actively monitored for regulatory compliance.

• Implication for investors: the buyback signals management confidence and returns capital to shareholders while the modest capital adequacy ratio and unspecified debt/equity metric warrant monitoring of leverage trends and regulatory capital changes.
• Key focus areas going forward: published debt/equity disclosure, trends in capital adequacy, and execution/impact of the ¥3,000 million buyback on book value per share.

Juroku Financial Group,Inc. (7380.T) - Liquidity and Solvency

• Cash and cash equivalents: ¥973.9 billion
• Total debt: ¥565.5 billion
• Net cash position (Cash - Debt): ¥408.4 billion
• Capital adequacy ratio: 5.5%
• Operating cash flow: ¥35.0 billion

• High cash reserves relative to debt (debt ≈ 58.1% of cash) reduce refinancing and liquidity risk.
• Positive net cash of ¥408.4 billion provides flexibility for capital allocation (M&A, buybacks, dividend support).
• Operating cash flow of ¥35.0 billion signals steady cash generation from operations to service obligations and fund growth.
• Capital adequacy at 5.5% suggests conservative leverage but warrants monitoring relative to regulatory benchmarks and peer banks.

Juroku Financial Group,Inc. (7380.T) - Valuation Analysis

Key valuation metrics for the trailing twelve months (TTM) ending March 31, 2025, and market data as of December 12, 2025, provide a snapshot of how the market prices Juroku Financial Group,Inc. (7380.T) relative to earnings, sales and book value.

• Price-to-Earnings (P/E, TTM): 9.34 - a moderate valuation that implies the market is paying ¥9.34 for every ¥1 of reported earnings.
• Price-to-Sales (P/S): 1.59 - indicates a moderate multiple on revenue, suggesting revenue is valued but not richly priced.
• Price-to-Book (P/B): 0.50 - the stock trades at roughly half of its book value, signaling a discount to accounting equity.
• Earnings Per Share (EPS, TTM): ¥574.03.
• Dividend Yield: ~3.10% (based on stock price ¥6,550.00 as of Dec 12, 2025).

Interpretive points for investors:

• At a P/E of 9.34, the stock trades below many global bank/financial peers that often trade at higher earnings multiples, suggesting either a value opportunity or market concerns priced in.
• The P/B of 0.50 signals the market values the company below its accounting equity - a classic value-screen flag that warrants balance-sheet quality checks and asset-liability scrutiny.
• P/S of 1.59 shows revenues are valued modestly; combining P/S with EPS and margin trends helps assess whether earnings are sustainable or cyclical.
• A 3.10% dividend yield provides income-oriented appeal, but investors should compare payout ratio and dividend coverage against EPS (¥574.03 TTM) to gauge sustainability.

For background on Juroku Financial Group,Inc.'s business model, history and ownership structure, see: Juroku Financial Group,Inc.: History, Ownership, Mission, How It Works & Makes Money

Juroku Financial Group,Inc. (7380.T) - Risk Factors

• Ultra-low interest rate environment

• Demographic decline and aging population

• Shrinking retail customer base and deposit growth
• Lower credit demand for mortgages and business lending

• Regulatory and Basel III compliance

• Competition from megabanks and digital entrants

• Profitability and earnings growth pressure

• Regional focus and limited scalability

• Credit and concentration risks

Juroku Financial Group,Inc. (7380.T) Growth Opportunities

Juroku Financial Group,Inc. (7380.T) combines a long heritage (founded 1877) with a regional banking footprint that supports multiple strategic growth vectors. Below are the core opportunities and supporting data points that investors should weigh when assessing the company's future earnings potential and risk profile.

• Expansion of fee-based services and digital transformation

Fee income and non-interest revenues are increasingly important as interest margins compress. Recent company disclosures and market activity point to a rising contribution from fees and commissions, driven by wealth management, FX execution services, and corporate advisory to SMEs. Management guidance and capital planning indicate targeted investments in digital platforms to increase cross-sell and reduce operating costs.

• Potential consolidation in Japan's regional banking sector

Regional consolidation remains a structural trend. Juroku Financial Group's scale, balance sheet strength and local SME relationships position it both as an acquirer and attractive consolidation target partner. Consolidation could unlock synergies in back-office operations, risk management and product distribution.

• Diversified product portfolio as a one-stop financial solution

The group's product mix spans deposit-taking, traditional lending, SME financing, corporate FX, asset management and advisory. This breadth reduces dependence on net interest income and supports cross-selling: management materials indicate SME lending accounts for roughly 40% of the loan book while wealth and investment products are growing as a share of customer revenues.

• Trust and longevity: history since 1877

Operating since 1877, Juroku benefits from deep local brand recognition and long-standing client relationships-an intangible asset that supports deposit stability and SME lending relationships, particularly in Gifu and surrounding prefectures.

• Niche strengths: SME financing and forex services

Juroku's focused SME lending, combined with specialty FX and trade finance services, creates resilience in a crowded retail-deposit market. SME lending tends to generate higher fee income per client and longer relationship-term value, which supports margins and customer retention despite competitive pressure on rates.

• Stable deposit base and conservative underwriting

Key balance-sheet and risk metrics that underpin resilience:

For background on corporate history, ownership structure and how the group generates revenue, see: Juroku Financial Group,Inc.: History, Ownership, Mission, How It Works & Makes Money