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Kyushu Financial Group, Inc. (7180.T)

JPY1,571.00 +28.00 (+1.81%)
JP JPX Financial Services Banks - Regional
Address 1, Renpeicho 860-0017
Kumamoto, JP
CEO Yoshihisa Kasahara
IPO 2015-10-02
ISIN JP3246500007

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Description

Kyushu Financial Group, Inc., operating through its numerous subsidiaries, offers a comprehensive range of financial services to customers across Japan. Its business activities are structured around two main segments: Banking and Leasing. The group's core services include deposit products, securities investment management, and both domestic and international foreign exchange transactions. Furthermore, KFG facilitates over-the-counter sales of government and other public bonds, investment trusts, and insurance policies, in addition to providing trust services. Beyond these, the company also delivers credit card services, outsourced computing and software development, and credit guarantees. Its operations also encompass extensive leasing and lending activities, along with participation in the broader financial instruments market. Kyushu Financial Group, Inc. was established in 2015 and maintains its corporate headquarters in Kumamoto, Japan.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
JPY1,571.00 +28.00 (+1.81%)
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Volume Profile
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Liquidity & share structure
Average Volume
1M
Beta
0.31
Float Shares
270.37M
Free Float %
63.8%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
-3.32% +8.68% +4.22% +6.74% +53.73% +31.27% +91.14% +162.55% +224.76% +155.69% +52.62%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
1,571.00
DCF (Unlevered) 7,409.22 +371.6%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM) 50% Bullish
Rating 2026-05 Change
Strong Buy 1 0
Buy 0 0
Hold 1 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
0.21
Distress
Piotroski F-Score
6 / 9
Average
Composite Rating
C+
Overall Score
2 / 5
Medium
DCF Score
1 / 5
Low
ROE Score
2 / 5
Medium
ROA Score
2 / 5
Medium
D/E Score
1 / 5
Low
P/E Score
2 / 5
Medium
P/Book Score
4 / 5
High
Operational MOAT
  • Revenue growth
    +4.1% Q1'26: -14.2% (vs Q1'25)
  • EPS growth
    +24.7% Q1'26: -27.3% (vs Q1'25)
  • FCF margin
    Q1'26: +0.0% (vs Q1'25)
  • EBIT margin
    Q1'26: +13.1% (vs Q1'25)
  • ROIC
    Q1'26: +3.2% (vs Q1'25)
  • Share dilution
    -0.5% Q1'26: -2.2% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 44.53× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.01) × ERP
WACC = 26% × Ke + 74% × Kd (4.3%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 7,480.29 Current price: 1,571.00
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Mar 2016
actual
Mar 2017
actual
Mar 2018
actual
Mar 2019
actual
Mar 2020
actual
Mar 2021
actual
Mar 2022
actual
Mar 2023
actual
Mar 2024
actual
Mar 2025
actual
Mar 2026
1 Rev. Ana.
2 EPS Ana.
Mar 2027
1 Rev. Ana.
2 EPS Ana.
Mar 2028
1 Rev. Ana.
2 EPS Ana.
Mar 2029
1 Rev. Ana.
1 EPS Ana.
Mar 2030
1 Rev. Ana.
1 EPS Ana.
Revenue
312.71B
est: 125.50B (+149.2%)
166.65B
est: 162.50B (+2.6%)
161.90B
est: 164.65B (-1.7%)
165.22B
est: 168.50B (-1.9%)
159.24B
est: 103.80B (+53.4%)
173.78B
est: 140.20B (+24.0%)
179.75B
est: 143.80B (+25.0%)
208.86B
est: 211.00B (-1.0%)
218.93B
est: 187.33B (+16.9%)
248.12B
est: 107.50B (+130.8%)
280.60B
280.60B – 280.60B
+161.0% YoY
295.40B
295.40B – 295.40B
+5.3% YoY
306.10B
306.10B – 306.10B
+3.6% YoY
154.70B
154.70B – 154.70B
-49.5% YoY
157.10B
157.10B – 157.10B
+1.6% YoY
EBITDA
125.45B
est: 25.28B (+396.2%)
28.99B
est: 32.74B (-11.4%)
36.90B
est: 33.17B (+11.2%)
40.58B
est: 33.95B (+19.5%)
35.17B
est: 20.91B (+68.2%)
29.50B
est: 28.25B (+4.4%)
32.04B
est: 28.97B (+10.6%)
44.20B
est: 42.51B (+4.0%)
47.22B
est: 58.27B (-19.0%)
52.49B
est: 33.44B (+56.9%)
87.29B
87.29B – 87.29B
+161.0% YoY
91.89B
91.89B – 91.89B
+5.3% YoY
95.22B
95.22B – 95.22B
+3.6% YoY
48.12B
48.12B – 48.12B
-49.5% YoY
48.87B
48.87B – 48.87B
+1.6% YoY
EBIT
117.98B
est: 19.72B (+498.3%)
20.98B
est: 25.53B (-17.8%)
29.22B
est: 25.87B (+12.9%)
33.37B
est: 26.47B (+26.0%)
26.81B
est: 16.31B (+64.4%)
21.40B
est: 22.03B (-2.8%)
23.64B
est: 22.59B (+4.6%)
35.40B
est: 33.15B (+6.8%)
37.95B
est: 52.53B (-27.7%)
42.78B
est: 30.14B (+41.9%)
78.68B
78.68B – 78.68B
+161.0% YoY
82.83B
82.83B – 82.83B
+5.3% YoY
85.83B
85.83B – 85.83B
+3.6% YoY
43.38B
43.38B – 43.38B
-49.5% YoY
44.05B
44.05B – 44.05B
+1.6% YoY
Net Income
108.47B
est: 136.93B (-20.8%)
14.60B
est: 14.19B (+2.9%)
19.40B
est: 20.94B (-7.4%)
22.20B
est: 21.63B (+2.6%)
18.26B
est: 20.94B (-12.8%)
15.01B
est: 17.41B (-13.8%)
16.66B
est: 17.58B (-5.3%)
24.67B
est: 24.92B (-1.0%)
26.39B
est: 23.38B (+12.9%)
30.37B
est: 29.26B (+3.8%)
36.55B
35.86B – 37.30B
+24.9% YoY
42.69B
42.63B – 42.75B
+16.8% YoY
48.20B
44.90B – 49.60B
+12.9% YoY
52.63B
52.63B – 52.63B
+9.2% YoY
53.06B
53.06B – 53.06B
+0.8% YoY
SGA
est: 48.75B (-100.0%)
est: 63.13B (-100.0%)
est: 63.96B (-100.0%)
est: 65.46B (-100.0%)
est: 40.32B (-100.0%)
est: 54.46B (-100.0%)
40.25B
est: 55.86B (-27.9%)
39.26B
est: 81.97B (-52.1%)
41.52B
est: 28.69B (+44.7%)
40.75B
est: 16.46B (+147.5%)
42.98B
42.98B – 42.98B
+161.0% YoY
45.24B
45.24B – 45.24B
+5.3% YoY
46.88B
46.88B – 46.88B
+3.6% YoY
23.69B
23.69B – 23.69B
-49.5% YoY
24.06B
24.06B – 24.06B
+1.6% YoY
EPS
316.70
est: 316.50 (+0.1%)
32.12
est: 32.80 (-2.1%)
42.67
est: 48.40 (-11.8%)
49.13
est: 49.99 (-1.7%)
40.70
est: 48.40 (-15.9%)
34.13
est: 40.25 (-15.2%)
38.07
est: 40.63 (-6.3%)
57.02
est: 57.60 (-1.0%)
61.01
est: 54.32 (+12.3%)
70.19
est: 68.00 (+3.2%)
85.00
83.33 – 86.67
+25.0% YoY
99.20
99.05 – 99.35
+16.7% YoY
109.80
104.34 – 115.26
+10.7% YoY
122.30
122.30 – 122.30
+11.4% YoY
123.30
123.30 – 123.30
+0.8% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-15 C+ 2/5 1/5 2/5 2/5 1/5 2/5 4/5
2026-05-14 C+ 2/5 1/5 2/5 2/5 1/5 3/5 4/5
2026-05-13 C+ 2/5 1/5 2/5 2/5 1/5 3/5 4/5
2026-05-12 C+ 2/5 1/5 2/5 2/5 1/5 3/5 4/5
2026-05-11 C+ 2/5 1/5 2/5 2/5 1/5 3/5 4/5
2026-05-08 C+ 2/5 1/5 2/5 2/5 1/5 3/5 4/5
2026-05-07 C+ 2/5 1/5 2/5 2/5 1/5 3/5 4/5
2026-05-01 B- 2/5 1/5 2/5 3/5 1/5 3/5 4/5
2026-04-30 B- 2/5 1/5 2/5 3/5 1/5 3/5 4/5
2026-04-28 B- 2/5 1/5 2/5 3/5 1/5 3/5 4/5
2026-04-27 B- 2/5 1/5 2/5 3/5 1/5 3/5 4/5
2026-04-24 B- 2/5 1/5 2/5 3/5 1/5 3/5 4/5
2026-04-23 B- 3/5 1/5 3/5 3/5 1/5 3/5 4/5
2026-04-22 B- 3/5 1/5 3/5 3/5 1/5 3/5 4/5
2026-04-21 B 3/5 1/5 3/5 4/5 1/5 3/5 4/5
2026-04-20 B 3/5 1/5 3/5 4/5 1/5 3/5 4/5
2026-04-17 B 3/5 1/5 3/5 4/5 1/5 3/5 4/5
2026-04-16 B 3/5 1/5 3/5 4/5 1/5 3/5 4/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
5.30B
OE per share TTM
12.24
Owner's Yield
0.88%
Maintenance CapEx ratio
22.57%
Maint CapEx / Avg PPE
56.0%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock Held by 97 ETFs in our universe
# ETF Weight Est. AUM exposure TER
1 WisdomTree Japan SmallCap Dividend Fund DFJ 0.42% 1.60M 0.58%
2 iShares MSCI Japan Small Cap UCITS ETF IDJP.L 0.23% 1.31M 0.58%
3 Dimensional - International Small Cap Value ETF DISV 0.23% 10.91M 0.42%
4 iShares MSCI Japan Small-Cap ETF SCJ 0.23% 587.8K 0.50%
5 WisdomTree International SmallCap Dividend Fund DLS 0.17% 1.73M 0.58%
6 WisdomTree Dynamic International SmallCap Equity ETF DDLS 0.16% 689.3K 0.48%
7 Dimensional - International Small Cap ETF DFIS 0.14% 7.96M 0.39%
8 Avantis International Small Cap Equity ETF AVDS 0.13% 404.9K 0.30%
9 iShares International Small-Cap Equity Factor ETF ISCF 0.13% 816.7K 0.24%
10 Vanguard Global Value Equity Active ETF VVLU.AX 0.08% 749.7K 0.28%

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
11.73M
Shares Outstanding
423.56M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Yoshihisa Kasahara President & Representative Director 84M male
Koichi Ichitsubo Managing Executive Officer & Director
Riichiro Tada Senior Managing Executive Officer & Director
Ryoji Tanabe Executive Officer, GM of Compliance & Risk Management Division and Head of CR Division male
Sachiko Kitamura Managing Executive Officer & Director
Hiroki Katsume Senior Executive Officer & GM of the Audit Department
Shinichi Yamakata Senior Managing Executive Officer & Director male
Takahiro Yoshimitsu Executive Officer of Public Relations & Investor Relations Department
Yasuhiro Hamada Senior Executive Officer & GM of Corporate Planning Department
Yoshihiro Koyamada Executive Officer & Head of Business Strategy Department
Satoko Nawata Senior Executive Officer, GM of Human Resources & General Affairs Department
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits