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Suruga Bank Ltd. (8358.T)

JPY2,761.00 +111.00 (+4.19%)
JP JPX Financial Services Banks - Regional
Address 23 Toriyoko-cho 410-8689
Numazu, JP
CEO Kosuke Kato
IPO 2001-01-01
ISIN JP3411000007

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Also trades on Other OTC · SUGBY (USD) Tokyo Stock Exchange · 8358.T (JPY)
Description

Based in Japan, Suruga Bank Ltd. offers a comprehensive suite of banking and financial solutions tailored for both retail and corporate clients. Its core services include a diverse range of deposit accounts, encompassing time deposits, standard savings, foreign currency accounts, and current and general checking facilities. Loan products vary widely, from housing, second home, resort, startup, project assistance, and business term loans, as well as purpose-specific lending. The bank also issues credit and debit cards and provides overdraft facilities and other financing solutions. Beyond core banking, its extensive service portfolio encompasses wealth management products like investment trusts and public bonds, pension contribution plans, insurance, and inheritance/trust services. Customers can also access lottery services, foreign currency exchange reservations, convenient payment options like Pay-easy, web-based oral receipts, and safe deposit boxes. International services include foreign remittances and external linkage, while fund management and e-combination tools are available. Specialized offerings include factoring for nursing care, medical care, and dispensing compensation receivables, alongside mortgage advisory, and convenient internet and telephone banking. Furthermore, the company extends its operations into non-banking sectors, providing services such as staffing solutions, money lending and credit guarantees, mortgage loan guarantees, printing, bookbinding, packaging and shipping, leasing, and specialized clerical agency and system engineering support. The bank maintains a network of 128 branches strategically located across Japan. Established in 1895, its headquarters are situated in Numazu, 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
JPY2,761.00 +111.00 (+4.19%)
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Volume Profile
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Liquidity & share structure
Average Volume
829.6K
Beta
0.56
Float Shares
95.94M
Free Float %
56.2%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
-0.56% +5.54% +1.44% +13.04% +50.84% +34.67% +80.08% +376.02% +480.75% +8.81% +121.03%
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
2,761.00
DCF (Unlevered) 8,247.75 +198.7%
DCF (Levered) 6,154.23 +122.9%

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 0 0
Buy 2 0
Hold 2 -1
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
0.40
Distress
Piotroski F-Score
4 / 9
Average
Composite Rating
B
Overall Score
3 / 5
Medium
DCF Score
5 / 5
High
ROE Score
3 / 5
Medium
ROA Score
3 / 5
Medium
D/E Score
1 / 5
Low
P/E Score
2 / 5
Medium
P/Book Score
3 / 5
Medium
Operational MOAT
  • Revenue growth
    +15.3% Q1'26: -4.1% (vs Q1'25)
  • EPS growth
    +85.9% Q1'26: +546.6% (vs Q1'25)
  • FCF margin
    Q1'26: +0.0% (vs Q1'25)
  • EBIT margin
    Q1'26: +50.6% (vs Q1'25)
  • ROIC
    Q1'26: -32.7% (vs Q1'25)
  • Share dilution
    -4.8% Q1'26: -7.6% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 0.00× (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 (0.54) × ERP
WACC = 100% × Ke + 0% × Kd (7,971.9%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 8,247.75 Current price: 2,761.00
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 2015
actual
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
2 Rev. Ana.
1 EPS Ana.
Mar 2027
2 Rev. Ana.
2 EPS Ana.
Mar 2028
2 Rev. Ana.
3 EPS Ana.
Mar 2029
1 Rev. Ana.
1 EPS Ana.
Mar 2030
1 Rev. Ana.
1 EPS Ana.
Revenue
122.96B
est: 106.91B (+15.0%)
133.02B
est: 119.27B (+11.5%)
142.76B
est: 117.13B (+21.9%)
148.58B
est: 124.40B (+19.4%)
132.40B
est: 111.98B (+18.2%)
91.29B
est: 89.63B (+1.9%)
88.37B
est: 77.27B (+14.4%)
80.42B
est: 68.90B (+16.7%)
62.08B
est: 56.40B (+10.1%)
67.99B
est: 77.13B (-11.9%)
73.98B
est: 57.75B (+28.1%)
91.00B
87.74B – 94.26B
+57.6% YoY
100.90B
99.35B – 102.45B
+10.9% YoY
106.60B
103.40B – 109.80B
+5.6% YoY
113.80B
111.20B – 116.40B
+6.8% YoY
122.80B
119.99B – 125.61B
+7.9% YoY
EBITDA
58.32B
est: 35.86B (+62.6%)
62.30B
est: 40.01B (+55.7%)
67.01B
est: 39.29B (+70.5%)
17.19B
est: 41.73B (-58.8%)
-68.07B
est: 37.56B (-281.2%)
38.33B
est: 30.07B (+27.5%)
28.43B
est: 25.92B (+9.7%)
14.83B
est: 23.11B (-35.8%)
17.60B
est: 18.92B (-7.0%)
24.80B
est: 26.38B (-6.0%)
30.80B
est: 19.75B (+55.9%)
31.12B
30.01B – 32.24B
+57.6% YoY
34.51B
33.98B – 35.04B
+10.9% YoY
36.46B
35.37B – 37.55B
+5.6% YoY
38.92B
38.03B – 39.81B
+6.8% YoY
42.00B
41.04B – 42.96B
+7.9% YoY
EBIT
52.36B
est: 27.04B (+93.6%)
55.91B
est: 30.17B (+85.3%)
60.06B
est: 29.63B (+102.7%)
10.11B
est: 31.46B (-67.9%)
-75.06B
est: 28.32B (-365.0%)
31.86B
est: 22.67B (+40.5%)
22.77B
est: 19.54B (+16.5%)
9.06B
est: 17.43B (-48.0%)
12.04B
est: 14.27B (-15.6%)
19.48B
est: 20.68B (-5.8%)
24.72B
est: 15.48B (+59.6%)
24.40B
23.53B – 25.27B
+57.6% YoY
27.05B
26.64B – 27.47B
+10.9% YoY
28.58B
27.73B – 29.44B
+5.6% YoY
30.51B
29.82B – 31.21B
+6.8% YoY
32.93B
32.17B – 33.68B
+7.9% YoY
Net Income
32.89B
est: 23.87B (+37.8%)
36.72B
est: 29.23B (+25.6%)
42.63B
est: 32.06B (+32.9%)
6.99B
est: 29.95B (-76.7%)
-97.15B
est: -76.62B (-26.8%)
25.33B
est: 19.06B (+32.9%)
21.43B
est: 10.56B (+102.9%)
7.96B
est: 10.73B (-25.8%)
10.58B
est: 11.36B (-6.9%)
15.38B
est: 15.95B (-3.6%)
20.18B
est: 16.57B (+21.8%)
29.00B
28.13B – 29.86B
+75.0% YoY
29.00B
26.62B – 38.22B
+0.0% YoY
32.43B
30.37B – 45.07B
+11.8% YoY
35.98B
34.91B – 37.05B
+10.9% YoY
43.53B
42.24B – 44.83B
+21.0% YoY
SGA
est: 61.51B (-100.0%)
17.44B
est: 68.62B (-74.6%)
17.68B
est: 67.39B (-73.8%)
17.09B
est: 71.57B (-76.1%)
14.92B
est: 64.43B (-76.8%)
14.67B
est: 51.57B (-71.5%)
14.24B
est: 44.45B (-68.0%)
13.86B
est: 39.64B (-65.0%)
13.32B
est: 32.45B (-58.9%)
12.94B
est: 11.65B (+11.1%)
13.16B
est: 8.72B (+50.9%)
13.74B
13.25B – 14.24B
+57.6% YoY
15.24B
15.01B – 15.47B
+10.9% YoY
16.10B
15.62B – 16.58B
+5.6% YoY
17.19B
16.80B – 17.58B
+6.8% YoY
18.55B
18.12B – 18.97B
+7.9% YoY
EPS
138.82
est: 129.96 (+6.8%)
156.15
est: 159.15 (-1.9%)
184.10
est: 174.57 (+5.5%)
30.16
est: 163.09 (-81.5%)
-419.37
est: -417.18 (-0.5%)
109.32
est: 103.78 (+5.3%)
92.52
est: 57.52 (+60.9%)
34.73
est: 58.41 (-40.5%)
56.15
est: 61.85 (-9.2%)
75.44
est: 91.17 (-17.3%)
106.84
est: 94.72 (+12.8%)
165.78
160.85 – 170.71
+75.0% YoY
192.40
152.20 – 218.53
+16.1% YoY
209.60
173.64 – 257.68
+8.9% YoY
205.70
199.58 – 211.82
-1.9% YoY
248.90
241.50 – 256.30
+21.0% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-12 B 3/5 5/5 3/5 3/5 1/5 2/5 3/5
2026-05-11 B 3/5 5/5 3/5 3/5 1/5 2/5 3/5
2026-05-08 B+ 3/5 5/5 3/5 3/5 1/5 3/5 3/5
2026-05-07 B+ 3/5 5/5 3/5 3/5 1/5 3/5 3/5
2026-05-01 B+ 3/5 5/5 3/5 3/5 1/5 3/5 3/5
2026-04-30 B+ 3/5 5/5 3/5 3/5 1/5 3/5 3/5
2026-04-28 B+ 3/5 5/5 3/5 3/5 1/5 3/5 3/5
2026-04-27 B+ 3/5 5/5 3/5 3/5 1/5 3/5 3/5
2026-04-24 B+ 3/5 5/5 3/5 4/5 1/5 3/5 3/5
2026-04-23 B+ 3/5 5/5 3/5 4/5 1/5 3/5 3/5
2026-04-22 B+ 3/5 5/5 3/5 4/5 1/5 3/5 3/5
2026-04-21 B+ 3/5 5/5 3/5 4/5 1/5 3/5 3/5
2026-04-20 B+ 3/5 5/5 3/5 4/5 1/5 3/5 3/5
2026-04-17 B+ 3/5 5/5 3/5 4/5 1/5 3/5 3/5
2026-04-16 B+ 3/5 5/5 3/5 4/5 1/5 3/5 3/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
1.74B
OE per share TTM
9.68
Owner's Yield
0.45%
Maintenance CapEx ratio
141.55%
Maint CapEx / Avg PPE
41.9%

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 84 ETFs in our universe
# ETF Weight Est. AUM exposure TER
1 WisdomTree Japan SmallCap Dividend Fund DFJ 0.35% 1.35M 0.58%
2 iShares International Developed Small Cap Value Factor ETF ISVL 0.28% 887.3K 0.31%
3 Goldman Sachs Data Enhanced International Equity ETF GIEQ 0.25% 25.4K 0.30%
4 Dimensional - International Small Cap ETF DFIS 0.15% 8.50M 0.39%
5 iShares MSCI Japan Small Cap UCITS ETF IDJP.L 0.14% 795.3K 0.58%
6 iShares MSCI Japan Small-Cap ETF SCJ 0.13% 344.5K 0.50%
7 WisdomTree Dynamic International SmallCap Equity ETF DDLS 0.12% 518.8K 0.48%
8 WisdomTree International SmallCap Dividend Fund DLS 0.11% 1.18M 0.58%
9 Avantis International Small Cap Equity ETF AVDS 0.09% 270.0K 0.30%
10 Dimensional - International Small Cap Value ETF DISV 0.08% 4.01M 0.42%

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
24.35M
Shares Outstanding
170.71M

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
Kazusuke Dobashi Executive Officer & Head of Loan Management Division
Kazuya Mochizuki Senior MD & Chief Financial Officer male
Kosuke Kato President, Chief Executive Officer & Representative Director male
Makoto Yamaguchi EO, Head of Metro & Regional Banking Div, Wealth Advisory Dpt and Head of Business Dev.
Masuda Yuji Managing Executive Officer and Head of IT & Operations
Tadashi Ueno IR Manager male
Tomoaki Tsutsumi Senior Managing Executive Officer & Director male
Tomoki Toya Senior Managing Executive Officer, Head of Community Bank Division & Representative Director male
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