Kyushu Financial Group, Inc., through its subsidiaries, provides various financial services to customers in Japan. More Details
Excellent balance sheet unattractive dividend payer.
Share Price & News
How has Kyushu Financial Group's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: 7180 is not significantly more volatile than the rest of JP stocks over the past 3 months, typically moving +/- 5% a week.
Volatility Over Time: 7180's weekly volatility (5%) has been stable over the past year.
7 Day Return
1 Year Return
Return vs Industry: 7180 underperformed the JP Banks industry which returned 29.3% over the past year.
Return vs Market: 7180 underperformed the JP Market which returned 28.6% over the past year.
Long-Term Price Volatility Vs. Market
How volatile is Kyushu Financial Group's share price compared to the market and industry in the last 5 years?
Simply Wall St News
No news available
Is Kyushu Financial Group undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: 7180 (¥420) is trading above our estimate of fair value (¥418.05)
Significantly Below Fair Value: 7180 is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: 7180 is poor value based on its PE Ratio (12.3x) compared to the JP Banks industry average (9.7x).
PE vs Market: 7180 is good value based on its PE Ratio (12.3x) compared to the JP market (16.2x).
Price to Earnings Growth Ratio
PEG Ratio: 7180 is poor value based on its PEG Ratio (88.9x)
Price to Book Ratio
PB vs Industry: 7180's PB Ratio (0.3x) is in line with the JP Banks industry average.
How is Kyushu Financial Group forecast to perform in the next 1 to 3 years based on estimates from 2 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: 7180's forecast earnings growth (0.1% per year) is above the savings rate (0%).
Earnings vs Market: 7180's earnings (0.1% per year) are forecast to grow slower than the JP market (14.2% per year).
High Growth Earnings: 7180's earnings are forecast to grow, but not significantly.
Revenue vs Market: 7180's revenue (3.9% per year) is forecast to grow slower than the JP market (5.3% per year).
High Growth Revenue: 7180's revenue (3.9% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: 7180's Return on Equity is forecast to be low in 3 years time (3.2%).
How has Kyushu Financial Group performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: 7180 has high quality earnings.
Growing Profit Margin: 7180's current net profit margins (9.5%) are lower than last year (11.5%).
Past Earnings Growth Analysis
Earnings Trend: 7180's earnings have declined by 27.2% per year over the past 5 years.
Accelerating Growth: 7180's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: 7180 had negative earnings growth (-17.8%) over the past year, making it difficult to compare to the Banks industry average (-12.8%).
Return on Equity
High ROE: 7180's Return on Equity (2.2%) is considered low.
How is Kyushu Financial Group's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: 7180's Assets to Equity ratio (17.9x) is moderate.
Allowance for Bad Loans: 7180 has a low allowance for bad loans (48%).
Low Risk Liabilities: 84% of 7180's liabilities are made up of primarily low risk sources of funding.
Loan Level: 7180 has an appropriate level of Loans to Assets ratio (62%).
Low Risk Deposits: 7180's Loans to Deposits ratio (78%) is appropriate.
Level of Bad Loans: 7180 has an appropriate level of bad loans (1.9%).
What is Kyushu Financial Group current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: 7180's dividend (2.86%) is higher than the bottom 25% of dividend payers in the JP market (1.29%).
High Dividend: 7180's dividend (2.86%) is low compared to the top 25% of dividend payers in the JP market (2.94%).
Stability and Growth of Payments
Stable Dividend: Whilst dividend payments have been stable, 7180 has been paying a dividend for less than 10 years.
Growing Dividend: 7180's dividend payments have increased, but the company has only paid a dividend for 5 years.
Current Payout to Shareholders
Dividend Coverage: With its reasonably low payout ratio (35.2%), 7180's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Yoshihisa Kasahara (58 yo)
Mr. Yoshihisa Kasahara has been President and CEO of Kyushu Financial Group, Inc. since June 21, 2019 and has been its Representative Director since June 2016. Mr. Kasahara has been President and Director ...
Experienced Management: 7180's management team is not considered experienced ( 1.5 years average tenure), which suggests a new team.
Experienced Board: 7180's board of directors are not considered experienced ( 1.9 years average tenure), which suggests a new board.
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Kyushu Financial Group, Inc.'s company bio, employee growth, exchange listings and data sources
- Name: Kyushu Financial Group, Inc.
- Ticker: 7180
- Exchange: TSE
- Founded: 2015
- Industry: Regional Banks
- Sector: Banks
- Market Cap: JP¥184.763b
- Shares outstanding: 439.91m
- Website: https://www.kyushu-fg.co.jp
Number of Employees
- Kyushu Financial Group, Inc.
- 1, Renpeicho
Kyushu Financial Group, Inc., through its subsidiaries, provides various financial services to customers in Japan. The company operates through Banking and Leasing segments. It offers deposit products; sec...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/05/16 08:23|
|End of Day Share Price||2021/05/14 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.