Concordia Financial Group, Ltd.

TSE:7186 Stock Report

Market Cap: JP¥980.5b

Concordia Financial Group Past Earnings Performance

Past criteria checks 4/6

Concordia Financial Group has been growing earnings at an average annual rate of 11.7%, while the Banks industry saw earnings growing at 7.3% annually. Revenues have been growing at an average rate of 2.7% per year. Concordia Financial Group's return on equity is 5.7%, and it has net margins of 24.4%.

Key information

11.7%

Earnings growth rate

12.7%

EPS growth rate

Banks Industry Growth4.1%
Revenue growth rate2.7%
Return on equity5.7%
Net Margin24.4%
Next Earnings Update05 Feb 2025

Recent past performance updates

Recent updates

Concordia Financial Group (TSE:7186) Is Increasing Its Dividend To ¥14.00

Dec 03
Concordia Financial Group (TSE:7186) Is Increasing Its Dividend To ¥14.00

Concordia Financial Group (TSE:7186) Is Paying Out A Larger Dividend Than Last Year

Sep 11
Concordia Financial Group (TSE:7186) Is Paying Out A Larger Dividend Than Last Year

Concordia Financial Group's (TSE:7186) Dividend Will Be Increased To ¥13.00

Aug 10
Concordia Financial Group's (TSE:7186) Dividend Will Be Increased To ¥13.00

Revenue & Expenses Breakdown

How Concordia Financial Group makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

TSE:7186 Revenue, expenses and earnings (JPY Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 24300,60773,399132,5790
30 Jun 24301,29969,231132,8240
31 Mar 24291,48066,931133,5520
31 Dec 23279,44764,295130,5980
30 Sep 23278,99964,638128,6840
30 Jun 23268,54559,209126,8660
31 Mar 23266,98656,159125,5400
31 Dec 22264,64849,618127,1400
30 Sep 22262,23747,357128,2390
30 Jun 22264,31350,475130,1630
31 Mar 22268,37053,881131,1310
31 Dec 21261,56239,640133,5210
30 Sep 21260,18437,471134,7440
30 Jun 21261,57234,618135,7500
31 Mar 21250,76525,326136,8880
31 Dec 20257,62941,162135,9760
30 Sep 20256,92540,181135,8030
30 Jun 20258,16242,936135,6840
31 Mar 20260,17646,536134,8180
31 Dec 19259,81748,635157,0940
30 Sep 19266,46153,083156,7990
30 Jun 19275,62054,096133,1440
31 Mar 19272,76254,285155,8220
31 Dec 18286,41862,583133,1820
30 Sep 18298,42763,042133,4050
30 Jun 18303,42562,094133,5680
31 Mar 18289,60266,413157,5460
31 Dec 17317,11469,379133,8700
30 Sep 17309,15568,516134,2770
30 Jun 17314,58869,912134,5080
31 Mar 17317,916126,656135,1200

Quality Earnings: 7186 has high quality earnings.

Growing Profit Margin: 7186's current net profit margins (24.4%) are higher than last year (23.2%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: 7186's earnings have grown by 11.7% per year over the past 5 years.

Accelerating Growth: 7186's earnings growth over the past year (13.6%) exceeds its 5-year average (11.7% per year).

Earnings vs Industry: 7186 earnings growth over the past year (13.6%) did not outperform the Banks industry 22.6%.

Return on Equity

High ROE: 7186's Return on Equity (5.7%) is considered low.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/22 09:55
End of Day Share Price 2024/12/20 00:00
Earnings2024/09/30
Annual Earnings2024/03/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Concordia Financial Group, Ltd. is covered by 14 analysts. 7 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Toyoki SameshimaBNP Paribas Securities (Asia)
Shinichiro NakamuraBofA Global Research
Koichi NiwaCitigroup Inc