Concordia Financial Group, Ltd.

TSE:7186 Stock Report

Market Cap: JP¥1.1t

Concordia Financial Group Valuation

Is 7186 undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

2/6

Valuation Score 2/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of 7186 when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: 7186 (¥931.9) is trading below our estimate of fair value (¥1504.05)

Significantly Below Fair Value: 7186 is trading below fair value by more than 20%.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for 7186?

Key metric: As 7186 is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for 7186. This is calculated by dividing 7186's market cap by their current earnings.
What is 7186's PE Ratio?
PE Ratio14.5x
EarningsJP¥73.40b
Market CapJP¥1.06t

Price to Earnings Ratio vs Peers

How does 7186's PE Ratio compare to its peers?

The above table shows the PE ratio for 7186 vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average14.3x
8331 Chiba Bank
14.1x11.9%JP¥924.4b
8354 Fukuoka Financial Group
11.5x10.6%JP¥806.6b
5831 Shizuoka Financial GroupInc
11.1x6.2%JP¥751.1b
5844 Kyoto Financial GroupInc
20.6x11.5%JP¥692.2b
7186 Concordia Financial Group
14.5x10.4%JP¥1.1t

Price-To-Earnings vs Peers: 7186 is expensive based on its Price-To-Earnings Ratio (14.5x) compared to the peer average (14.3x).

Price to Earnings Ratio vs Industry

How does 7186's PE Ratio compare vs other companies in the JP Banks Industry?

0 CompaniesPrice / EarningsEstimated GrowthMarket Cap
No more companies available in this PE range
7186 14.5xIndustry Avg. 9.8xNo. of Companies15PE0612182430+
0 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: 7186 is expensive based on its Price-To-Earnings Ratio (14.5x) compared to the JP Banks industry average (9.8x).

Price to Earnings Ratio vs Fair Ratio

What is 7186's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

7186 PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio14.5x
Fair PE Ratio12.6x

Price-To-Earnings vs Fair Ratio: 7186 is expensive based on its Price-To-Earnings Ratio (14.5x) compared to the estimated Fair Price-To-Earnings Ratio (12.6x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst 7186 forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentJP¥931.90
JP¥1,024.44
+9.9%
11.7%JP¥1,300.00JP¥900.00n/a9
Nov ’25JP¥775.50
JP¥945.00
+21.9%
4.7%JP¥1,050.00JP¥900.00n/a8
Oct ’25JP¥797.10
JP¥961.25
+20.6%
9.2%JP¥1,110.00JP¥800.00n/a8
Sep ’25JP¥821.00
JP¥986.25
+20.1%
10.0%JP¥1,110.00JP¥800.00n/a8
Aug ’25JP¥969.20
JP¥986.25
+1.8%
10.0%JP¥1,110.00JP¥800.00n/a8
Jul ’25JP¥962.20
JP¥956.25
-0.6%
9.8%JP¥1,100.00JP¥800.00n/a8
Jun ’25JP¥944.50
JP¥853.75
-9.6%
5.9%JP¥950.00JP¥800.00n/a8
May ’25JP¥850.70
JP¥847.50
-0.4%
6.0%JP¥950.00JP¥800.00n/a8
Apr ’25JP¥752.30
JP¥815.00
+8.3%
12.1%JP¥950.00JP¥600.00n/a8
Mar ’25JP¥767.00
JP¥752.50
-1.9%
10.5%JP¥910.00JP¥600.00n/a8
Feb ’25JP¥706.30
JP¥752.50
+6.5%
10.5%JP¥910.00JP¥600.00n/a8
Jan ’25JP¥644.60
JP¥752.50
+16.7%
10.5%JP¥910.00JP¥600.00n/a8
Dec ’24JP¥703.20
JP¥748.75
+6.5%
10.6%JP¥910.00JP¥600.00JP¥897.708
Nov ’24JP¥716.00
JP¥737.50
+3.0%
12.0%JP¥910.00JP¥600.00JP¥775.508
Oct ’24JP¥681.50
JP¥641.67
-5.8%
7.4%JP¥740.00JP¥600.00JP¥797.106
Sep ’24JP¥653.20
JP¥631.67
-3.3%
4.4%JP¥680.00JP¥600.00JP¥821.006
Aug ’24JP¥637.00
JP¥598.57
-6.0%
14.6%JP¥770.00JP¥450.00JP¥969.207
Jul ’24JP¥562.60
JP¥598.57
+6.4%
14.6%JP¥770.00JP¥450.00JP¥962.207
Jun ’24JP¥551.00
JP¥580.00
+5.3%
15.7%JP¥770.00JP¥450.00JP¥944.507
May ’24JP¥517.00
JP¥580.00
+12.2%
15.7%JP¥770.00JP¥450.00JP¥850.707
Apr ’24JP¥488.00
JP¥594.29
+21.8%
15.7%JP¥770.00JP¥450.00JP¥752.307
Mar ’24JP¥588.00
JP¥595.71
+1.3%
16.5%JP¥770.00JP¥450.00JP¥767.007
Feb ’24JP¥564.00
JP¥539.17
-4.4%
10.3%JP¥600.00JP¥450.00JP¥706.306
Jan ’24JP¥550.00
JP¥517.50
-5.9%
8.8%JP¥600.00JP¥450.00JP¥644.606
Dec ’23JP¥470.00
JP¥495.00
+5.3%
8.3%JP¥560.00JP¥450.00JP¥703.206

Analyst Forecast: Target price is less than 20% higher than the current share price.

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