New Risk • Aug 04
New minor risk - Share price stability The company's share price has been volatile over the past 3 months. It is more volatile than 75% of Japanese stocks, typically moving 6.5% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. This is currently the only risk that has been identified for the company. Declared Dividend • Jul 25
Final dividend of JP¥15.00 announced Shareholders will receive a dividend of JP¥15.00. Ex-date: 29th September 2026 Payment date: 1st December 2026 Dividend yield will be 1.8%, which is lower than the industry average of 3.2%. Sustainability & Growth The dividend has increased by an average of 14% per year over the past 3 years and payments have been stable during that time. The company's earnings per share (EPS) would need to decline by 66% to shift the payout ratio to a potentially unsustainable range, which is more than the 25% EPS decline seen over the last 5 years. Valuation Update With 7 Day Price Move • Jul 16
Investor sentiment improves as stock rises 17% After last week's 17% share price gain to JP¥1,747, the stock trades at a trailing P/E ratio of 19.5x. Average trailing P/E is 16x in the Banks industry in Japan. Total returns to shareholders of 322% over the past three years. Announcement • Jun 06
Aichi Financial Group, Inc. to Report Q1, 2027 Results on Aug 14, 2026 Aichi Financial Group, Inc. announced that they will report Q1, 2027 results on Aug 14, 2026 Reported Earnings • May 20
Full year 2026 earnings released: EPS: JP¥447 (vs JP¥37.09 in FY 2025) Full year 2026 results: EPS: JP¥447 (up from JP¥37.09 in FY 2025). Revenue: JP¥103.8b (up 14% from FY 2025). Net income: JP¥21.8b (up 140% from FY 2025). Profit margin: 21% (up from 10.0% in FY 2025). Over the last 3 years on average, earnings per share has increased by 1% per year but the company’s share price has increased by 52% per year, which means it is tracking significantly ahead of earnings growth. Announcement • May 15
Aichi Financial Group, Inc., Annual General Meeting, Jun 26, 2026 Aichi Financial Group, Inc., Annual General Meeting, Jun 26, 2026. Live News • May 14
Aichi Financial Group Moves Toward Absorption Merger With San ju San By 2027 Aichi Financial Group and San ju San Financial Group have agreed to pursue a merger that targets completion on April 1, 2027.
The business integration is planned as an absorption-type merger, under which only one of the two companies will remain after completion.
The combined regional banking group is expected to have total assets of more than ¥11.6b and a wider operational footprint.
This planned merger points to a move toward greater scale and a broader regional presence, which can change how you think about Aichi Financial Group’s role in Japan’s regional banking sector.
Until the integration structure is finalized and regulators weigh in, investors face typical execution risks around merger timing, cost synergies and how the surviving entity’s governance and capital policy are set. Announcement • May 14
Aichi Financial Group, Inc. (TSE:7389) signed a basic agreement to acquire San ju San Financial Group,Inc. (TSE:7322) from a group of shareholders. Aichi Financial Group, Inc. (TSE:7389) signed a basic agreement to acquire San ju San Financial Group,Inc. (TSE:7322) from a group of shareholders on May 13, 2026. The consideration consists of common equity of Aichi Financial Group, Inc. to be issued for common equity of San ju San Financial Group,Inc. The sellers in the transaction are The Master Trust Bank of Japan, Ltd. (Trust Account), Custody Bank of Japan, Ltd. (Trust Account), Ginsen Co., Ltd., Sumitomo Mitsui Banking Corporation, Sumitomo Mitsui Card Co., Ltd., Mizuho Bank, Ltd., Morgan Stanley MUFG Securities Co., Ltd. and SMBC Nikko Securities Inc.
The expected completion of the transaction is April 1, 2027. Announcement • May 10
Aichi Financial Group, Inc. to Report Fiscal Year 2026 Results on May 15, 2026 Aichi Financial Group, Inc. announced that they will report fiscal year 2026 results at 3:00 PM, Tokyo Standard Time on May 15, 2026 Valuation Update With 7 Day Price Move • Mar 30
Investor sentiment improves as stock rises 15% After last week's 15% share price gain to JP¥1,409, the stock trades at a trailing P/E ratio of 20x. Average trailing P/E is 13x in the Banks industry in Japan. Total returns to shareholders of 251% over the past three years. Upcoming Dividend • Mar 23
Upcoming dividend of JP¥60.00 per share Eligible shareholders must have bought the stock before 30 March 2026. Payment date: 30 June 2026. Payout ratio is a comfortable 28% but the company is not cash flow positive. Trailing yield: 2.0%. Lower than top quartile of Japanese dividend payers (3.6%). Lower than average of industry peers (2.7%). New Risk • Mar 04
New minor risk - Share price stability The company's share price has been volatile over the past 3 months. It is more volatile than 75% of Japanese stocks, typically moving 5.6% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. This is currently the only risk that has been identified for the company. Reported Earnings • Feb 14
Third quarter 2026 earnings released: EPS: JP¥168 (vs JP¥61.23 in 3Q 2025) Third quarter 2026 results: EPS: JP¥168 (up from JP¥61.23 in 3Q 2025). Revenue: JP¥30.1b (up 23% from 3Q 2025). Net income: JP¥8.17b (up 172% from 3Q 2025). Profit margin: 27% (up from 12% in 3Q 2025). The increase in margin was driven by higher revenue. Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 138 percentage points per year, which is a significant difference in performance. Announcement • Dec 02
Aichi Financial Group, Inc. to Report Q3, 2026 Results on Feb 13, 2026 Aichi Financial Group, Inc. announced that they will report Q3, 2026 results on Feb 13, 2026 Declared Dividend • Dec 02
First half dividend of JP¥60.00 announced Shareholders will receive a dividend of JP¥60.00. Ex-date: 30th March 2026 Payment date: 30th June 2026 Dividend yield will be 2.4%, which is lower than the industry average of 3.2%. Sustainability & Growth The dividend has increased by an average of 6.3% per year over the past 3 years and payments have been stable during that time. The company's earnings per share (EPS) would need to decline by 77% to shift the payout ratio to a potentially unsustainable range, which is more than the 34% EPS decline seen over the last 5 years. Reported Earnings • Nov 18
Second quarter 2026 earnings released: EPS: JP¥128 (vs JP¥43.43 in 2Q 2025) Second quarter 2026 results: EPS: JP¥128 (up from JP¥43.43 in 2Q 2025). Revenue: JP¥24.0b (up 12% from 2Q 2025). Net income: JP¥6.23b (up 192% from 2Q 2025). Profit margin: 26% (up from 10.0% in 2Q 2025). The increase in margin was primarily driven by higher revenue. Valuation Update With 7 Day Price Move • Oct 08
Investor sentiment improves as stock rises 20% After last week's 20% share price gain to JP¥3,735, the stock trades at a trailing P/E ratio of 23x. Average trailing P/E is 11x in the Banks industry in Japan. Total returns to shareholders of 139% over the past three years. Upcoming Dividend • Sep 22
Upcoming dividend of JP¥50.00 per share Eligible shareholders must have bought the stock before 29 September 2025. Payment date: 02 December 2025. Payout ratio is a comfortable 62% but the company is not cash flow positive. Trailing yield: 3.3%. Lower than top quartile of Japanese dividend payers (3.6%). In line with average of industry peers (3.1%). Buy Or Sell Opportunity • Sep 02
Now 21% overvalued after recent price rise Over the last 90 days, the stock has risen 18% to JP¥3,035. The fair value is estimated to be JP¥2,508, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has grown by 8.3% over the last year. Earnings per share has declined by 10%. Reported Earnings • Aug 15
First quarter 2026 earnings released: EPS: JP¥77.76 (vs JP¥102 in 1Q 2025) First quarter 2026 results: EPS: JP¥77.76 (down from JP¥102 in 1Q 2025). Revenue: JP¥22.1b (down 3.9% from 1Q 2025). Net income: JP¥3.80b (down 24% from 1Q 2025). Profit margin: 17% (down from 22% in 1Q 2025). The decrease in margin was primarily driven by lower revenue. Announcement • Aug 07
Aichi Financial Group, Inc. to Report Q2, 2026 Results on Nov 14, 2025 Aichi Financial Group, Inc. announced that they will report Q2, 2026 results on Nov 14, 2025 Declared Dividend • Jul 09
Final dividend of JP¥50.00 announced Shareholders will receive a dividend of JP¥50.00. Ex-date: 29th September 2025 Payment date: 2nd December 2025 Dividend yield will be 4.2%, which is higher than the industry average of 3.2%. Sustainability & Growth The dividend has not increased over the past 2 years but payments have been stable during that time. The company's earnings per share (EPS) would need to decline by 49% to shift the payout ratio to a potentially unsustainable range, which is more than the 37% EPS decline seen over the last 5 years. Announcement • Jun 24
Aichi Financial Group, Inc. to Report Q1, 2026 Results on Aug 14, 2025 Aichi Financial Group, Inc. announced that they will report Q1, 2026 results on Aug 14, 2025 Announcement • May 29
Aichi Financial Group, Inc. Revises Consolidated Earnings Guidance for the Fiscal Year 2027 and 2030 Aichi Financial Group, Inc. revised consolidated earnings guidance for the fiscal year 2027 and 2030. The company announced that at a meeting of the Board of Directors held on May 29, 2025, to change of enumeration targets for the company's second medium-term business plan from April 1, 2025 through March 31, 2028. For 2027, the company now expects consolidated net income to be JPY 19,000 million against previous guidance of JPY 15,000 million.
For 2030, the company now expects consolidated net income to be JPY 25,000 million against previous guidance of JPY 19,500 million. Back Ground to the Change: The Company set enumeration targets and announced the company's "Second Medium-Term Business Plan" in December 2024. After that, with the announcement of additional tariffs by the US, due to growing economic uncertainty, financial markets have temporarily fluctuated, however, the uncertainty are gradually settling down recently and the prospect of a rise in domestic market interest rates in the medium to long term is becoming stronger than before. Based on changing of the management environment, the Company have decided to change of the enumeration targets for the company's second medium-term business plan. Reported Earnings • May 21
Full year 2025 earnings released: EPS: JP¥185 (vs JP¥169 in FY 2024) Full year 2025 results: EPS: JP¥185 (up from JP¥169 in FY 2024). Revenue: JP¥92.3b (up 11% from FY 2024). Net income: JP¥9.10b (up 9.7% from FY 2024). Profit margin: 9.9% (in line with FY 2024). Announcement • May 17
Aichi Financial Group, Inc. (TSE:7389) announces an Equity Buyback for 452,000 shares, representing 0.92% for ¥1,257 million. Aichi Financial Group, Inc. (TSE:7389) announces a share repurchase program. Under the program, the company will repurchase up to 452,000 shares, representing 0.92% of its issued share capital (excluding treasury stock), for a total purchase price of ¥1,257 million. The shares will be repurchased at a price of ¥2,684 per share. The purpose of the program is to to prepare for the payment of stock compensation. As of March 31, 2025, the company has 49,110,552 issued shares (excluding treasury stock) and 14,119 treasury shares. Announcement • May 15
Aichi Financial Group, Inc., Annual General Meeting, Jun 27, 2025 Aichi Financial Group, Inc., Annual General Meeting, Jun 27, 2025. Buy Or Sell Opportunity • Apr 04
Now 20% undervalued after recent price drop Over the last 90 days, the stock has fallen 1.6% to JP¥2,474. The fair value is estimated to be JP¥3,096, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 18% over the last year. Earnings per share has grown by 761%. Upcoming Dividend • Mar 21
Upcoming dividend of JP¥50.00 per share Eligible shareholders must have bought the stock before 28 March 2025. Payment date: 24 June 2025. Payout ratio is a comfortable 46% but the company is not cash flow positive. Trailing yield: 3.4%. Lower than top quartile of Japanese dividend payers (3.7%). In line with average of industry peers (3.1%). Announcement • Mar 04
Aichi Financial Group, Inc. to Report Fiscal Year 2025 Results on May 15, 2025 Aichi Financial Group, Inc. announced that they will report fiscal year 2025 results on May 15, 2025 Reported Earnings • Feb 16
Third quarter 2025 earnings released: EPS: JP¥61.23 (vs JP¥45.22 in 3Q 2024) Third quarter 2025 results: EPS: JP¥61.23 (up from JP¥45.22 in 3Q 2024). Revenue: JP¥24.5b (up 19% from 3Q 2024). Net income: JP¥3.01b (up 36% from 3Q 2024). Profit margin: 12% (up from 11% in 3Q 2024). The increase in margin was driven by higher revenue. Announcement • Nov 30
Aichi Financial Group, Inc. to Report Q3, 2025 Results on Feb 14, 2025 Aichi Financial Group, Inc. announced that they will report Q3, 2025 results on Feb 14, 2025 Reported Earnings • Nov 16
Second quarter 2025 earnings released: EPS: JP¥43.43 (vs JP¥45.22 in 2Q 2024) Second quarter 2025 results: EPS: JP¥43.43 (down from JP¥45.22 in 2Q 2024). Revenue: JP¥21.8b (up 6.5% from 2Q 2024). Net income: JP¥2.13b (down 3.8% from 2Q 2024). Profit margin: 9.8% (down from 11% in 2Q 2024). The decrease in margin was driven by higher expenses. Buy Or Sell Opportunity • Oct 21
Now 21% undervalued after recent price drop Over the last 90 days, the stock has fallen 14% to JP¥2,282. The fair value is estimated to be JP¥2,885, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 19% over the last year. Earnings per share has declined by 86%. Upcoming Dividend • Sep 20
Upcoming dividend of JP¥50.00 per share Eligible shareholders must have bought the stock before 27 September 2024. Payment date: 04 December 2024. Payout ratio is a comfortable 56% but the company is not cash flow positive. Trailing yield: 4.2%. Within top quartile of Japanese dividend payers (3.8%). Higher than average of industry peers (3.5%). Announcement • Aug 29
Aichi Financial Group, Inc. to Report Q2, 2025 Results on Nov 12, 2024 Aichi Financial Group, Inc. announced that they will report Q2, 2025 results on Nov 12, 2024 Reported Earnings • Aug 16
First quarter 2025 earnings released: EPS: JP¥102 (vs JP¥132 loss in 1Q 2024) First quarter 2025 results: EPS: JP¥102 (up from JP¥132 loss in 1Q 2024). Revenue: JP¥22.9b (up 47% from 1Q 2024). Net income: JP¥5.00b (up JP¥11.5b from 1Q 2024). Profit margin: 22% (up from net loss in 1Q 2024). The move to profitability was primarily driven by higher revenue. Valuation Update With 7 Day Price Move • Aug 05
Investor sentiment deteriorates as stock falls 19% After last week's 19% share price decline to JP¥2,172, the stock trades at a trailing P/E ratio of 12.8x. Average trailing P/E is 10x in the Banks industry in Japan. Total loss to shareholders of 6.6% over the past year. Buy Or Sell Opportunity • Aug 05
Now 22% undervalued after recent price drop Over the last 90 days, the stock has fallen 27% to JP¥2,172. The fair value is estimated to be JP¥2,786, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has grown by 24% over the last year. Earnings per share has declined by 91%. Announcement • Jun 29
Aichi Financial Group, Inc. to Report Q1, 2025 Results on Aug 14, 2024 Aichi Financial Group, Inc. announced that they will report Q1, 2025 results on Aug 14, 2024 Announcement • May 16
Aichi Financial Group, Inc., Annual General Meeting, Jun 21, 2024 Aichi Financial Group, Inc., Annual General Meeting, Jun 21, 2024. New Risk • Apr 08
New minor risk - Share price stability The company's share price has been volatile over the past 3 months. It is more volatile than 75% of Japanese stocks, typically moving 6.0% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Minor Risks Less than 3 years of financial data is available. Dividend is not well covered by earnings (394% payout ratio). Share price has been volatile over the past 3 months (6.0% average weekly change). Large one-off items impacting financial results. Upcoming Dividend • Mar 21
Upcoming dividend of JP¥50.00 per share Eligible shareholders must have bought the stock before 28 March 2024. Payment date: 26 June 2024. Trailing yield: 3.7%. Within top quartile of Japanese dividend payers (3.2%). Higher than average of industry peers (2.9%). Announcement • Mar 02
Aichi Financial Group, Inc. to Report Fiscal Year 2024 Results on May 14, 2024 Aichi Financial Group, Inc. announced that they will report fiscal year 2024 results on May 14, 2024 Announcement • Nov 29
Aichi Financial Group, Inc. to Report Q3, 2024 Results on Feb 13, 2024 Aichi Financial Group, Inc. announced that they will report Q3, 2024 results on Feb 13, 2024 Announcement • Aug 27
Aichi Financial Group, Inc. to Report Q2, 2024 Results on Nov 13, 2023 Aichi Financial Group, Inc. announced that they will report Q2, 2024 results on Nov 13, 2023 Announcement • Jun 28
Aichi Financial Group, Inc. to Report Q1, 2024 Results on Aug 10, 2023 Aichi Financial Group, Inc. announced that they will report Q1, 2024 results on Aug 10, 2023 Announcement • Dec 01
Aichi Financial Group, Inc. to Report Q3, 2023 Results on Feb 14, 2023 Aichi Financial Group, Inc. announced that they will report Q3, 2023 results on Feb 14, 2023 Announcement • Nov 15
Aichi Financial Group, Inc. (TSE:7389) announces an Equity Buyback for 1,766 shares, for ¥3.61 million. Aichi Financial Group, Inc. (TSE:7389) announces a share repurchase program. Under the program, the company will repurchase up to 1,766 shares for ¥3.61 million. The shares will be repurchased at a price of ¥2,046 per share. The repurchases will be made on November 14, 2022. As of November 14, 2022, the company had 49,114,015 shares issued and 4,832 shares in treasury. 
