1. Japan Stocks

  2. •

    Financial Services

  3. •

    Banks - Diversified
Rakuten Bank, Ltd.

Rakuten Bank, Ltd.

5838.T
Rakuten Bank, Ltd.JP flagTokyo Stock Exchange
5,787.00
JPY
+141.00
- -
1.01TMarket Cap
Rakuten Bank, Ltd.
5838.T
(Tokyo Stock Exchange)

Recent

price

5,787.00

P/E

ratio

- -

div

yld

- -

ROIC.AI

2021
2022
2023
2024
2025
2026
TTM
FRC
391.01
402.07
489.67
542.17
708.1
- -
280.7
Revenue per Share
117.58
121.85
168.38
199.86
291.03
- -
105.1
Basic EPS, GAAP
9,096.64
8,856.13
3,568.5
5,911.24
973.11
- -
- -
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
1,002.88
1,124.73
1,293.11
1,472.82
1,745.45
- -
1,581.3
Book Value per Share
1,050.05
1,156.68
1,291.57
1,486.34
1,653.67
- -
1,564.47
Tangible Book Value per Share
164
164
164
172
174
- -
174
Basic Weighted Avg Shares
64,307
66,126
80,533
93,416
123,549
166,641
48,977
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
3,335
3,949
4,538
5,108
6,377
7,900
- -
Depreciation Expense
19,337
20,039
27,692
34,436
50,779
73,072
18,339
Net Income, GAAP
30.67
31.6
31.7
31.25
30.79
30.25
31.28
Effective Tax Rate (%)
30.07
30.3
34.39
36.86
41.1
43.85
37.44
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
Working Capital
663,200
1,612,000
2,289,428
2,580,182
2,769,259
2,840,727
2,670,040
LT Debt
186,790
206,492
231,682
279,586
319,114
389,527
299,211
Total Equity
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
11.45
13.93
14.77
18.19
21.42
7.17
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Mar'24
Jun'25
Sep'25
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
174
- -
174
Market Capitalization
533,509
508,274
562,713

Working Capital

FRC

•

in mil. unless spec.
Mar'24
Jun'25
Sep'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
4,791,097
- -
4,970,450
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
15.93%
22.07%
Free Cash Flow
- -
5.08%
97.54%
Net Income, GAAP
- -
31.51%
43.9%
Sales/Revenue/Turnover
- -
21.55%
34.88%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
22,118
22,321
23,927
25,050
93,416
2025
- -
- -
- -
- -
123,549
2026
- -
- -
- -
- -
166,641

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
47.37
- -
- -
- -
199.86
2025
- -
- -
- -
- -
291.03
2026
- -
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
Similar Companies
Nippon India Mutual Fund (11QPD.BO)
Canadian Imperial Bank of Commerce (CM-PR.TO)
Australia and New Zealand Banking Group Ltd (AN3PG.AX)
Westpac Banking Corporation (WBC.NZ)
Banco Santander, S.A. (SANTA.BR)
NatWest Group plc (NWG)
Business
Rakuten Bank, Ltd. (5838.T) operates as Japan's leading internet bank, providing comprehensive digital banking services to individual, corporate, and sole proprietor customers through electronic channels; its core offerings include yen and foreign currency deposits, fixed-term deposits, payment and remittance services, easy bank transfers, prepaid cards, debit cards (JCB and MasterCard), card loans, securities-backed loans, real estate secured loans, reverse mortgages (including the credit-line type launched in May 2025), housing loans, educational loans, business loans, international remittances, foreign exchange margin transactions, asset management, lottery services (such as LOTO, Numbers, and BIG), and account linkage features like Money Bridge with Rakuten Securities. The bank serves retail consumers seeking convenient online financial solutions, small businesses requiring streamlined payment and deposit services, and integrates seamlessly with Rakuten Group's ecosystem for enhanced point-based loyalty programs and cross-financial product access. Founded in 2000 and headquartered at NBF Shinagawa Tower in Minato-ku, Tokyo, Rakuten Bank primarily focuses operations within Japan, with a wholly owned subsidiary, Rakuten International Commercial Bank, conducting banking activities in Taiwan. In recent developments, the bank listed on the Tokyo Stock Exchange Prime Market in April 2023, marking a significant step toward greater market visibility; it advanced Rakuten Group's broader fintech reorganization announced in April 2024, aimed at consolidating banking, credit cards, securities, and insurance units under enhanced collaboration to streamline customer acquisition and leverage AI-driven services, with implementation targeted for October 2024 pending approvals. Money Bridge account linkages surpassed 6 million users and ¥6 trillion in deposits by October 2024, while total accounts exceeded 17 million and deposits topped ¥12 trillion by mid-2025; new product launches include the Reverse Mortgage (Credit-Line Type) in May 2025 and Securities-Backed Loans in June 2025, alongside strategic partnerships such as JRE BANK with Viewcard Co., Ltd. in May 2024 and prior agency collaborations with entities like Dai-ichi Life Insurance.