1. Japan Stocks

  2. •

    Financial Services

  3. •

    Banks - Regional
Kyoto Financial Group,Inc.

Kyoto Financial Group,Inc.

5844.T
Kyoto Financial Group,Inc.JP flagTokyo Stock Exchange
4,758.00
JPY
+39.00
- -
1.35TMarket Cap
Kyoto Financial Group,Inc.
5844.T
(Tokyo Stock Exchange)

Recent

price

4,758.00

P/E

ratio

- -

div

yld

- -

ROIC.AI

2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
TTM
FRC
352.95
334.07
325.08
308.37
334.99
328.9
322.53
321.78
387.35
322.88
324.29
391.52
369.45
381.47
448.69
1,106.16
184.26
Revenue per Share
60.79
51.47
58.13
55.47
70.38
70.52
61.51
63.97
104.89
67.45
55.76
68.21
90.7
106.55
125.11
338.85
42.29
Basic EPS, GAAP
659.34
549.98
344.76
302.83
433.82
-786.59
650.55
144.29
69.34
372.03
4,743.08
115.28
-4,722.4
-142.65
1,695.44
-3,867.59
- -
Free Cash Flow per Basic Share
12.5
13.75
12.5
12.5
15
15
15
15.02
15
24.99
14.99
16.26
31.32
40.15
65
70.39
- -
Dividend per Share
924.1
961.66
1,008.44
1,051.7
1,100.16
1,155.58
1,201.91
1,252.3
1,342.55
1,384.45
1,424.31
1,475.67
1,545.19
1,623.93
1,707.01
2,015.93
1,684.66
Book Value per Share
1,473.2
1,411.28
1,525.52
1,793.99
2,291.87
2,150.17
2,524.66
3,076.93
2,806.85
2,753.22
3,853.81
3,597.12
3,298.65
3,839.42
3,682.04
3,955.13
3,675.97
Tangible Book Value per Share
302
302
302
302
302
302
302
302
302
302
302
302
300
296
292
285
292
Basic Weighted Avg Shares
106,703
100,988
98,275
93,227
101,272
99,450
97,541
97,193
116,991
97,567
98,058
118,371
110,843
113,034
131,089
315,742
53,833
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
5,027
5,122
4,572
5,220
5,634
5,093
4,701
4,510
4,204
3,695
3,393
3,267
3,216
3,354
4,655
4,965
- -
Depreciation Expense
18,379
15,560
17,574
16,771
21,276
21,322
18,601
19,323
31,681
20,383
16,860
20,621
27,213
31,572
36,552
96,723
12,355
Net Income, GAAP
43.62
39.74
36.78
38.19
38.67
34.85
29.7
30.72
29.31
28.63
26.35
26.92
27.57
28.05
27.6
29.25
28.83
Effective Tax Rate (%)
17.22
15.41
17.88
17.99
21.01
21.44
19.07
19.88
27.08
20.89
17.19
17.42
24.55
27.93
27.88
30.63
22.95
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
137,845
134,912
138,111
137,657
75,236
74,884
141,795
136,701
68,449
523,512
1,571,806
1,321,852
258,264
199,454
505,350
439,632
432,923
LT Debt
447,806
428,958
463,072
545,649
695,807
653,050
766,292
932,363
850,932
834,985
1,168,150
1,090,314
992,375
1,141,081
1,083,190
1,136,249
1,081,315
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
6.76
5.46
5.9
5.39
6.54
6.25
5.22
5.21
8.08
4.95
3.97
4.7
5.98
6.68
7.46
18.01
2.55
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
292
- -
292
Market Capitalization
821,066
833,803
644,050

Working Capital

FRC

•

in mil. unless spec.
Mar'24
Jun'25
Sep'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
962,778
- -
991,452
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
6.75%
-0.17%
4.9%
Free Cash Flow
-465.43%
-1,190.88%
-322.87%
Net Income, GAAP
25.28%
50.14%
164.62%
Sales/Revenue/Turnover
17.52%
34.63%
140.86%
Total Cash Common Dividend
21.83%
38.33%
5.8%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
36,806
22,395
32,979
20,854
113,034
2025
- -
- -
- -
- -
131,089
2026
- -
- -
- -
- -
315,742

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
50.09
- -
- -
- -
106.55
2025
- -
- -
- -
- -
125.11
2026
- -
- -
- -
- -
338.85

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
40.15
2025
- -
- -
- -
- -
65
2026
- -
- -
- -
- -
70.39
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Business
Kyoto Financial Group, Inc. (5844.T) serves as a regional financial holding company that manages banking and related financial services primarily through its core subsidiary, The Bank of Kyoto, Ltd., headquartered in Kyoto, Japan; the group was formally established on October 2, 2023, with roots tracing back to The Bank of Kyoto's founding in 1941 as Tanwa Bank. The Bank of Kyoto offers a comprehensive range of banking products and services, including current, ordinary, savings, time, and notice deposits; negotiable certificates of deposit; loans and overdrafts; domestic and foreign exchange; securities trading and investment; and trust services, alongside credit cards (DC VISA, DC MasterCard, JCB, Diners), leasing, credit guarantees, and investment management through subsidiaries such as Kyoto Credit Service Co., Ltd., Kyoto Leasing Co., Ltd., Kyoto Capital Partners Co., Ltd., Kyoto Guaranty Service Co., Ltd., and equity-method affiliate Sky Ocean Asset Management Co., Ltd. Additional group entities provide supporting services like real estate management via Karasuma Shoji Co., Ltd., economic consulting and research through Kyoto Soken Consulting Co., Ltd., financial products trading, M&A advisory, turnaround servicing via Kyoto Turnaround Servicer Co., Ltd., and electronic commerce mall operations. The group operates predominantly in Japan, focusing on the Kansai region including Kyoto, Osaka, Shiga, Nara, and Hyogo prefectures, with international representative offices in China, Hong Kong, and Thailand. Recent developments include the June 2024 acquisition of Sekisui Leasing Co., Ltd. as a subsidiary through a 90% stake purchase from Mitsubishi HC Capital Inc. for ¥3.29 billion, the October 2024 launch of operations at Kyoto Turnaround Servicer Co., Ltd. and Kyoto Capital Partners, multiple share buyback programs such as the completion of a 3.65 million share repurchase for nearly ¥10 billion in 2025 and an ongoing program for up to 1 million shares worth ¥2 billion through March 2026 to enhance shareholder returns and capital efficiency, alongside a strategic softening of stance on potential mergers as stated by its president in April 2025.