1. Japan Stocks

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    Financial Services

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    Banks - Regional
San ju San Financial Group,Inc.

San ju San Financial Group,Inc.

7322.T
San ju San Financial Group,Inc.JP flagTokyo Stock Exchange
1,780.00
JPY
-36.00
- -
185.23BMarket Cap
San ju San Financial Group,Inc.
7322.T
(Tokyo Stock Exchange)

Recent

price

1,780.00

P/E

ratio

- -

div

yld

- -

ROIC.AI

2019
2020
2021
2022
2023
2024
2025
2026
TTM
FRC
613.47
632.13
686.8
637.98
597.51
612.59
650.42
764.07
308.76
Revenue per Share
500.93
39.87
40.14
47.08
60.83
66.37
83.13
118.61
27.97
Basic EPS, GAAP
-241.97
-1,127.04
2,516.35
3,547.55
-3,696.77
606.64
56.15
-530.17
- -
Free Cash Flow per Basic Share
26.78
21.36
21.37
21.38
19.75
18.1
20.35
31.89
- -
Dividend per Share
1,297.12
1,318.77
1,337.53
1,361.57
1,403.85
1,453.16
1,515.06
1,601.38
1,488.94
Book Value per Share
2,285.21
2,101.9
2,190.06
2,109.06
1,799.94
1,995.46
1,935.58
2,165.88
1,988.78
Tangible Book Value per Share
104
104
104
104
104
104
104
104
104
Basic Weighted Avg Shares
64,022
65,810
71,501
66,472
62,201
63,723
67,700
79,551
32,121
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
3,237
3,455
3,994
5,293
4,648
4,408
4,369
4,414
- -
Depreciation Expense
52,277
4,151
4,179
4,905
6,332
6,904
8,653
12,349
2,910
Net Income, GAAP
2.7
31.26
22.69
- -
29.2
33.67
26.49
25
41.35
Effective Tax Rate (%)
81.65
6.31
5.84
7.38
10.18
10.83
12.78
15.52
9.06
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
133,127
110,513
243,487
578,134
208,155
291,345
304,159
282,548
318,986
LT Debt
244,335
227,465
238,491
229,636
195,019
213,145
206,011
231,174
211,856
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
3.04
3.02
3.49
4.4
4.64
5.6
7.61
1.91
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
104
- -
104
Market Capitalization
54,190
55,786
42,835

Working Capital

FRC

•

in mil. unless spec.
Mar'24
Jun'25
Sep'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
432,515
- -
493,712
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
- -
-0.13%
12.21%
Free Cash Flow
- -
-282.94%
-1,044.52%
Net Income, GAAP
- -
24.71%
42.71%
Sales/Revenue/Turnover
- -
2.55%
17.51%
Total Cash Common Dividend
- -
10.65%
56.75%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
16,329
15,273
15,937
16,184
63,723
2025
- -
- -
- -
- -
67,700
2026
- -
- -
- -
- -
79,551

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
23.06
- -
- -
- -
66.37
2025
- -
- -
- -
- -
83.13
2026
- -
- -
- -
- -
118.61

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
18.1
2025
- -
- -
- -
- -
20.35
2026
- -
- -
- -
- -
31.89
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Business
San ju San Financial Group, Inc. is a Japan-based financial services company primarily engaged in banking and leasing operations through its wholly owned subsidiaries, including Mie Bank and The Third Bank. The company offers core banking products and services such as deposit accounts, lending, domestic and foreign exchange services, government bond sales, investment trusts, insurance products, credit card services, and credit guarantees. It operates mainly in the retail and leasing segments, serving a diverse client base across Japan. Founded in 1985 and headquartered in Yokkaichi City, Japan, San ju San Financial Group focuses on providing comprehensive financial solutions that include leasing business services and credit guarantee business through its subsidiaries. The company targets both individual and corporate customers, with an emphasis on regional banking services. Recent major changes include a strategic partnership with nCino, Inc., whereby San ju San Bank implemented the nCino Mortgage Solution in 2025 to digitize and streamline its housing loan operations. This digital transformation initiative replaced manual processes with a paperless workflow aimed at improving operational efficiency and enabling customer-centric service enhancements. Additionally, in December 2024, San ju San Financial Group agreed to sell Mie Sogo Shinyo Co Ltd to Zenkoku Hoshou Co Ltd as part of its operational adjustments. These developments reflect the company's ongoing efforts to embrace innovative technology and optimize its financial service offerings while maintaining its established market presence in Japan. San ju San Financial Group continues to focus on banking and leasing as its core business lines, supported by value-added financial services designed to meet evolving customer needs.