1. Japan Stocks

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  3. •

    Regional banks
Rakuten Bank, Ltd.

Rakuten Bank, Ltd.

34.20
EUR
-1.00
(-2.84%)
5.48BMarket Cap
Nov 11Next Earn
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
2026 Y
TTM
Revenue per Share
390.97
401.98
489.6
542.13
708.04
954.93
- -
Basic EPS, GAAP
117.58
121.85
168.38
199.86
291.03
418.76
- -
Free Cash Flow per Basic Share
9,096.64
8,856.13
3,568.48
5,911.24
973.11
1,922.12
- -
Dividend per Share
- -
- -
- -
- -
- -
- -
- -
Book Value per Share
987.96
1,100.34
1,252.98
1,494.09
1,732.23
2,132.23
- -
Tangible Book Value per Share
905.06
1,004.7
1,139.66
1,359.47
1,556.96
1,897.93
- -
Basic Weighted Avg Shares
164
164
164
172
174
174
88
Sales/Revenue/Turnover
64,300
66,111
80,522
93,410
123,539
166,632
- -
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
3,335
3,949
4,538
5,108
6,377
7,900
- -
Net Income, GAAP
19,337
20,039
27,692
34,436
50,779
73,072
- -
Effective Tax Rate (%)
30.67
31.6
31.7
31.25
30.79
30.25
- -
Profit Margin (%)
30.07
30.31
34.39
36.87
41.1
43.85
- -
Working Capital
- -
- -
- -
- -
- -
- -
- -
LT Debt
663,200
1,612,000
2,289,428
2,580,182
2,769,259
2,840,727
- -
Total Equity
186,790
206,492
231,682
279,586
319,114
389,527
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
1.57
1.33
1.33
1.75
2.35
- -
Return on Common Equity (%)
- -
11.29
13.84
14.54
18.04
21.67
- -

Capital Structure

JPY

•

in mil. unless spec.
Sep'26
Mar'26
Jun'27
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
174
174
175
Market Capitalization
1,447,334
1,005,054
901,036

Working Capital

JPY

•

in mil. unless spec.
Sep'26
Mar'26
Jun'27
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
4,563,022
4,139,558
- -
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

JPY

•

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

JPY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
123,539
2026
- -
- -
- -
- -
166,632
2027
- -
- -
- -
- -
- -

Quarterly Earnings Per Share

JPY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
291.03
2026
- -
- -
- -
- -
418.76
2027
- -
- -
- -
- -
- -

Quarterly Dividends Per Share

JPY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
2027
- -
- -
- -
- -
- -

Company Description

Company Profile APIChatGPT
CEO
Tomotaka Torin
Full Time Employees
1,186
Sector
Finance
Industry
Regional banks
Address
NBF Shinagawa Tower Tokyo TY Japan 108-0075
IPO Date
May 19, 2023
Website
rakuten-bank.co.jp
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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.