Seven Bank, Ltd.

Seven Bank, Ltd.

1.82
EUR
+0.01
(+0.55%)
Nov 06Next Earn
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
2026 Y
TTM
Revenue per Share
73.45
78.59
81.47
81.86
84.26
90.11
91.04
86.14
85.38
94.76
122.13
133.86
145.51
- -
Basic EPS, GAAP
17.83
19.5
20.75
21.08
21.24
11.11
22.14
22.01
17.72
16.03
27.25
15.57
12.14
- -
Free Cash Flow per Basic Share
57.01
65.57
40.74
60.56
10.14
88.71
62.6
94.15
14.48
35.08
52.4
-71.72
51.94
- -
Dividend per Share
7
7.75
8.25
8.74
9.5
10.25
11.54
11.02
11.03
11.03
11.05
11.04
10.69
- -
Book Value per Share
128.81
142.62
155.14
167.06
178.06
178.64
187.96
198.4
206.33
213.24
231.25
236.96
240.16
- -
Tangible Book Value per Share
99.78
112.71
126.29
138.13
147.86
156.27
162.79
168.76
177.75
184.02
191.26
194.19
202.14
- -
Basic Weighted Avg Shares
1,191
1,191
1,191
1,191
1,191
1,191
1,182
1,177
1,176
1,176
1,173
1,170
1,110
582
Sales/Revenue/Turnover
87,481
93,597
97,025
97,527
100,354
107,353
107,575
101,368
100,375
111,439
143,285
156,657
161,527
- -
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
13,614
17,184
19,848
19,726
18,092
18,016
14,634
14,070
16,388
19,556
23,392
29,173
30,980
- -
Net Income, GAAP
21,236
23,220
24,716
25,114
25,301
13,236
26,162
25,905
20,827
18,854
31,970
18,221
13,476
- -
Effective Tax Rate (%)
38.9
36.98
33.15
31.28
33.71
48.61
34.38
27.82
23.83
32.32
29.18
36.65
36.92
- -
Profit Margin (%)
24.27
24.81
25.47
25.75
25.21
12.33
24.32
25.56
20.75
16.92
22.31
11.63
8.34
- -
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
136,000
126,000
125,022
130,000
105,000
145,000
105,196
105,591
106,936
144,958
194,052
98,343
113,598
- -
Total Equity
153,406
169,888
184,793
199,077
212,023
212,886
222,830
234,675
244,111
254,240
275,854
282,486
286,264
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
6.75
7.94
8.17
7.86
7.83
3.92
7.65
7.8
6.07
5.1
7.36
4.27
3.44
- -
Return on Common Equity (%)
14.57
14.37
13.94
13.09
12.31
6.23
12.05
11.39
8.76
7.65
12.27
6.65
4.83
- -

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
976
1,168
1,168
Market Capitalization
- -
- -
- -

Working Capital

JPY

•

in mil. unless spec.
Sep'26
Mar'26
Jun'27
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
827,582
896,249
- -
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
4.5%
4.08%
1.34%
Free Cash Flow
46.22%
-59.7%
-168.69%
Net Income, GAAP
2.28%
-5.71%
-26.04%
Sales/Revenue/Turnover
5.59%
10.21%
3.11%
Total Cash Common Dividend
2.08%
-1.71%
-8.19%

Quarterly Revenue

JPY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
156,657
2026
- -
- -
- -
- -
161,527
2027
- -
- -
- -
- -
- -

Quarterly Earnings Per Share

JPY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
15.57
2026
- -
- -
- -
- -
12.14
2027
- -
- -
- -
- -
- -

Quarterly Dividends Per Share

JPY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
11.04
2026
- -
- -
- -
- -
10.69
2027
- -
- -
- -
- -
- -

Company Description

CEO
Masaaki Matsuhashi
Full Time Employees
1,393
Sector
Finance
Industry
Major banks
Address
1-6-1, Marunouchi Tokyo TY Japan 100-0005
IPO Date
Feb 29, 2008
Business
Seven Bank, Ltd. specializes in retail banking and financial services primarily in Japan, offering a comprehensive range of products including ordinary deposits, time deposits, unsecured card loans, international money transfer services, debit card services (notably JCB debit cards with IC and nanaco capabilities), and ATM services. It operates a vast ATM network including those located in convenience stores and other retail outlets, supporting cash withdrawal, deposits, transfers, and other banking transactions through multiple channels including internet and mobile platforms. The bank also provides direct banking services facilitating online account management, fund transfers, and loan applications. Founded in 2001 and headquartered in Chiyoda-ku, Tokyo, Seven Bank additionally has a consolidated subsidiary, Bank Business Factory Co., Ltd., which delivers back-office support services to other financial institutions. In recent developments, Seven Bank entered a strategic capital and business alliance with ITOCHU Corporation in September 2025, under which ITOCHU acquired a significant equity stake (initially 16.35% of voting rights) with plans to increase to 20%, aiming to integrate Seven Bank’s customer and service platform with ITOCHU’s financial portfolio to create new business models and deliver higher value-added financial services. Additionally, Seven Bank is considering investment in a FamilyMart-affiliated credit card company and plans to replace 16,500 FamilyMart ATMs with its own machines, expected to enhance annual sales and boost operating profits. The bank reaffirmed its dividend policy following steady half-year financial results and issued updated financial guidance for 2025. Notably, Seven & i Holdings has completed the deconsolidation of Seven Bank, reflecting operational and ownership restructuring within the last year. Seven Bank operates within the financial services industry with a focus on retail banking and payment solutions, targeting individual consumers and other financial institutions in Japan. Its product suite supports both daily banking needs and financial transactions across domestic and international contexts. The bank’s strategic initiatives aim to expand service offerings through partnerships, technological integration, and enhancement of its ATM and retail banking networks to sustain competitive positioning in the evolving banking landscape.