Yokohama Financial Group, Inc.

Yokohama Financial Group, Inc.

9.35
EUR
-0.30
(-3.11%)
8.61BMarket Cap
Nov 11Next Earn
Yokohama Financial Group, Inc.
TG:YC3
(Tradegate Exchange)

Recent

price

9.35

P/E

ratio

- -

div

yld

- -

ROIC.AI

2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
TTM
JPY
231
236.01
216.6
224.82
222.88
219.64
225.21
244.76
272.02
331.51
- -
Revenue per Share
98.09
52.36
43.46
38.38
20.99
44.68
47.4
57.16
71.64
94.02
- -
Basic EPS, GAAP
767.51
-491.68
182.14
-257.21
1,677.38
1,019.91
804.49
-1,908.73
311.84
-128.05
- -
Free Cash Flow per Basic Share
15.94
14.03
15.57
17.64
16.03
17.04
19.66
20.6
25.23
33.23
- -
Dividend per Share
867.92
916.84
937.23
910.74
955.85
965.5
984.09
1,098.4
1,128.09
1,263.05
- -
Book Value per Share
858.17
906.35
923.66
895.45
941.18
951.63
969.23
1,082.13
1,112.19
1,235.87
- -
Tangible Book Value per Share
1,291
1,268
1,249
1,213
1,206
1,206
1,185
1,171
1,156
1,133
566
Basic Weighted Avg Shares
298,280
299,342
270,523
272,601
268,887
264,887
266,860
286,581
314,419
375,593
- -
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
9,639
10,451
11,787
13,041
13,513
13,724
13,152
13,268
12,774
14,524
- -
Depreciation Expense
126,656
66,413
54,285
46,536
25,326
53,881
56,159
66,931
82,805
106,523
- -
Net Income, GAAP
18.58
31.18
31.33
31.81
28.37
30.84
30.21
26.49
30.14
29.79
- -
Effective Tax Rate (%)
42.46
22.19
20.07
17.07
9.42
20.34
21.04
23.36
26.34
28.36
- -
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
1,954,150
1,411,927
1,045,994
828,086
1,721,474
3,180,442
4,269,539
2,320,391
2,262,436
2,337,253
- -
LT Debt
1,113,700
1,153,999
1,160,146
1,103,972
1,159,098
1,164,624
1,161,252
1,284,765
1,292,591
1,418,343
- -
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
2.34
2.27
2.24
1.02
1.48
1.15
1.48
2.31
2.88
- -
Return on Capital (%)
- -
5.88
4.71
4.13
2.25
4.66
4.85
5.5
6.45
7.92
- -
Return on Common Equity (%)

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
1,135
1,111
1,112
Market Capitalization
1,289,747
1,580,044
1,951,088

Working Capital

JPY

•

in mil. unless spec.
Sep'26
Mar'26
Jun'27
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
3,486,746
4,152,428
- -
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
- -
4.23%
9.73%
Free Cash Flow
- -
-130.51%
-140.25%
Net Income, GAAP
- -
37.7%
28.64%
Sales/Revenue/Turnover
- -
7.16%
19.46%
Total Cash Common Dividend
- -
14.63%
29.08%

Quarterly Revenue

JPY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
314,419
2026
- -
- -
- -
- -
375,593
2027
- -
- -
- -
- -
- -

Quarterly Earnings Per Share

JPY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
71.64
2026
- -
- -
- -
- -
94.02
2027
- -
- -
- -
- -
- -

Quarterly Dividends Per Share

JPY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
25.23
2026
- -
- -
- -
- -
33.23
2027
- -
- -
- -
- -
- -
Business
Yokohama Financial Group, Inc. (7186.T) operates as a bank holding company primarily engaged in banking, securities, leasing, information services, research, and venture capital businesses; it offers deposit products including current, ordinary, savings, and term deposits; loan products such as mortgages, home equity, and consumer loans; credit and debit cards; online and mobile banking; and additional services encompassing securities brokerage, leasing and factoring, consulting, surveys, research, investment trust management, residential-loan guarantees, and financing for small and medium-sized enterprises. The company, founded on April 1, 2016 and headquartered at Tokyo Nihombashi Tower in Chuo-ku, Tokyo, Japan, serves small and medium-sized businesses and individuals through subsidiaries including The Bank of Yokohama Ltd., The Kanagawa Bank Ltd., Higashi-Nippon Bank, Hamagin Tokai Tokyo Securities Co., Ltd., Hamagin Finance Co., Ltd., Hamagin Research Institute, Ltd., Sky Ocean Asset Management Co., Ltd., Yokohama Capital Co., Ltd., and Yokohama Guarantee Co., Ltd.; it maintains a network of branches, sub-branches, ATMs, and representative offices primarily in Japan with international presence in locations such as Shanghai, Singapore, Hong Kong, Bangkok, and New York. In a significant recent development, the company changed its name from Concordia Financial Group, Ltd. to Yokohama Financial Group, Inc. effective October 1, 2025 to reinforce its regional banking identity and deepen collaboration among group entities; it also recently raised its full-year profit and dividend forecasts while announcing a large share buyback program.

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