Tokyo Kiraboshi Financial Group, Inc.

Tokyo Kiraboshi Financial Group, Inc.

TTSE:7173
1,469.00
JPY
-60.00
(-3.92%)
333.42BMarket Cap
Oct 30Next Earn
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
339.42
309.69
309.96
309.69
295.13
364.33
365.25
427.47
489.79
527.07
599.71
683.59
- -
Basic EPS, GAAP
329.8
40.48
104.73
15.08
20.18
31.52
17.12
74.94
87.67
104.95
128.46
172.39
- -
Free Cash Flow per Basic Share
795.17
447.28
-39.67
-691.11
-463.17
89.8
926.23
248.37
-195.61
1,123.82
-998.79
-594.87
- -
Dividend per Share
10.1
7.51
7.7
8.54
8.49
8.52
8.52
8.56
13.35
16.93
18.91
21.27
- -
Book Value per Share
869.97
872.91
1,161.05
1,192.75
1,204.64
1,212.25
1,278.87
1,320.91
1,357.04
1,508.42
1,535.43
1,747.57
- -
Tangible Book Value per Share
855.81
864.14
1,153.24
1,183.05
1,191.89
1,196.72
1,251.6
1,288.16
1,303.4
1,435.56
1,468.46
1,685.66
- -
Basic Weighted Avg Shares
174
233
244
244
244
243
243
243
241
244
244
246
247
Sales/Revenue/Turnover
58,961
72,006
75,571
75,495
71,876
88,514
88,771
103,721
118,154
128,828
146,407
167,963
- -
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
2,508
3,485
3,023
3,254
4,787
3,958
4,820
5,112
5,777
5,999
7,870
7,964
- -
Net Income, GAAP
57,290
9,412
25,535
3,677
4,914
7,657
4,161
18,183
21,150
25,652
31,361
42,357
- -
Effective Tax Rate (%)
7.83
35.14
6.83
22.07
- -
7.23
48.62
26.6
33.88
21.75
31.44
30.37
- -
Profit Margin (%)
97.17
13.07
33.79
4.87
6.84
8.65
4.69
17.53
17.9
19.91
21.42
25.22
- -
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
38,009
28,425
144,122
132,548
157,140
264,069
305,004
585,228
534,933
715,261
79,326
91,465
- -
Total Equity
202,579
203,213
283,355
291,018
293,122
294,461
310,879
319,311
326,972
365,128
371,316
423,439
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
3.98
7.74
0.86
- -
1.52
0.71
2.39
2.4
2.64
4.1
8.77
- -
Return on Common Equity (%)
- -
4.64
10.51
1.28
1.68
2.61
1.37
5.77
6.55
7.41
8.52
10.66
- -

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
242
242
286
Market Capitalization
218,702
333,420
515,229

Working Capital

JPY

•

in mil. unless spec.
Sep'26
Mar'26
Jun'27
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
1,135,015
826,022
- -
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
8.14%
6.5%
14.04%
Free Cash Flow
114.96%
-232.49%
-40.06%
Net Income, GAAP
56.14%
86.38%
35.06%
Sales/Revenue/Turnover
9.17%
13.63%
14.72%
Total Cash Common Dividend
12.65%
21.72%
13.21%

Quarterly Revenue

JPY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
146,407
2026
- -
- -
- -
- -
167,963
2027
- -
- -
- -
- -
- -

Quarterly Earnings Per Share

JPY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
128.46
2026
- -
- -
- -
- -
172.39
2027
- -
- -
- -
- -
- -

Quarterly Dividends Per Share

JPY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
18.91
2026
- -
- -
- -
- -
21.27
2027
- -
- -
- -
- -
- -

Company Description

CEO
Hisanobu Watanabe
Full Time Employees
2,744
Sector
Finance
Industry
Major banks
Address
3-10-43 Minami Aoyama Tokyo TY Japan 107-0062
IPO Date
Oct 1, 2015
Business
Tokyo Kiraboshi Financial Group, Inc. (7173.T) is a Japan-based regional financial holding company that, through its subsidiaries, provides comprehensive banking, leasing, securities, consulting, and fintech services primarily to small and medium-sized enterprises (SMEs), individuals, and corporate clients across Japan. Established on October 1, 2014, and headquartered at 10-43 Minamiaoyama 3-chome, Minato-ku, Tokyo 107-0062, the group operates approximately 150 branches nationwide with a focus on the Tokyo metropolitan area; its core offerings include deposits, lending, foreign exchange, trust services, and investment securities in the banking segment; movable property leasing, business succession support, and merger and acquisition advisory in the leasing and consulting segments; securities trading, asset management, and investment trust management; credit card issuance including Kiraboshi JCB and debit cards; digital platforms such as LaLaPay Plus mobile wallet, UI Bank for digital deposits and loans, cardless ATM withdrawals, gig worker matching, payment collection systems, and overseas remittances; non-financial services encompassing life/non-life insurance products, points programs, and procurement of advertising supplies and office equipment; as well as collection agency, system development, and building maintenance services. Recent strategic developments include a May 2023 business alliance agreement with MC to enhance service capabilities; an April 2025 memorandum of understanding (MOU) with Hancom to expand into Japan's AI market; ongoing investments through funds such as Yume Habataki Fund for startups, A&KC Mezzanine Finance, KCP Equity Assist, and Tokyo Sparkle totaling over ¥65 billion in commitments as of September 2024; a 2021 minority stake acquisition in a fintech startup projected to add ¥5 billion in revenues; and the launch of digital initiatives like mobile payment platforms for workplaces, AI-driven online banking enhancements, and a pivot to solution-based models emphasizing M&A support, equity investments, and life plan consulting under its medium-term business plan targeting sustainable regional growth amid positive interest rates and digital transformation. The group maintains total assets of approximately ¥3.5 trillion and a customer deposit base of ¥2.5 trillion as of FY2023, with FY2024 profits exceeding prior-year levels through strengthened customer relations and high-quality consulting.