1. Japan Stocks

  2. •

    Finance

  3. •

    Regional banks
San ju San Financial Group, Inc.

San ju San Financial Group, Inc.

TTSE:7322
1,839.00
JPY
-85.00
(-4.42%)
149.74BMarket Cap
Nov 13Next Earn
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
2026 Y
TTM
Revenue per Share
613.47
632.13
686.8
637.98
597.51
612.59
650.42
764.07
- -
Basic EPS, GAAP
500.93
39.87
40.14
47.08
60.83
66.37
83.13
118.61
- -
Free Cash Flow per Basic Share
-241.97
-1,127.04
2,516.35
3,547.55
-3,696.77
606.64
56.15
-530.17
- -
Dividend per Share
26.78
21.36
21.37
21.38
19.75
18.1
20.35
31.89
- -
Book Value per Share
2,324.38
2,181.37
2,286.99
2,200.46
1,871.5
2,048.54
1,978.58
2,221.09
2,221.09
Tangible Book Value per Share
2,268.18
2,098.37
2,186.25
2,105.56
1,797.99
1,994.98
1,934.93
2,166.56
2,166.56
Basic Weighted Avg Shares
104
104
104
104
104
104
104
104
104
Sales/Revenue/Turnover
64,022
65,810
71,501
66,472
62,201
63,723
67,700
79,551
- -
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
3,237
3,455
3,994
5,293
4,648
4,408
4,369
4,414
- -
Net Income, GAAP
52,277
4,151
4,179
4,905
6,332
6,904
8,653
12,349
- -
Effective Tax Rate (%)
2.7
31.26
22.69
- -
29.2
33.67
26.49
25
- -
Profit Margin (%)
81.65
6.31
5.84
7.38
10.18
10.83
12.78
15.52
- -
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
133,127
110,513
243,487
578,134
208,155
291,345
304,159
282,548
282,548
Total Equity
244,335
227,465
238,491
229,636
195,019
213,145
206,011
231,174
231,174
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
1.06
1.01
- -
1.04
1.52
1.71
2.41
- -
Return on Common Equity (%)
- -
1.77
1.8
2.1
2.99
3.39
4.13
5.65
- -

Capital Structure

JPY

•

in mil. unless spec.
Jun'26
Sep'26
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
104
104
104
Market Capitalization
77,036
94,052
149,744

Working Capital

JPY

•

in mil. unless spec.
Jun'26
Sep'26
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
- -
402,793
353,767
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
- -
-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

JPY

•

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

JPY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
23.06
15.34
18.96
9.02
66.37
2025
- -
- -
- -
- -
83.13
2026
- -
- -
- -
- -
118.61

Quarterly Dividends Per Share

JPY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
18.1
2025
- -
- -
- -
- -
20.35
2026
- -
- -
- -
- -
31.89

Company Description

Company Profile APIChatGPT
CEO
Gotaro Michihiro
Full Time Employees
2,325
Sector
Finance
Industry
Regional banks
Address
7-8 Nishishinchi Yokkaichi MIE Japan 510-0087
IPO Date
Apr 2, 2018
Website
33fg.co.jp
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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.