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    Regional banks
SBI Shinsei Bank, Limited

SBI Shinsei Bank, Limited

1,508.00
JPY
-13.00
(-0.85%)
319.38EPS
Nov 16Next Earn
SBI Shinsei Bank, Limited
TSE:8303
(Tokyo Stock Exchange)

Recent

price

1,508.00

P/E

ratio

- -

div

yld

- -

ROIC.AI

2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
TTM
JPY
29,954,461,538.46
25,750,769,230.77
23,837,769,230.77
23,833,230,769.23
26,600,769,230.77
25,164,307,692.31
27,932,166,666.67
27,677,750,000
26,714,416,666.67
31,453,454,545.45
32,759,500,000
32,552,200,000
33,932,200,000
6,998,596,491.23
582.79
628.15
2,665.86
Revenue per Share
3,280,769,230.77
494,615,384.62
3,929,153,846.15
3,182,615,384.62
5,221,000,000
4,688,538,461.54
4,229,916,666.67
4,284,500,000
4,359,916,666.67
4,143,181,818.18
4,510,900,000
2,038,500,000
4,277,100,000
1,016,210,526.32
112.7
137.67
319.61
Basic EPS, GAAP
6,110,461,538.46
-102,608,923,076.92
11,739,000,000
39,567,000,000
-39,971,769,230.77
12,349,307,692.31
13,067,750,000
11,936,000,000
-678,000,000
26,692,181,818.18
23,727,600,000
-47,977,700,000
129,506,200,000
20,594,929,824.56
2,626.27
2,299.81
- -
Free Cash Flow per Basic Share
- -
204,076,923.08
204,076,923.08
204,076,923.08
204,076,923.08
204,076,923.08
221,083,333.33
215,666,666.67
210,666,666.67
222,909,090.91
230,700,000
258,300,000
246,200,000
42,964,912.28
117.2
2.18
- -
Dividend per Share
42,128,692,307.69
43,521,461,538.46
47,794,461,538.46
50,686,230,769.23
56,325,615,384.62
60,143,692,307.69
68,293,583,333.33
71,175,166,666.67
74,345,166,666.67
82,101,727,272.73
92,244,200,000
92,026,400,000
96,199,800,000
16,890,350,877.19
1,218.62
1,381.21
4,829.96
Book Value per Share
34,743,230,769.23
37,286,615,384.62
42,530,692,307.69
46,252,153,846.15
52,506,000,000
56,382,384,615.38
63,958,583,333.33
66,218,166,666.67
68,746,083,333.33
76,004,181,818.18
85,375,700,000
85,766,000,000
90,094,700,000
15,841,245,614.04
1,147.91
1,317.37
4,542.35
Tangible Book Value per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
750
824
138
Basic Weighted Avg Shares
389,408
334,760
309,891
309,832
345,810
327,136
335,186
332,133
320,573
345,988
327,595
325,522
339,322
398,920
436,946
517,502
366,926
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
24,922
22,085
21,312
20,020
19,072
17,853
17,760
14,959
15,329
16,693
16,984
17,220
18,051
17,461
17,739
16,337
- -
Depreciation Expense
42,650
6,430
51,079
41,374
67,873
60,951
50,759
51,414
52,319
45,575
45,109
20,385
42,771
57,924
84,499
113,415
43,991
Net Income, GAAP
12.5
34.92
- -
3.62
4.62
2.37
2.39
6.93
4.59
8.28
20.08
28.61
17.39
8.02
15.36
7.49
15.84
Effective Tax Rate (%)
10.95
1.92
16.48
13.35
19.63
18.63
15.14
15.48
16.32
13.17
13.77
6.26
12.6
14.52
19.34
21.92
11.99
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
2,383,801
1,200,530
1,408,814
1,129,326
1,321,022
1,083,003
1,130,431
1,000,701
1,112,412
1,434,791
1,643,013
1,551,382
1,015,311
1,686,498
2,167,442
2,970,826
1,008,534
LT Debt
611,154
627,656
683,643
722,588
753,761
793,122
820,785
856,032
896,640
910,483
930,742
924,316
966,505
966,722
959,249
1,233,040
989,689
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
1.19
0.12
- -
1.95
3.38
3.07
2.67
2.69
2.72
2.11
1.87
0.81
1.92
2.5
2.94
3.11
2.22
Return on Capital (%)
8.48
1.15
8.61
6.46
9.76
8.05
6.34
6.14
5.99
5.08
4.94
2.21
4.54
6.02
8.81
10.4
4.55
Return on Common Equity (%)

Capital Structure

JPY

•

in mil. unless spec.
Mar'23
Jun'24
Sep'24
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
143
- -
204
Market Capitalization
- -
- -
- -

Working Capital

JPY

•

in mil. unless spec.
Mar'23
Jun'24
Sep'24
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
1,992,878
1,906,126
2,083,079
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
4.79%
6.33%
28.54%
Free Cash Flow
-446.22%
-123.51%
-3.78%
Net Income, GAAP
14.3%
34.11%
34.22%
Sales/Revenue/Turnover
4.98%
9.83%
18.44%
Total Cash Common Dividend
- -
679.39%
-97.95%

Quarterly Revenue

JPY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
102,140
99,954
- -
- -
398,920
2025
- -
- -
- -
- -
436,946
2026
- -
- -
- -
- -
517,502

Quarterly Earnings Per Share

JPY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1,316,000,000
91.06
- -
- -
1,016,210,526.32
2025
- -
- -
- -
- -
112.7
2026
- -
- -
- -
- -
137.67

Quarterly Dividends Per Share

JPY

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
42,964,912.28
2025
- -
- -
- -
- -
117.2
2026
- -
- -
- -
- -
2.18
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Business
SBI Shinsei Bank, Limited SBI Shinsei Bank, Limited (8303.T) is a Japan-based commercial bank that provides a comprehensive range of banking and financial products and services to individual, corporate, public-sector, and institutional customers primarily in Japan. The bank offers yen and foreign currency deposits, structured deposits; home mortgages; corporate loans including startup finance, real estate non-recourse finance, project finance, renewable energy finance, acquisition finance, ship finance, healthcare finance, sustainable finance and impact finance, M&A-related finance, and specialty finance; loan syndication; foreign exchange and derivatives; M&A advisory; credit trading; private equity; business succession support; wealth management; prepaid and credit cards; trust services; leasing; equity and capital markets transactions; securities; asset management; unsecured loans; housing loans; investment trusts; brokerage; life and non-life insurance; consumer finance; credit guarantee; installment sales finance; loan and payment services; and treasury services. Established in December 1952 as the Long-Term Credit Bank of Japan and rebranded as Shinsei Bank in 2000, it is headquartered at Nihonbashi Muromachi Nomura Building in Chuo-ku, Tokyo, and operates 23 head office branches and 2 annexes as a core banking entity within the SBI Group following its acquisition by SBI Holdings, Inc. in December 2021 and delisting in September 2023. Recent developments include the formulation of a new three-year medium-term management plan starting fiscal 2025 to drive growth and profitability; plans announced in January 2025 to repay 100 billion yen of remaining public funds by March 2025 via equity contributions and capital injection from SBI Holdings, with further repayments targeted promptly thereafter alongside capital reduction preparations and re-listing considerations; a July 2025 business partnership with NEC Corporation and Showa Lease Co., Ltd. to enhance corporate value and expand operations; the September 2025 launch of SBI Hyper Yokin, a dedicated settlement account in collaboration with SBI Securities; and exploration of tokenised deposit services for corporate clients, including cross-border transactions in multiple currencies, in partnership with Partior as of September 2025.