Shizuoka Financial Group Inc

Shizuoka Financial Group Inc maintains a capital structure with a debt-to-equity ratio of 2.18, indicating a moderate reliance on debt financing. The company's liquidity position is assessed as medium, with a negative net cash position after subtracting total debt. The return on equity (ROE) of 1.47% and return on assets (ROA) of 0.11% suggest that the company is generating relatively low returns compared to industry benchmarks.

Profitability metrics for Shizuoka Financial Group Inc show a net income of ¥17.69 billion on total assets of ¥16.14 trillion, resulting in a net profit margin of 0.11%. This margin is below the typical range for banks, which often operate with higher net margins due to the nature of their interest-based income. The company's ROE of 1.47% is also below the industry average, indicating that it is not effectively leveraging its equity to generate returns.

The company's revenue is concentrated in its domestic operations, with no significant international exposure disclosed in the available data. This concentration may limit its ability to diversify risk and capitalize on growth opportunities outside of Japan. The absence of detailed segment reporting makes it difficult to assess the performance of individual business lines.

Looking ahead, Shizuoka Financial Group Inc is expected to maintain a stable revenue trajectory, with no significant growth or decline projected in the current or next fiscal year. The company's capital expenditure of -¥12.08 billion suggests a reduction in investment in physical assets, which may reflect a strategic shift toward cost optimization or a focus on digital transformation.

The risk assessment for Shizuoka Financial Group Inc highlights a medium liquidity risk and a low dilution risk. The company's negative net cash position after subtracting total debt raises concerns about its ability to meet short-term obligations without additional financing. However, the low dilution risk indicates that the company is not currently issuing new shares at a rate that would significantly dilute existing shareholders.

Recent events and disclosures for Shizuoka Financial Group Inc include analyst estimates that suggest a range of price targets from ¥1,900 to ¥3,500, with a mean recommendation of 2.33, indicating a generally positive outlook from analysts. The absence of recent filings or transcripts limits the ability to assess the company's strategic direction and operational performance in detail.

Net income surged 29.2% year-over-year to JPY 74.6 billion, demonstrating strong profitability growth momentum.

Revenue increased 15.1% to JPY 147.1 billion, reflecting robust top-line expansion in the latest fiscal period.

Free cash flow grew 9.4% to JPY 47.2 billion, supporting strong liquidity and potential capital return capacity.

Analysts maintain a buy recommendation with a median price target of JPY 3,100, signaling positive market sentiment.

Return on equity of 1.47% falls in the bottom quartile of peers, signaling weak capital efficiency relative to competitors.

Debt-to-equity ratio of 2.18 is in the bottom quartile, indicating significantly higher leverage than the peer median.

Total assets declined 2.6% year-over-year, suggesting a contracting balance sheet that may limit future lending growth.

Equity decreased 3.0% year-over-year, reflecting a shrinking capital base despite recent net income growth.

Revenue ¥41.72B, +13,1% YoY; Net income +31,0% YoY.

• ▍Revenue ¥41.72B, +13,1% YoY
• ▍Net income +31,0% YoY
• ▍Net margin 55.6%

Revenue ¥40.62B, +23,6% YoY; Net income +72,8% YoY.

• ▍Revenue ¥40.62B, +23,6% YoY
• ▍Net income +72,8% YoY
• ▍Net margin 58.9%

Revenue ¥40.31B, +14,9% YoY; Net income +7,7% YoY.

• ▍Revenue ¥40.31B, +14,9% YoY
• ▍Net income +7,7% YoY
• ▍Net margin 56.0%

Revenue ¥42.28B, +24,9% YoY; Net income +24,9% YoY.

• ▍Revenue ¥42.28B, +24,9% YoY
• ▍Net income +24,9% YoY
• ▍Net margin 52.3%

Revenue ¥36.87B; Net margin 48.0%.

• ▍Revenue ¥36.87B
• ▍Net margin 48.0%

Revenue ¥32.87B; Net margin 42.1%.

• ▍Revenue ¥32.87B
• ▍Net margin 42.1%

Revenue ¥35.09B; Net margin 59.8%.

• ▍Revenue ¥35.09B
• ▍Net margin 59.8%

Revenue ¥33.84B; Net margin 52.3%.

• ▍Revenue ¥33.84B
• ▍Net margin 52.3%

Revenue ¥147.10B, +15,1% YoY; Net income +29,2% YoY.

• ▍Revenue ¥147.10B, +15,1% YoY
• ▍Net income +29,2% YoY
• ▍Free cash flow +9,4% YoY
• ▍Net margin 50.7%

Revenue ¥127.76B, +7,5% YoY; Net income +10,2% YoY.

• ▍Revenue ¥127.76B, +7,5% YoY
• ▍Net income +10,2% YoY
• ▍Free cash flow +3,6% YoY
• ▍Net margin 45.2%

Revenue ¥118.89B, −2,7% YoY; Net income +25,9% YoY.

• ▍Revenue ¥118.89B, −2,7% YoY
• ▍Net income +25,9% YoY
• ▍Free cash flow +29,7% YoY
• ▍Net margin 44.1%

Revenue ¥122.22B, +8,0% YoY; Net income −4,6% YoY.

• ▍Revenue ¥122.22B, +8,0% YoY
• ▍Net income −4,6% YoY
• ▍Free cash flow +15,9% YoY
• ▍Net margin 34.1%