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Kyoto Financial

TYO:5844 · JP3252200005
BanksSmall

360

8
Profit price52
Cash yield41
Price/Sales25
EV / Gross Profit83
Price/Book44
Returns on capital59
Profit margins—
Cash Conversion6
Accruals38
Owner Earnings Margin36
Sales growth1
Profit Growth100
Long-Term EPS Growth100
Reinvestment60
Price momentum85
Debt load57
Debt serviceability22
Liquidity91
Analyst ratings42
Opinion Changes10
Price Target Upside12
Market mood43
Value Creation20/20strong value creator
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Kyoto Financial generates returns well above its cost of capital, the foundation of durable shareholder value.

Based on 1/5 components.

Profile

CountryJapan
IndustryBanks
SizeSmall
TypePublic Company
ExchangeTSE
Founded1941
Employees6
Websitekyoto-fg.co.jp
ISINJP3252200005
Last UpdateApr 2, 2026
Index & Theme
Utility Scale SolarOnline PaymentsBankingFinanceFinancial Services

Description

Kyoto Financial Group,Inc., through its subsidiary The Bank of Kyoto, Ltd., provides various banking products and services. Business Segments The company primarily operates within the banking sector. It offers a diverse array of financial products…

Analysis

Middle-of-the-road

Kyoto Financial Group,Inc. is a middle-of-the-road business: neither the economics nor the price stand out from the peer group.

The price is attractive. You pay 12.4× its owner earnings: the cash an owner could take out each year, which is in the historically attractive zone. At today's price, the market is assuming roughly -0% yearly growth; analysts expect 40%. The price, in other words, assumes less than the experts do.

The trajectory is weak and the balance sheet is stretched. The company scores 20/20 on our value-creation score: strong value creator. Analyst sentiment is cautious.

What to watch: Reported profits have run ahead of actual cash for several periods. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
46
2023202420252026

All-time high

46

Jun 2026

All-time low

15

Jan 2023

Average rank

30

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
25
47
25
28
Price/Earnings
63
24
12
10
Price/Book
44
87
61
85
Dividend Yield
41
14
8
6
Value (overall)
41
39
16
21

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →