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Kyushu Financial Group

TYO:7180 · JP3246500007
BanksSmall

360

12
Profit price33
Cash yield37
Price/Sales78
EV / Gross Profit89
Price/Book85
Returns on capital31
Profit margins—
Cash Conversion15
Accruals18
Owner Earnings Margin22
Sales growth68
Profit growth10
Reinvestment89
Price momentum89
Debt load31
Debt serviceability38
Liquidity58
Analyst ratings34
Opinion Changes50
Price Target Upside11
Market mood79
Value Creation0/20not creating value
  • 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

Kyushu Financial Group doesn't consistently earn more than its cost of capital, so it isn't yet creating shareholder value.

Based on 1/5 components.

Profile

CountryJapan
IndustryBanks
SizeSmall
TypePublic Company
ExchangeTSE
Founded2015
Employees1
Websitekyushu-fg.co.jp
ISINJP3246500007
Last UpdateApr 2, 2026
Index & Theme
Consumer LendingDigital BrokerageBankingFinanceFinancial Services

Description

Kyushu Financial Group, Inc. engages in the banking and other financial activities. Loans The company provides a variety of loan products, each tailored to meet specific financial requirements. The key loan products and services include: Personal…

Analysis

Weak and unloved

Kyushu Financial Group, Inc. is weak and unloved: below-average business metrics and a price that reflects that disappointment.

The price is attractive. You pay 14.5× its owner earnings: the cash an owner could take out each year, which is in the historically attractive zone.

The trajectory is moderate and the balance sheet is stretched. The company scores 0/20 on our value-creation score: not creating value. Analyst sentiment is cautious.

Nothing is flagged here: no red or amber gates, no divergence between profits and cash. That is itself information: the numbers are straightforward. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
79
2023202420252026

All-time high

89

Mar 2026

All-time low

36

Jan 2025

Average rank

62

across all years

Detailed & Historical Ranks

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

Current202520242023
Price/Sales
78
97
35
94
Price/Earnings
39
74
40
48
Price/Book
85
100
75
88
Dividend Yield
37
6
4
10
Value (overall)
71
83
28
61

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

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The companies this stock is ranked against.

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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 →