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Chugin Financial Group

TYO:5832 · JP3520700000
BanksSmall

360

33
Medium confidence — indicative
Profit price54
Cash yield77
Price/Sales58
EV / Gross Profit23
Price/Book73
Returns on capital17
Profit margins—
Cash Conversion89
Accruals40
Owner Earnings Margin33
Sales growth63
Profit growth55
Reinvestment84
Price momentum65
Debt load16
Debt serviceability81
Liquidity37
Analyst ratings30
Opinion Changes50
Price Target Upside8
Market mood67
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

Chugin Financial Group 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
Founded2022
Employees14
Websitechugin-fg.co.jp
ISINJP3520700000
Last UpdateApr 2, 2026
Index & Theme
Digital BrokerageConsumer LendingBanking

Description

Chugin Financial Group,Inc. is a Japanese financial services company that operates primarily in the banking sector. The company represents a consolidation of resources and expertise aimed at delivering comprehensive financial solutions to its divers…

Analysis

Deep value

Chugin Financial Group,Inc. lands in the deep-value zone: the price is very low, but so are the business fundamentals.

The price is attractive. You pay 13.4× 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 uncertain. The company scores 20/20 on our value-creation score: strong value creator. 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
69
2023202420252026

All-time high

84

Mar 2026

All-time low

14

Jan 2025

Average rank

47

across all years

Detailed & Historical Ranks

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

Current202520242023
Price/Sales
58
74
79
56
Price/Earnings
62
56
49
32
Price/Book
73
88
95
80
Dividend Yield
77
51
28
23
Value (overall)
81
79
72
41

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 →