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Yamaguchi Financial Group

TYO:8418 · JP3935300008
BanksSmall

360

29
Profit price20
Cash yield57
Price/Sales92
Price/Book77
Returns on capital37
Profit margins—
Cash Conversion1
Accruals27
Owner Earnings Margin15
Sales growth98
Profit growth1
Reinvestment78
Price momentum79
Debt load86
Debt serviceability55
Liquidity64
Analyst ratings38
Opinion Changes50
Price Target Upside22
Market mood63
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

Yamaguchi 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
Founded2006
Employees3
Websiteymfg.co.jp
ISINJP3935300008
Last UpdateApr 2, 2026
Index & Theme
FintechConsumer LendingFinanceFinancial Services

Description

Yamaguchi Financial Group, Inc. a financial services company that provides banking products and services. Loans The company offers a wide range of loan products tailored to meet the diverse needs of its customers. These loan products include person…

Analysis

Weak and unloved

Yamaguchi Financial Group, Inc. scores below average on quality and is priced accordingly, a low-conviction position in either direction.

On valuation, the picture is fair. The owner-earnings multiple stands at 17.1×; owner earnings: the cash an owner could take out each year.

Growth is solid; the safety picture is stretched. The company scores 20/20 on our value-creation score: strong value creator. Analyst sentiment is cautious.

No flags apply to this company at this time: accounts, balance sheet, and cash quality all pass. A clean bill of health is meaningful, not just the absence of a warning. This analysis describes numbers; it is not investment advice.

360° rank · history

1007550250
83
2023202420252026

All-time high

83

Jun 2026

All-time low

32

Mar 2026

Average rank

64

across all years

Detailed & Historical Ranks

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

Current202520242023
Price/Sales
92
86
80
92
Price/Earnings
17
81
53
84
Price/Book
77
90
77
95
Dividend Yield
57
55
56
45
Value (overall)
75
91
80
93

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 →