Chugin Financial Group, Inc.

5832 株式会社ちゅうぎんフィナンシャルグループ

Banks - Regional · Prime · TSE: Disclosed

PRICE: ¥3,099 · MKT CAP: ¥554.4B · P/E: 13.9x · P/B: 0.89x · DIV YIELD: 2.0%

PRICE — 5Y

Characteristics & Business Summary

Chugin Financial Group,Inc., through its subsidiary The Chugoku Bank, Limited, provides various financial services to corporate and individual customers in Japan. It operates through Banking, Leasing, and Securities segments. The Banking segment offers...

Income Statement Highlights (¥ Billion, except EPS/DPS in ¥)

Fiscal Period	FY 2022	FY 2023	FY 2024	FY 2025	Forecast
Net Sales	184	185	212	—	—
Operating Profit	30	31	38	—	—
Ordinary Profit	30	31	38	56	—
Net Profit	20	21	27	40	21
EPS	¥111	¥118	¥153	¥222	—
DPS	¥16	¥47	¥62	¥37	—

Balance Sheet & Valuation Highlights

Total Assets ¥11,370B

Net Assets (Equity) ¥621B

Equity Ratio 5.4%

ROE (Return on Equity) 7.2%

Cash & Equivalents ¥973B

Interest-Bearing Debt ¥40B

Capital Expenditure (CapEx) ¥7B

Depreciation & Amort. ¥5B

Major Shareholders

1. Japan Master Trust Bank 13.9%
2. Japan Custody Bank 5.0%
3. 岡山土地倉庫株式会社 3.0%
4. Nippon Life Insurance 2.6%
5. Kurashiki Spinning Co., Ltd. 2.5%
6. シーピー化成株式会社 2.5%
7. Employee Stock Ownership Plan 2.2%
8. Meiji Yasuda Life Insurance 2.1%
9. 静林業株式会社 1.3%
10. Sumitomo Life Insurance 1.3%

Activist Activity

No large shareholder activist campaigns detected.

Historical Per-Share Data & Valuation Ratios

Per Share Metric	FY 2022	FY 2023	FY 2024	FY 2025	Forecast
Revenues per share	¥999	¥1,015	¥1,183	—	—
FCF/Share	¥-2,208	¥616	¥201	¥359	—
EPS	¥111	¥118	¥153	¥222	—
DPS	¥16	¥47	¥62	¥37	—
Capital Spending per share	¥12	¥19	¥62	¥37	—
Book Value per share	¥2,730	¥2,833	¥2,949	¥3,086	—
Common Shares Outstanding	184M	182M	179M	—	—

Financial Aggregates & Margins

Financial Aggregate	FY 2022	FY 2023	FY 2024	FY 2025	Forecast
Revenues (Net Sales)	¥184B	¥185B	¥212B	—	—
Operating Margin (%)	16.1%	16.9%	18.1%	—	—
Net Profit (owners)	¥20B	¥21B	¥27B	¥40B	¥21B
Net Profit Margin (%)	11.2%	11.6%	13.0%	—	—
Working Capital	—	—	—	—	—
Total Debt (Interest-bearing)	¥10B	¥10B	¥30B	¥40B	—
Net Worth (Common Equity)	¥502B	¥515B	¥528B	¥552B	—
Return on Total Assets (ROA)	0.2%	0.2%	0.2%	0.3%	—
Return on Common Equity (ROE)	4.1%	4.1%	5.2%	7.2%	—

Business Summary & Analysis

Capital Strategy Targets

No active capital policy disclosure records found.