Kyushu Financial Group,Inc.

7180 株式会社九州フィナンシャルグループ

Banks · Prime · TSE: Disclosed

PRICE: ¥1,445 · MKT CAP: ¥613.0B · P/E: 16.5x · P/B: 0.80x · DIV YIELD: 2.0%

PRICE — 5Y

Characteristics & Business Summary

Kyushu Financial Group, Inc., through its subsidiaries, engages in the banking business in Japan. It operates through the Banking and Leasing segments. The company offers financial services, including lease, credit card, trust, credit guarantee, and financial...

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

Fiscal Period	FY 2020	FY 2021	FY 2022	FY 2023	FY 2024	FY 2025
Net Sales	181	188	214	223	251	14
Operating Profit	22	25	36	38	43	10
Ordinary Profit	22	25	36	38	43	54
Net Profit	15	17	25	26	30	38
EPS	¥34	¥38	¥57	¥61	¥70	¥89
DPS	¥12	¥12	¥12	¥18	¥21	¥29

Balance Sheet & Valuation Highlights

Total Assets ¥13,526B

Net Assets (Equity) ¥761B

Equity Ratio 5.6%

ROE (Return on Equity) 5.4%

Cash & Equivalents ¥1,555B

Interest-Bearing Debt ¥24B

Capital Expenditure (CapEx) ¥8B

Depreciation & Amort. ¥10B

Major Shareholders

1. Japan Master Trust Bank 11.8%
2. 一般財団法人岩崎育英文化財団 4.9%
3. Japan Custody Bank 4.5%
4. Meiji Yasuda Life Insurance 4.4%
5. Employee Stock Ownership Plan 3.0%
6. THE BANK OF FUKUOKA, LTD. 3.0%
7. 宝興業株式会社 2.1%
8. 岩崎産業株式会社 1.8%
9. Citibank, N.A. 1.7%
10. The Miyazaki Bank,Ltd. 1.5%

Activist Activity

No large shareholder activist campaigns detected.

Historical Per-Share Data & Valuation Ratios

Per Share Metric	FY 2020	FY 2021	FY 2022	FY 2023	FY 2024	FY 2025
Revenues per share	¥411	¥434	¥496	¥513	¥580	¥32
FCF/Share	¥1,791	¥4,219	¥-3,777	¥-363	¥-916	¥-158
EPS	¥34	¥38	¥57	¥61	¥70	¥89
DPS	¥12	¥12	¥12	¥18	¥21	¥29
Capital Spending per share	¥16	¥21	¥4	¥9	¥12	¥20
Book Value per share	¥1,395	¥1,438	¥1,483	¥1,526	¥1,579	¥1,653
Common Shares Outstanding	440M	433M	433M	433M	433M	424M

Financial Aggregates & Margins

Financial Aggregate	FY 2020	FY 2021	FY 2022	FY 2023	FY 2024	FY 2025
Revenues (Net Sales)	¥181B	¥188B	¥214B	¥223B	¥251B	¥14B
Operating Margin (%)	12.0%	13.1%	16.6%	17.3%	17.1%	76.0%
Net Profit (owners)	¥15B	¥17B	¥25B	¥26B	¥30B	¥38B
Net Profit Margin (%)	8.3%	8.9%	11.5%	11.9%	12.1%	275.2%
Working Capital	—	—	—	—	—	¥-12,760B
Total Debt (Interest-bearing)	¥0B	¥0B	¥0B	¥0B	¥0B	¥24B
Net Worth (Common Equity)	¥614B	¥622B	¥642B	¥662B	¥684B	¥701B
Return on Total Assets (ROA)	0.1%	0.1%	0.2%	0.2%	0.2%	0.3%
Return on Common Equity (ROE)	2.4%	2.7%	3.8%	4.0%	4.4%	5.4%

Business Summary & Analysis

Capital Strategy Targets

No active capital policy disclosure records found.