7186
Concordia Financial Group, Ltd.
株式会社横浜フィナンシャルグループ
Banks
Yokohama Financial Group, Inc. provides various banking products and services to small and medium-sized businesses and individuals in Japan and internationally. The company offers current, ordinary, savings, and term deposits; loan products; and securities, leasing, information, research and venture capital services. It operates through a network of branches, sub-branches, ATMs, and representative offices. The company was formerly known as Concordia Financial Group, Ltd. and changed its name to Yokohama Financial Group, Inc. in October 2025. Yokohama Financial Group, Inc. was incorporated in 2016 and is headquartered in Tokyo, Japan.
Price
¥1,624
Market Cap
¥1.9T
Ent. Value
¥-2,158,049M
Net Cash
¥4.0T
Shares Out.
1.1B
P / E
17.3×
EV / EBIT
—
P / Book
1.29×
P / NCAV
N/M
Div. Yield
1.05%
Financials
| Metric |
FY 2025
TDnet |
FY 2024
EDINET ↗ |
FY 2023
EDINET ↗ |
FY 2022
EDINET ↗ |
FY 2021
EDINET ↗ |
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|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | ¥25,670.5B | ¥24,793.1B | ¥24,381.7B | ¥25,729.6B | ¥24,060.8B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| PP&E | ¥171.4B | ¥167.7B | ¥168.1B | ¥164.4B | ¥167.8B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Intangible Assets | — | ¥18.2B | ¥18.9B | ¥17.4B | ¥16.6B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Deferred Tax Assets | — | ¥1.6B | ¥983M | ¥30.5B | ¥20.4B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Total Liabilities | ¥24,252.2B | ¥23,500.5B | ¥23,096.9B | ¥24,568.3B | ¥22,896.2B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Total LT Borrowings | ¥35.0B | ¥20.0B | ¥40.0B | ¥60.0B | ¥80.0B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Pension Obligations | — | ¥957M | ¥910M | ¥677M | ¥602M | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Deferred Tax Liab. | — | ¥850M | ¥10.6B | ¥73M | ¥33M | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Total Equity | ¥1,418.3B | ¥1,292.6B | ¥1,284.8B | ¥1,161.3B | ¥1,164.6B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Capital Stock | — | ¥150.1B | ¥150.1B | ¥150.1B | ¥150.1B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Capital Surplus | — | ¥204.7B | ¥231.6B | ¥247.4B | ¥247.4B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Retained Earnings | ¥908.4B | ¥839.1B | ¥784.2B | ¥741.4B | ¥708.5B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Treasury Stock | — | ¥-1.7B | ¥-8.5B | ¥-17.4B | ¥-4.3B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| AOCI | — | ¥95.4B | ¥121.3B | ¥33.9B | ¥57.0B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Equity (owners) | ¥1,220.2B | ¥1,192.3B | ¥1,157.4B | ¥1,121.5B | ¥1,101.6B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minority Interests | — | ¥4.9B | ¥6.1B | ¥5.8B | ¥6.0B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Total Interest-Bearing Debt ⓘ | ¥35.0B | ¥20.0B | ¥40.0B | ¥60.0B | ¥80.0B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Net Cash ⓘ | ¥4,015.2B | ¥4,333.1B | ¥3,985.9B | ¥6,196.9B | ¥5,416.4B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| BV/Share | — | ¥1,042 | ¥992 | ¥953 | ¥916 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Metric |
FY 2025
TDnet |
FY 2024
EDINET ↗ |
FY 2023
EDINET ↗ |
FY 2022
EDINET ↗ |
FY 2021
EDINET ↗ |
|---|---|---|---|---|---|
| Operating CF | ¥-121.7B | ¥376.3B | ¥-2,217.5B | ¥965.5B | ¥1,247.3B |
| D&A | ¥14.5B | ¥12.8B | ¥13.3B | ¥13.2B | ¥13.7B |
| Investing CF | ¥-116.7B | ¥21.6B | ¥37.5B | ¥-148.0B | ¥218.8B |
| CapEx | ¥13.9B | ¥10.2B | ¥9.4B | ¥5.6B | ¥12.3B |
| Financing CF | ¥-64.5B | ¥-70.6B | ¥-51.0B | ¥-56.9B | ¥-43.9B |
| Dividends Paid | — | ¥-29.2B | ¥-24.1B | ¥-23.3B | ¥-20.6B |
| Share Buybacks | — | ¥-20.0B | ¥-7.0B | ¥-13.4B | ¥-3.0B |
| Free Cash Flow | ¥-135.6B | ¥366.1B | ¥-2,226.8B | ¥960.0B | ¥1,235.0B |
| Net Change in Cash | — | ¥327.2B | ¥-2,231.0B | ¥760.6B | ¥1,422.1B |
| Metric |
FY 2025
TDnet |
FY 2024
EDINET ↗ |
FY 2023
EDINET ↗ |
FY 2022
EDINET ↗ |
FY 2021
EDINET ↗ |
|---|---|---|---|---|---|
| ROE | 7.9% | 6.5% | 5.5% | 4.8% | 4.7% |
| ROA | 0.4% | 0.3% | 0.3% | 0.2% | 0.2% |
| EPS | ¥94.02 | ¥71.63 | ¥57.16 | ¥47.39 | ¥44.67 |
| DPS | ¥17.00 | ¥29.00 | ¥23.00 | ¥19.00 | ¥18.00 |
| BPS | ¥1,263.05 | ¥1,128.09 | ¥1,098.40 | ¥984.08 | ¥965.47 |
| FCF/Share | — | ¥320 | ¥-1,909 | ¥816 | ¥1,027 |
| Payout Ratio | 18.1% | 40.5% | 40.2% | 40.1% | 40.3% |
Event Timeline
S Shareholder
A Capital Signal
Large Shareholder Reports 6
Capital Allocation Signals 1
| Date | Type | Amount | Summary | |
|---|---|---|---|---|
|
2026-05-12
15:30
|
Div Increase | ¥38.0/sh +5% | Yokohama Financial Group, announced a final dividend of ¥21.00 per share for FY2026 (ended March 31, 2026), bringing tot… | |
|
Summary
Yokohama Financial Group, announced a final dividend of ¥21.00 per share for FY2026 (ended March 31, 2026), bringing total annual dividend to ¥38.00, consistent with prior guidance. For FY2027, the company projects annual dividend of ¥47.00 per share (¥23.00 interim + ¥24.00 final), representing a 5.3% increase year-over-year, with a target payout ratio of approximately 40% and flexible share buyback execution.
YoY: +5%
Source (JP)
２０２６年３月３１日を基準日とする剰余金の配当（期末配当）として、１株当たり２１円００銭の配当を実施することを決議しました。２０２７年３月期の年間配当金４７円００銭。
剰余金の配当（期末配当）ならびに２０２７年３月期の株主還元方針に関するお知らせ
TDnet PDF
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| # | Shareholder | Shares (thou.) | % of Total |
|---|---|---|---|
| 1 |
The Master Trust Bank of Japan, Ltd. (Trust Account)
日本マスタートラスト信託銀行株式会社（信託口）
|
184,731 | 16.14% |
| 2 |
Japan Custody Bank
株式会社日本カストディ銀行（信託口）
|
81,057 | 7.08% |
| 3 |
Custody Bank of Japan, Ltd. (Trust Account)
みずほ信託銀行株式会社 退職給付信託 明治安田生命保険口 再信託受託者 株式会社日本カストディ銀行
|
36,494 | 3.19% |
| 4 |
Meiji Yasuda Life Insurance
明治安田生命保険相互会社
|
30,061 | 2.62% |
| 5 |
State Street Bank and Trust Company
STATE STREET BANK AND TRUST COMPANY 505001（常任代理人 株式会社みずほ銀行 決済営業部）
|
25,955 | 2.26% |
| 6 |
Nippon Life Insurance
日本生命保険相互会社
|
24,578 | 2.14% |
| 7 |
State Street Bank and Trust Company
STATE STREET BANK WEST CLIENT - TREATY 505234（常任代理人 株式会社みずほ銀行 決済営業部）
|
22,134 | 1.93% |
| 8 | ＪＰモルガン証券株式会社 | 20,777 | 1.81% |
| 9 |
JPMorgan Chase Bank, N.A.
JP MORGAN CHASE BANK 385781（常任代理人 株式会社みずほ銀行 決済営業部）
|
15,439 | 1.34% |
| 10 | 住友生命保険相互会社 | 14,770 | 1.29% |
as of 2025-03-31
Source: EDINET ↗
Ownership by year — hover bars for detail
Domestic Nominees
26.4%
+3.1% vs 2024
Trust bank custodians — GPIF, pensions, investment trusts
Foreign Custodians
5.5%
-1.4% vs 2024
Sub-custodians for foreign asset managers
Direct / Strategic
7.9%
+1.9% vs 2024
Named entities with disclosed investment intent
Bar = % of shares outstanding · top-10 covers 39.8% · grey = other shareholders · 2025
| Shareholder | Trend | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Japan Master Trust Bank 日本マスタートラスト信託銀行 | 14.22% | 14.58% | 16.14% +1.56% | |
| Japan Custody Bank 日本カストディ銀行 | 8.97% | 8.68% | 10.27% +1.59% | |
| State Street | 1.87% | 3.40% | 4.19% +0.79% | |
| Meiji Yasuda Life Insurance 明治安田生命保険 | 3.19% | 2.57% | 2.62% +0.05% | |
| Nippon Life Insurance 日本生命保険 | 2.08% | 2.10% | 2.14% +0.04% | |
| ＪＰモルガン証券 | 2.05% | 1.26% | 1.81% +0.55% | |
| JP Morgan | — | 1.28% | 1.34% +0.06% | |
| 住友生命保険 NEW ENTRY | — | — | — | 1.29% NEW |
| Northern Trust last seen 2024 | Exited Top 10 | 4.45% | 2.25% | — |
| 第一生命保険 last seen 2023 | Exited Top 10 | 1.25% | — | — |
| Concentration (HHI) ⓘ | 326 | 319 | 402 |
3 fiscal years · top-10 holders per year · >2,500 HHI = high concentration · entity-resolved