7189
譬ェ蠑丈シ夂、セ隘ソ譌・譛ャ繝輔ぅ繝翫Φ繧キ繝」繝ォ繝帙�シ繝ォ繝�繧」繝ウ繧ー繧ケ
株式会社西日本フィナンシャルホールディングス
Banks
Nishi-Nippon Financial Holdings, Inc., through its subsidiaries, provides financial and non-financial products and services in Japan, China, Hong Kong, and Singapore. The company manages and operates banks that offer various financial solutions, including management and leveraged buyout schemes and funds; real estate-related, MLBO, and ship/ aircraft financing; start-up financing, business succession, and business revitalization; and proposals on long-term diversified investments that leverage NISA, regular investment trusts, and other options; housing and consumer loans; testamentary trust, inheritance management, seniors support trust, annual installment gift trust, and substitute testamentary trust; securities; and credit cards. It also provides digital solutions, such as cashless payments; Nishi-Nippon City Bank App, a mobile banking app for opening savings accounts, conducting card loan and mutual fund transactions, smartphone ATM, foreign currency deposit savings, and reviewing of current life insurance contract; and NCB Business Station, a platform providing financial and non-financial transactions. In addition, the company offers human resources-related support services comprising HR referrals, temporary staffing, HR consultancy, training, and reskilling. Further, the company involved in credit guarantee; financial Instruments; information system services; research and investigation; management consulting; paid employment placement; debt management and collection; investment partnership asset management and administration; payment agency; labor dispatch; and data analysis. It serves SMEs, corporate, and retail customers. The company was formerly known as The Nishi-Nippon City Bank, Ltd. and changed its name to Nishi-Nippon Financial Holdings, Inc. in October 2016. Nishi-Nippon Financial Holdings, Inc. was founded in 1912 and is headquartered in Fukuoka, Japan.
Price
¥3,953
Market Cap
¥550.9B
Ent. Value
¥-833,822M
Net Cash
est
¥1.4T
Shares Out.
139.4M
P / E
13.7×
EV / EBIT
—
P / Book
0.89×
P / NCAV
N/M
Div. Yield
1.14%
Financials
| Metric |
FY 2025
TDnet |
FY 2024
EDINET ↗ |
FY 2023
EDINET ↗ |
FY 2022
EDINET ↗ |
FY 2021
EDINET ↗ |
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|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | ¥13,852.3B | ¥13,582.5B | ¥13,483.1B | ¥12,985.2B | ¥13,127.9B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| PP&E | ¥147.0B | ¥115.0B | ¥116.0B | ¥116.9B | ¥116.2B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Intangible Assets | — | ¥6.3B | ¥5.2B | ¥5.2B | ¥4.2B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Deferred Tax Assets | — | ¥14.4B | ¥1.1B | ¥6.4B | ¥2.1B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Total Liabilities | ¥13,224.8B | ¥13,024.3B | ¥12,898.3B | ¥12,445.7B | ¥12,597.2B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Pension Obligations | — | ¥1.8B | ¥2.0B | ¥4.6B | ¥4.8B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Deferred Tax Liab. | — | ¥1.6B | ¥8.6B | ¥1.1B | ¥844M | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Total Equity | ¥627.4B | ¥558.1B | ¥584.8B | ¥539.4B | ¥530.7B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Capital Stock | — | ¥50.0B | ¥50.0B | ¥50.0B | ¥50.0B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Capital Surplus | — | ¥116.5B | ¥117.6B | ¥118.7B | ¥121.1B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Retained Earnings | ¥392.7B | ¥365.3B | ¥341.3B | ¥325.5B | ¥304.2B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Treasury Stock | — | ¥-7.5B | ¥-6.6B | ¥-5.7B | ¥-5.5B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| AOCI | — | ¥23.3B | ¥72.3B | ¥41.4B | ¥52.3B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Equity (owners) | ¥551.7B | ¥524.3B | ¥502.3B | ¥488.5B | ¥469.8B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minority Interests | — | ¥10.6B | ¥10.2B | ¥9.6B | ¥8.6B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| BV/Share | — | ¥3,762 | ¥3,579 | ¥3,450 | ¥3,257 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Metric |
FY 2025
TDnet |
FY 2024
EDINET ↗ |
FY 2023
EDINET ↗ |
FY 2022
EDINET ↗ |
FY 2021
EDINET ↗ |
|---|---|---|---|---|---|
| Operating CF | ¥-65.7B | ¥-552.2B | ¥197.0B | ¥-639.7B | ¥1,151.1B |
| D&A | ¥6.6B | ¥6.2B | ¥6.0B | ¥5.8B | ¥5.7B |
| Investing CF | ¥-205.9B | ¥38.8B | ¥66.2B | ¥-20.4B | ¥-268.5B |
| CapEx | ¥36.4B | ¥3.7B | ¥3.7B | ¥3.1B | ¥3.3B |
| Financing CF | ¥-13.0B | ¥-10.7B | ¥-9.6B | ¥-8.2B | ¥-7.6B |
| Dividends Paid | — | ¥-8.4B | ¥-7.4B | ¥-5.4B | ¥-4.4B |
| Share Buybacks | — | ¥-2.0B | ¥-2.0B | ¥-2.6B | ¥-3.0B |
| Free Cash Flow | ¥-102.1B | ¥-555.9B | ¥193.3B | ¥-642.9B | ¥1,147.8B |
| Net Change in Cash | — | ¥-524.1B | ¥253.6B | ¥-668.3B | ¥875.0B |
| Metric |
FY 2025
TDnet |
FY 2024
EDINET ↗ |
FY 2023
EDINET ↗ |
FY 2022
EDINET ↗ |
FY 2021
EDINET ↗ |
|---|---|---|---|---|---|
| ROE | 6.8% | 5.5% | 4.3% | 5.0% | 4.5% |
| ROA | 0.3% | 0.2% | 0.2% | 0.2% | 0.2% |
| EPS | ¥288.02 | ¥221.37 | ¥167.11 | ¥181.56 | ¥164.31 |
| DPS | ¥45.00 | ¥75.00 | ¥55.00 | ¥45.00 | ¥35.00 |
| BPS | ¥4,429.25 | ¥3,931.29 | ¥4,096.04 | ¥3,744.47 | ¥3,618.43 |
| FCF/Share | — | ¥-3,989 | ¥1,377 | ¥-4,541 | ¥7,956 |
| Payout Ratio | 15.6% | 33.9% | 32.9% | 24.8% | 21.3% |
Event Timeline
S Shareholder
A Capital Signal
Large Shareholder Reports 5
| # | Shareholder | Shares (thou.) | % of Total |
|---|---|---|---|
| 1 |
Japan Master Trust Bank
日本マスタートラスト信託銀行株式会社(信託口)
|
18,219 | 13.06% |
| 2 |
Japan Custody Bank
株式会社日本カストディ銀行(信託口)
|
13,254 | 9.50% |
| 3 | 株式会社麻生 | 3,238 | 2.32% |
| 4 |
Nippon Life Insurance
日本生命保険相互会社
|
2,780 | 1.99% |
| 5 |
Meiji Yasuda Life Insurance
明治安田生命保険相互会社
|
2,765 | 1.98% |
| 6 | STATE STREET BANK AND TRUST COMPANY 505103(常任代理人 株式会社みずほ銀行決済営業部) | 2,039 | 1.46% |
| 7 |
JA MITSUI LEASING, LTD.
JA三井リース株式会社
|
2,017 | 1.44% |
| 8 |
DFA INTL SMALL CAP VALUE PORTFOLIO
DFA INTL SMALL CAP VALUE PORTFOLIO(常任代理人 シティバンク、エヌ・エイ東京支店 カストディ業務部)
|
1,992 | 1.42% |
| 9 | JP MORGAN CHASE BANK 385781(常任代理人 株式会社みずほ銀行決済営業部) | 1,973 | 1.41% |
| 10 | 住友生命保険相互会社 | 1,959 | 1.40% |
as of 2025-03-31
Source: EDINET ↗
Ownership by year — hover bars for detail
Domestic Nominees
22.6%
-0.8% vs 2024
Trust bank custodians — GPIF, pensions, investment trusts
Foreign Custodians
0.0%
+0.0% vs 2024
Sub-custodians for foreign asset managers
Direct / Strategic
13.4%
+1.7% vs 2024
Named entities with disclosed investment intent
Bar = % of shares outstanding · top-10 covers 36.0% · 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 | 11.86% | 12.28% | 13.06% +0.78% | |
| Japan Custody Bank 日本カストディ銀行 | 11.81% | 11.06% | 9.50% -1.56% | |
| 式会社麻生 | 2.01% | 1.99% | 2.32% +0.33% | |
| Nippon Life Insurance 日本生命保険 | 1.96% | 1.97% | 1.99% +0.02% | |
| Meiji Yasuda Life Insurance 明治安田生命保険 | 1.95% | 1.96% | 1.98% +0.02% | |
| STATE STREET BANK AND TRUST COMPANY 505103 NEW ENTRY | — | — | — | 1.46% NEW |
| JA MITSUI LEASING, LTD. JA三井リース | 1.42% | 1.43% | 1.44% +0.01% | |
| DFA INTL SMALL CAP VALUE PORTFOLIO DFA INTL SMALL CAP VALUE PORTFOLIO | — | 1.41% | 1.42% +0.01% | |
| JP MORGAN CHASE BANK 385781 NEW ENTRY | — | — | — | 1.41% NEW |
| 住友生命保険 NEW ENTRY | 1.38% | — | 1.40% NEW | |
| Resona Bank りそな銀行 last seen 2024 | Exited Top 10 | 1.55% | 1.56% | — |
| Employee Stock Ownership Plan 西日本FHグループ従業員持株会 last seen 2024 | Exited Top 10 | 1.65% | 1.41% | — |
| Concentration (HHI) ⓘ | 301 | 293 | 284 |
3 fiscal years · top-10 holders per year · >2,500 HHI = high concentration · entity-resolved