7381
Hokkoku Financial Holdings, Inc.
株式会社ＣＣＩグループ
Banks
CCI Group, Inc. operates as a holding company for The Hokkoku Bank,Ltd. that provides various financial services in Japan. It operates through the Banking Business and Leasing Business segments. The Banking Business segment provides banking services, credit guarantee related to consumer finance services, credit card services, e-commerce website operation business, servicer business, system development/management /administration services, investment advisory, consulting services, back-office services, and fund administration services. The company was formerly known as Hokkoku Financial Holdings, Inc. and changed its name to CCI Group, Inc. in October 2025. The Leasing Business segment offers leasing services. The company was founded in 1943 and is headquartered in Kanazawa, Japan.
Price
¥1,037
Market Cap
¥23.6B
Ent. Value
¥-1,344,316M
Net Cash
est
¥1.4T
Shares Out.
22.8M
P / E
18.5×
EV / EBIT
—
P / Book
0.95×
P / NCAV
N/M
Div. Yield
10.61%
Financials
| Metric |
FY 2025
TDnet |
FY 2024
EDINET ↗ |
FY 2023
EDINET ↗ |
FY 2022
EDINET ↗ |
FY 2021
EDINET ↗ |
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|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | ¥6,536.8B | ¥6,393.1B | ¥5,758.7B | ¥5,603.7B | ¥5,712.2B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| PP&E | ¥49.8B | ¥45.1B | ¥37.9B | ¥32.1B | ¥31.4B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Goodwill | — | ¥963M | ¥1.0B | — | — | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Intangible Assets | — | ¥13.2B | ¥10.3B | ¥8.5B | ¥9.9B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Deferred Tax Assets | — | ¥13.9B | ¥1.1B | ¥4.6B | ¥265M | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Total Liabilities | ¥6,283.0B | ¥6,172.2B | ¥5,505.7B | ¥5,366.0B | ¥5,448.0B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Total LT Borrowings | — | ¥20.0B | ¥20.0B | ¥20.0B | ¥20.0B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Pension Obligations | — | — | ¥684M | ¥1.4B | ¥2.4B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Deferred Tax Liab. | — | ¥1.3B | ¥4.5B | ¥1.2B | ¥4.4B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Total Equity | ¥253.8B | ¥220.9B | ¥253.0B | ¥237.7B | ¥264.3B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Capital Stock | — | ¥10.0B | ¥10.0B | ¥10.0B | ¥10.0B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Capital Surplus | — | ¥10.8B | ¥19.5B | ¥27.1B | ¥29.7B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Retained Earnings | ¥209.8B | ¥200.7B | ¥195.2B | ¥188.4B | ¥182.4B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Treasury Stock | — | ¥-3.5B | ¥-9.8B | ¥-8.2B | ¥-3.1B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| AOCI | — | ¥-6.0B | ¥29.3B | ¥12.3B | ¥37.6B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Equity (owners) | ¥224.0B | ¥218.0B | ¥214.9B | ¥217.4B | ¥219.0B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minority Interests | — | ¥8.9B | ¥8.7B | ¥8.0B | ¥7.7B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Total Interest-Bearing Debt ⓘ | — | ¥20.0B | ¥20.0B | ¥20.0B | ¥20.0B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Net Cash ⓘ | — | ¥1,622.2B | ¥1,550.6B | ¥1,328.0B | ¥1,584.7B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| BV/Share | — | ¥9,562 | ¥9,227 | ¥8,624 | ¥8,137 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Metric |
FY 2025
TDnet |
FY 2024
EDINET ↗ |
FY 2023
EDINET ↗ |
FY 2022
EDINET ↗ |
FY 2021
EDINET ↗ |
|---|---|---|---|---|---|
| Operating CF | ¥-255.8B | ¥490.4B | ¥183.7B | ¥-128.9B | ¥294.1B |
| D&A | ¥5.2B | ¥4.5B | ¥4.0B | ¥4.2B | ¥4.3B |
| Goodwill Amort. | — | ¥53M | ¥53M | — | — |
| Investing CF | ¥9.4B | ¥-413.0B | ¥51.4B | ¥-117.4B | ¥-149.1B |
| CapEx | ¥10.5B | ¥9.5B | ¥9.3B | ¥2.5B | ¥2.2B |
| Financing CF | ¥-27.9B | ¥-5.7B | ¥-12.5B | ¥-10.4B | ¥-5.7B |
| Dividends Paid | — | ¥-2.6B | ¥-2.6B | ¥-2.7B | ¥-2.5B |
| Share Buybacks | — | ¥-3.0B | ¥-9.9B | ¥-8.1B | ¥-3.0B |
| Free Cash Flow | ¥-266.3B | ¥480.9B | ¥174.3B | ¥-131.4B | ¥291.9B |
| Net Change in Cash | — | ¥71.7B | ¥222.5B | ¥-256.7B | ¥139.3B |
| Metric |
FY 2025
TDnet |
FY 2024
EDINET ↗ |
FY 2023
EDINET ↗ |
FY 2022
EDINET ↗ |
FY 2021
EDINET ↗ |
|---|---|---|---|---|---|
| ROE | 5.3% | 3.5% | 3.8% | 3.6% | 3.5% |
| ROA | 0.2% | 0.1% | 0.2% | 0.2% | 0.2% |
| EPS | ¥55.98 | ¥355.05 | ¥378.34 | ¥336.06 | ¥340.64 |
| DPS | ¥110.00 | ¥120.00 | ¥110.00 | ¥100.00 | ¥50.00 |
| BPS | ¥1,095.51 | ¥9,338.59 | ¥10,533.34 | ¥9,149.42 | ¥9,576.53 |
| FCF/Share | — | ¥21,096 | ¥7,485 | ¥-5,214 | ¥10,847 |
| Payout Ratio | 196.5% | 33.8% | 29.1% | 29.8% | 14.7% |
Event Timeline
S Shareholder
A Capital Signal
Large Shareholder Reports 2
Capital Allocation Signals 1
| Date | Type | Amount | Summary | |
|---|---|---|---|---|
|
2026-05-22
13:00
|
Div Increase | ¥2.7B ¥12.0/sh | CCI Group announced a year-end dividend of ¥12.00 per share (total ¥2,687 million) with an effective date of June 1, 202… | |
|
Summary
CCI Group announced a year-end dividend of ¥12.00 per share (total ¥2,687 million) with an effective date of June 1, 2026, based on the fiscal year ending March 31, 2026. The announcement reflects a 10-for-1 stock split executed on October 1, 2025; on a split-adjusted basis, full-year dividend is ¥23.00 per share versus ¥12.00 in the prior year, representing an 92% increase. The company targets a dividend payout ratio of approximately 40% while maintaining sustainable profit growth.
Source (JP)
2026年3月31日を基準日とする剰余金の配当を行うことについて決議しました。1株当たり配当金 12円00銭、配当金総額 2,687百万円、効力発生日 2026年6月1日
剰余金の配当に関するお知らせ
TDnet PDF
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| # | 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）
|
3,128 | 13.72% |
| 2 |
Japan Custody Bank
株式会社日本カストディ銀行 （信託口）
|
2,717 | 11.92% |
| 3 |
Hokuriku Electric Power Company
北陸電力株式会社
|
669 | 2.93% |
| 4 |
Employee Stock Ownership Plan
北國フィナンシャルホールディングス社員持株会
|
572 | 2.51% |
| 5 |
DFA INTL SMALL CAP VALUE PORTFOLIO
DFA INTL SMALL CAP VALUE PORTFOLIO (常任代理人 シティバンク銀行株式会社）
|
387 | 1.70% |
| 6 |
DAIDO KOGYO CO.,LTD.
大同工業株式会社
|
369 | 1.62% |
| 7 | 株式会社北國新聞社 | 353 | 1.54% |
| 8 | 沢出商事株式会社 | 324 | 1.42% |
| 9 |
EIZO
EIZO株式会社
|
323 | 1.41% |
| 10 |
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)
|
299 | 1.31% |
as of 2025-03-31
Source: EDINET ↗
Ownership by year — hover bars for detail
Domestic Nominees
25.6%
+0.7% vs 2024
Trust bank custodians — GPIF, pensions, investment trusts
Foreign Custodians
1.3%
+0.1% vs 2024
Sub-custodians for foreign asset managers
Direct / Strategic
13.1%
+0.2% vs 2024
Named entities with disclosed investment intent
Bar = % of shares outstanding · top-10 covers 40.1% · 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 | 10.88% | 13.70% | 13.72% +0.02% | |
| Japan Custody Bank 日本カストディ銀行 | 10.09% | 11.23% | 11.92% +0.69% | |
| Hokuriku Electric Power Company 北陸電力 | 2.65% | 2.87% | 2.93% +0.06% | |
| Employee Stock Ownership Plan 北國フィナンシャルホールディングス社員持株会 | 2.36% | 2.51% | 2.51% | |
| DFA INTL SMALL CAP VALUE PORTFOLIO | 2.21% | 1.83% | 1.70% -0.13% | |
| DAIDO KOGYO CO.,LTD. 大同工業 | 1.46% | 1.58% | 1.62% +0.04% | |
| 式会社北國新聞社 | — | 1.35% | 1.54% +0.19% | |
| 沢出商事 | 1.28% | 1.39% | 1.42% +0.03% | |
| EIZO | 1.28% | 1.38% | 1.41% +0.03% | |
| JP Morgan | — | 1.23% | 1.31% +0.08% | |
| 明治安田生命保険 last seen 2023 | Exited Top 10 | 3.10% | — | — |
| 住友生命保険 last seen 2023 | Exited Top 10 | 1.52% | — | — |
| Concentration (HHI) ⓘ | 255 | 341 | 359 |
3 fiscal years · top-10 holders per year · >2,500 HHI = high concentration · entity-resolved