8418
Yamaguchi Finacial Group,Inc.
株式会社山口フィナンシャルグループ
Financial Services · Banks - Regional
Yamaguchi Financial Group, Inc., together with its subsidiaries, provides various banking products and services in Japan. The company engages in the securities brokerage, credit card, leasing, regional research and consulting, insurance agent, debt management and collection, investment management, fund management, employee benefits agency, and credit guarantee businesses. It is also involved in the agriculture and crowdfunding business, as well as wholesale and retail of agricultural, forestry, and fishery products. Yamaguchi Financial Group, Inc. was incorporated in 2006 and is headquartered in Shimonoseki, Japan.
Price
¥2,740
Market Cap
¥582.1B
Ent. Value
¥-1,018,400M
Net Cash
¥1.6T
Shares Out.
212.4M
P / E
17.4×
EV / EBIT
—
P / Book
0.85×
P / NCAV
N/M
Div. Yield
1.17%
Financials
| Metric |
FY 2025
TDnet |
FY 2024
EDINET ↗ |
FY 2023
EDINET ↗ |
FY 2022
EDINET ↗ |
FY 2021
EDINET ↗ |
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| Total Assets | ¥13,180.5B | ¥12,993.5B | ¥12,548.5B | ¥12,211.6B | ¥12,182.7B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| PP&E | ¥81.3B | ¥80.2B | ¥82.2B | ¥81.1B | ¥83.1B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Goodwill | — | ¥258M | ¥308M | ¥359M | ¥412M | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Intangible Assets | — | ¥7.2B | ¥7.1B | ¥6.6B | ¥7.0B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Deferred Tax Assets | — | ¥12.4B | ¥1.7B | ¥10.0B | ¥3.5B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Total Liabilities | ¥12,510.2B | ¥12,371.3B | ¥11,892.8B | ¥11,597.0B | ¥11,546.3B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Total LT Borrowings | ¥47.4B | ¥67.4B | ¥42.4B | ¥42.4B | ¥20.0B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Pension Obligations | — | ¥2.4B | ¥2.5B | ¥2.6B | ¥2.7B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Deferred Tax Liab. | — | ¥297M | ¥7.7B | ¥683M | ¥1.4B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Total Equity | ¥670.2B | ¥622.2B | ¥655.7B | ¥614.7B | ¥636.3B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Capital Stock | — | ¥50.0B | ¥50.0B | ¥50.0B | ¥50.0B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Capital Surplus | — | ¥33.1B | ¥33.1B | ¥58.6B | ¥58.6B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Retained Earnings | ¥584.8B | ¥564.7B | ¥540.4B | ¥522.9B | ¥511.3B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Treasury Stock | — | ¥-29.2B | ¥-19.3B | ¥-34.8B | ¥-25.0B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| AOCI | — | ¥323M | ¥48.5B | ¥15.1B | ¥35.0B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Equity (owners) | ¥626.8B | ¥618.7B | ¥604.3B | ¥596.7B | ¥594.9B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minority Interests | — | ¥3.1B | ¥2.9B | ¥2.8B | ¥6.4B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Total Interest-Bearing Debt ⓘ | ¥47.4B | ¥67.4B | ¥42.4B | ¥42.4B | ¥20.0B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Net Cash ⓘ | ¥1,600.5B | ¥1,779.2B | ¥1,332.1B | ¥1,812.3B | ¥2,131.8B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| BV/Share | — | ¥2,913 | ¥2,766 | ¥2,643 | ¥2,496 | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Metric |
FY 2025
TDnet |
FY 2024
EDINET ↗ |
FY 2023
EDINET ↗ |
FY 2022
EDINET ↗ |
FY 2021
EDINET ↗ |
|---|---|---|---|---|---|
| Operating CF | ¥-245.1B | ¥615.1B | ¥32.0B | ¥-143.3B | ¥-77.1B |
| D&A | ¥4.7B | ¥4.9B | ¥4.4B | ¥5.0B | ¥5.4B |
| Goodwill Amort. | — | ¥49M | ¥50M | ¥67M | ¥400M |
| Investing CF | ¥92.9B | ¥-146.6B | ¥-493.7B | ¥-155.6B | ¥462.0B |
| CapEx | ¥5.1B | ¥2.0B | ¥5.2B | ¥2.0B | ¥1.5B |
| Financing CF | ¥-46.4B | ¥3.6B | ¥-18.4B | ¥1.8B | ¥-13.2B |
| Dividends Paid | — | ¥-11.3B | ¥-8.3B | ¥-6.8B | ¥-6.7B |
| Share Buybacks | — | ¥-10.0B | ¥-10.8B | ¥-10.0B | ¥-6.5B |
| Free Cash Flow | ¥-250.2B | ¥613.1B | ¥26.7B | ¥-145.4B | ¥-78.6B |
| Net Change in Cash | — | ¥472.1B | ¥-480.2B | ¥-297.2B | ¥371.6B |
| Metric |
FY 2025
TDnet |
FY 2024
EDINET ↗ |
FY 2023
EDINET ↗ |
FY 2022
EDINET ↗ |
FY 2021
EDINET ↗ |
|---|---|---|---|---|---|
| ROE | 5.1% | 5.6% | 4.0% | 2.9% | -2.0% |
| ROA | 0.3% | 0.3% | 0.2% | 0.1% | -0.1% |
| EPS | ¥157.22 | ¥165.17 | ¥114.19 | ¥77.41 | ¥-53.29 |
| DPS | ¥32.00 | ¥60.00 | ¥43.00 | ¥31.00 | ¥28.00 |
| BPS | ¥3,242.96 | ¥2,933.92 | ¥3,009.37 | ¥2,718.04 | ¥2,652.26 |
| FCF/Share | — | ¥2,886 | ¥122 | ¥-644 | ¥-330 |
| Payout Ratio | 20.4% | 36.3% | 37.7% | 40.0% | — |
Capital Allocation Signals 1
| Date | Type | Amount | Summary | |
|---|---|---|---|---|
|
2026-05-08
15:30
|
Buyback | — | Board resolved to repurchase up to 5,000,000 shares. | |
|
Summary
Board resolved to repurchase up to 5,000,000 shares.
Shares: 5,000,000
Source (JP)
式の種類 当社普通株式
(２)取得する株式の総数 5,000,000 株（上限）
（発行済株式総数(自己株式を除く)に対する割合 2.42％）
(３)株式の取得価額の総額 100 億円（上限）
(４)取得期間
(５)取得の方法
2026 年 5 月 11 日～20
自己株式取得に係る事項の決定に関するお知らせ
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）
|
25,999 | 12.24% |
| 2 |
Japan Custody Bank
株式会社日本カストディ銀行（信託口）
|
8,370 | 3.94% |
| 3 |
Meiji Yasuda Life Insurance
明治安田生命保険相互会社 （常任代理人 株式会社日本カストディ銀行）
|
5,747 | 2.70% |
| 4 |
Tokuyama Corporation
株式会社トクヤマ
|
5,000 | 2.35% |
| 5 | 株式会社山田事務所 | 4,512 | 2.12% |
| 6 |
Sumitomo Life Insurance
住友生命保険相互会社 （常任代理人 株式会社日本カストディ銀行）
|
4,041 | 1.90% |
| 7 |
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 （ＵＢＥ株式会社退職給付信託口）
|
4,000 | 1.88% |
| 8 |
Employee Stock Ownership Plan
山口フィナンシャルグループ従業員持株会
|
3,670 | 1.72% |
| 9 | ＵＢＳ ＡＧ ＬＯＮＤＯＮ Ａ／Ｃ ＩＰＢ ＳＥＧＲＥＧＡＴＥＤ ＣＬＩＥＮＴ ＡＣＣＯＵＮＴ （常任代理人 シティバンク、エヌ・エイ東京支店） | 3,314 | 1.56% |
| 10 |
Nippon Life Insurance
日本生命保険相互会社 （常任代理人 日本マスタートラスト信託銀行株式会社）
|
3,150 | 1.48% |
as of 2025-03-31
Source: EDINET ↗
Ownership by year — hover bars for detail
Domestic Nominees
18.1%
+0.1% 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
13.8%
-0.5% vs 2024
Named entities with disclosed investment intent
Bar = % of shares outstanding · top-10 covers 31.9% · 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 | 15.38% | 13.69% | 14.12% +0.43% | |
| Japan Custody Bank 日本カストディ銀行 | 4.03% | 4.25% | 3.94% -0.31% | |
| Meiji Yasuda Life Insurance 明治安田生命保険 | 2.54% | 2.63% | 2.70% +0.07% | |
| Tokuyama Corporation 式会社トクヤマ | 2.28% | 2.36% | 2.35% -0.01% | |
| 式会社山田事務所 | 2.44% | 2.52% | 2.12% -0.40% | |
| Sumitomo Life Insurance 住友生命保険 | 1.79% | 1.84% | 1.90% +0.06% | |
| Employee Stock Ownership Plan 山口フィナンシャルグループ従業員持株会 | 1.87% | 1.78% | 1.72% -0.06% | |
| ＵＢＳ ＡＧ ＬＯＮＤＯＮ Ａ／Ｃ ＩＰＢ ＳＥＧＲＥＧＡＴＥＤ ＣＬＩＥＮＴ ＡＣＣＯＵＮＴ NEW ENTRY | — | — | — | 1.56% NEW |
| Nippon Life Insurance 日本生命保険 | 1.39% | 1.44% | 1.48% +0.04% | |
| Maruha Nichiro Corporation マルハニチロ last seen 2024 | Exited Top 10 | 1.68% | 1.74% | — |
| Concentration (HHI) ⓘ | 282 | 236 | 243 |
3 fiscal years · top-10 holders per year · >2,500 HHI = high concentration · entity-resolved
Portfolio Book Value
¥612M
+12% since 2023
Holdings
2
Trend
Stable
vs 2023
| Held Company | FY2025 ¥612M total | FY2023 ¥546M total | |||
|---|---|---|---|---|---|
| Book Val ¥M | Shares | Book Val ¥M | Shares | ||
|
The Ehime Bank, Ltd.
株式会社愛媛銀行
|
428 |
399,000
|
336 | 399,000 | M |
|
Money Forward, Inc.
株式会社マネーフォワード
|
184 |
46,000
|
210 | 46,000 | |
| Portfolio total | 612 | 546 | |||
Book value in ¥M · ↓ reduced · ↑ increased vs prior year · M = mutual holding