8421
Shinkin Central Bank
信金中央金庫
Financial Services · Banks - Regional
Shinkin Central Bank operates as a central bank for Shinkin banks in Japan. The company provides various products and services, such as deposits, debentures, lending, market fund management, trading operations, clearing, and trust services. It also involved in the brokerage and dealing; business support operations; consumer credit guarantees services; asset management; investment and merger and acquisition advisory operations; and contracted data processing services. Shinkin Central Bank was incorporated in 1950 and is headquartered in Tokyo, Japan.
Price
¥185,500
Market Cap
¥1.5T
Ent. Value
¥-10,743,841M
Net Cash
est
¥12.2T
Shares Out.
8.0M
P / E
39.5×
EV / EBIT
-191.3×
P / Book
0.72×
P / NCAV
N/M
Div. Yield
3.50%
Financials
| Metric |
FY 2025
TDnet |
FY 2024
EDINET ↗ |
FY 2023
EDINET ↗ |
FY 2022
EDINET ↗ |
FY 2021
EDINET ↗ |
|---|---|---|---|---|---|
| Net Sales | ¥662.6B | — | — | — | — |
| Operating Income | ¥56.2B | — | — | — | — |
| Ordinary Income | ¥56.2B | ¥58.6B | ¥44.2B | ¥36.0B | ¥48.2B |
| Pre-tax Income | ¥59.2B | ¥58.3B | ¥44.1B | ¥35.6B | ¥48.2B |
| Income Taxes | ¥15.8B | ¥15.3B | ¥11.8B | ¥9.1B | ¥11.9B |
| Current Tax | — | ¥15.8B | ¥12.2B | ¥9.5B | ¥11.6B |
| Deferred Tax | — | ¥-448M | ¥-473M | ¥-420M | ¥279M |
| Net Income (owners) | ¥43.0B | ¥42.4B | ¥32.1B | ¥26.2B | ¥35.9B |
| Minority Interest | — | ¥523M | ¥176M | ¥327M | ¥341M |
| Comprehensive Income | — | ¥-25.9B | ¥32.6B | ¥-231.5B | ¥-110.7B |
| EPS | ¥4,694.61 | ¥4,630.70 | ¥4,464.33 | ¥3,592.19 | ¥5,041.19 |
| Shares Outstanding | — | 8.0M | 8.0M | 6.0M | 6.0M |
| Shares Issued (total) | — | 8.0M | 8.0M | 6.0M | 6.0M |
| Metric |
FY 2025
TDnet |
FY 2024
EDINET ↗ |
FY 2023
EDINET ↗ |
FY 2022
EDINET ↗ |
FY 2021
EDINET ↗ |
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|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | ¥46,866.5B | ¥48,238.9B | ¥47,622.4B | ¥46,095.3B | ¥43,931.8B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| PP&E | ¥77.7B | ¥76.5B | ¥74.6B | ¥72.0B | ¥72.9B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Intangible Assets | — | ¥24.1B | ¥17.7B | ¥20.4B | ¥17.7B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Deferred Tax Assets | — | ¥96.2B | ¥66.2B | ¥65.4B | ¥4.4B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Total Liabilities | ¥45,228.8B | ¥46,726.4B | ¥46,064.4B | ¥44,750.2B | ¥42,335.5B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Pension Obligations | — | ¥27.1B | ¥34.4B | ¥40.3B | ¥43.1B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Deferred Tax Liab. | — | ¥142M | ¥235M | ¥235M | ¥39.9B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Total Equity | ¥1,637.7B | ¥1,512.4B | ¥1,558.1B | ¥1,345.2B | ¥1,596.3B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Capital Surplus | — | ¥100.7B | ¥100.7B | ¥100.7B | ¥100.7B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Retained Earnings | ¥707.2B | ¥686.1B | ¥663.3B | ¥650.7B | ¥644.1B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| AOCI | — | ¥-179.6B | ¥-110.4B | ¥-110.3B | ¥147.9B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minority Interests | — | ¥14.2B | ¥13.5B | ¥13.1B | ¥12.6B | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Metric |
FY 2025
TDnet |
FY 2024
EDINET ↗ |
FY 2023
EDINET ↗ |
FY 2022
EDINET ↗ |
FY 2021
EDINET ↗ |
|---|---|---|---|---|---|
| Operating CF | ¥-5,269.0B | ¥399.4B | ¥3,110.4B | ¥-171.9B | ¥306.8B |
| D&A | ¥11.5B | ¥10.9B | ¥10.6B | ¥9.9B | ¥9.8B |
| Investing CF | ¥-831.6B | ¥-1,272.2B | ¥-2,202.6B | ¥2,298.5B | ¥1,431.2B |
| CapEx | ¥5.5B | ¥5.9B | ¥6.6B | ¥3.5B | ¥3.8B |
| Financing CF | ¥-22.7B | ¥-19.7B | ¥17.8B | ¥-19.7B | ¥-19.7B |
| Dividends Paid | — | ¥-19.6B | ¥-19.6B | ¥-19.6B | ¥-19.6B |
| Free Cash Flow | ¥-5,274.5B | ¥393.6B | ¥3,103.8B | ¥-175.4B | ¥303.0B |
| Net Change in Cash | — | ¥-892.5B | ¥925.6B | ¥2,106.9B | ¥1,718.3B |
| Metric |
FY 2025
TDnet |
FY 2024
EDINET ↗ |
FY 2023
EDINET ↗ |
FY 2022
EDINET ↗ |
FY 2021
EDINET ↗ |
|---|---|---|---|---|---|
| ROE | 2.7% | 2.8% | 2.2% | 1.8% | 2.2% |
| ROA | 0.1% | 0.1% | 0.1% | 0.1% | 0.1% |
| EPS | ¥4,694.61 | ¥4,630.70 | ¥4,464.33 | ¥3,592.19 | ¥5,041.19 |
| DPS | ¥6,500.00 | ¥3,000.00 | ¥3,000.00 | ¥3,000.00 | ¥3,000.00 |
| BPS | ¥258,011.00 | ¥231,530.45 | ¥242,006.77 | ¥239,364.73 | ¥292,802.41 |
| FCF/Share | — | ¥49,194 | ¥387,979 | ¥-29,232 | ¥50,504 |
| Payout Ratio | 138.5% | 64.8% | 67.2% | 83.5% | 59.5% |
No filings or capital allocation signals recorded for this company.
| # | Shareholder | Shares (thou.) | % of Total |
|---|---|---|---|
| 1 | 京都中央信用金庫 | 201,817 | 2.52% |
| 2 | 城北信用金庫 | 154,655 | 1.93% |
| 3 | 尼崎信用金庫 | 149,433 | 1.87% |
| 4 | 多摩信用金庫 | 146,358 | 1.83% |
| 5 | 浜松いわた信用金庫 | 146,079 | 1.82% |
| 6 | 埼玉縣信用金庫 | 138,720 | 1.73% |
| 7 | 京都信用金庫 | 135,061 | 1.69% |
| 8 | 大阪シティ信用金庫 | 132,695 | 1.66% |
| 9 | 岡崎信用金庫 | 129,388 | 1.62% |
| 10 | 岐阜信用金庫 | 128,881 | 1.61% |
as of 2025-03-31
Source: EDINET ↗
Ownership by year — hover bars for detail
Domestic Nominees
0.0%
+0.0% 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
18.3%
+0.0% vs 2024
Named entities with disclosed investment intent
Bar = % of shares outstanding · top-10 covers 18.3% · grey = other shareholders · 2025
| Shareholder | Trend | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 京都中央信用金庫 | 2.86% | 2.52% | 2.52% | |
| 城北信用金庫 | 2.08% | 1.93% | 1.93% | |
| 尼崎信用金庫 | 1.93% | 1.87% | 1.87% | |
| 多摩信用金庫 | 1.88% | 1.83% | 1.83% | |
| 浜松いわた信用金庫 | 1.88% | 1.82% | 1.82% | |
| 埼玉縣信用金庫 | 1.81% | 1.73% | 1.73% | |
| 京都信用金庫 | 1.75% | 1.69% | 1.69% | |
| 大阪シティ信用金庫 | 1.71% | 1.66% | 1.66% | |
| 岡崎信用金庫 | 1.66% | 1.62% | 1.62% | |
| 岐阜信用金庫 | 1.65% | 1.61% | 1.61% | |
| Concentration (HHI) ⓘ | 38 | 34 | 34 |
3 fiscal years · top-10 holders per year · >2,500 HHI = high concentration · entity-resolved
Portfolio Book Value
¥68,766M
+19% since 2023
Holdings
21
+1 new
1 exited
Trend
5 building
vs 2023
| Held Company | FY2025 ¥68,766M total | FY2023 ¥57,910M total | |||
|---|---|---|---|---|---|
| Book Val ¥M | Shares | Book Val ¥M | Shares | ||
|
Central Japan Railway Company
東海旅客鉄道株式会社
|
28,540 |
+400.0%
↑
10,000,000
|
31,620 | 2,000,000 | M |
|
Mitsubishi UFJ Financial Group, Inc.
株式会社三菱UFJフィナンシャル・グループ
|
8,188 |
4,071,800
|
3,452 | 4,071,800 | |
|
Sumitomo Mitsui Financial Group, Inc.
株式会社三井住友フィナンシャルグループ
|
4,884 |
+200.0%
↑
1,287,000
|
2,272 | 429,000 | |
|
East Japan Railway Company
東日本旅客鉄道株式会社
|
4,428 |
+200.0%
↑
1,500,000
|
3,667 | 500,000 | |
|
Keisei Electric Railway Co.
京成電鉄株式会社
|
3,793 |
+200.0%
↑
2,815,500
|
3,824 | 938,500 | |
|
AEON Co.,Ltd.
イオン株式会社
|
3,750 |
1,000,000
|
2,566 | 1,000,000 | |
|
SAPPORO HOLDINGS LIMITED
サッポロホールディングス株式会社
|
3,365 |
441,200
|
1,502 | 441,200 | M |
|
Mizuho Financial Group, Inc.
株式会社みずほフィナンシャルグループ
|
2,835 |
700,000
|
1,314 | 700,000 | |
|
Electric Power Development Co., Ltd.
電源開発株式会社
|
2,013 |
795,120
|
1,694 | 795,120 | |
| 第一生命ホールディングス株式会社 | 1,255 |
277,100
|
674 | 277,100 | |
|
Keikyu Corporation
京浜急行電鉄株式会社
|
1,113 |
736,000
|
926 | 736,000 | |
|
TOHO GAS CO.,LTD.
東邦瓦斯株式会社
|
827 |
200,000
|
492 | 200,000 | |
|
TOBU RAILWAY CO.,LTD.
東武鉄道株式会社
|
792 |
310,600
|
984 | 310,600 | |
|
Aozora Bank, Ltd.
株式会社あおぞら銀行
|
584 |
284,000
|
681 | 284,000 | M |
|
Nagoya Railway Co.
名古屋鉄道株式会社
|
522 |
NEW
New
300,000
|
— | ||
|
IINO KAIUN KAISHA, LTD.
飯野海運株式会社
|
498 |
500,000
|
502 | 500,000 | |
| 南海電気鉄道株式会社 | 470 |
191,800
|
561 | 191,800 | |
|
JFE Holdings,Inc.
JFEホールディングス株式会社
|
412 |
225,300
|
378 | 225,300 | |
|
Kintetsu Group Holdings Co.
近鉄グループホールディングス株式会社
|
319 |
100,000
|
426 | 100,000 | |
|
Resona Holdings, Inc.
株式会社りそなホールディングス
|
128 |
100,000
|
63 | 100,000 | |
|
Hokkaido Gas Co., Ltd.
北海道瓦斯株式会社
|
50 |
+400.0%
↑
100,000
|
38 | 20,000 | |
|
SAN-AI OBBLI CO.,LTD
三愛オブリ株式会社
|
— |
−100%
Exit
—
|
274 | 200,000 | |
| Portfolio total | 68,766 | 57,910 | |||
Book value in ¥M · ↓ reduced · ↑ increased vs prior year · M = mutual holding