Shizuoka Financial Group,Inc. logo

Shizuoka Financial Group,Inc.

5831.T

JPXFinancial ServicesBanks - Regional

Latest quote

¥3,418

−¥32.00 · -0.93%

Aug 24, 3:30 PM JST

5831.T company overview

Regular session · JST · Market data may be delayed.

Company profile

Company website

Shizuoka Financial Group,Inc. (SFG) and its affiliates offer an extensive range of banking and financial services. The company's operations are divided into two main divisions: Banking and Leasing. Within its banking arm, SFG focuses on core activities such as accepting deposits, providing loans, managing investment securities, and conducting foreign exchange transactions. The leasing segment primarily deals with finance lease arrangements. Beyond these fundamental services, the group offers corporate and financial management advisory, as well as bill collection. It also undertakes computer system development and operation, provides fee-based job placement, and handles general administrative functions. SFG further provides guarantees for various loans, including residential and consumer financing. Other activities include the acquisition of monetary receivables, real estate appraisals for loan collateral, and the management of dedicated centers for loans, remittances, and bill collection. The company also produces, prints, and binds a variety of documents. Additionally, SFG issues credit and prepaid cards, assists corporate rehabilitation through public offering support services, manages part-time employees, and delivers various finance and securities-related services. Established in 1943, Shizuoka Financial Group,Inc. was previously known as The Shizuoka Bank, Ltd., and its main office is located in Shizuoka, Japan.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
JP
CEO
Hisashi Shibata
Listed since
Oct 3, 2022
Employees
4,226

Market position

Day range

Current ¥3,418

52-week range

Current ¥3,418

Open
¥3,485
Previous close
¥3,450
Volume
1.27M
0.71× average
Average volume
1.79M
Average daily volume
Market cap
1.81T JPY
Beta
0.33
Market reference 1
50-day average
¥3,240.15
+5.49% above average
200-day average
¥2,789.79
+22.52% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
2.22T JPY
P/E (TTM)
18.21×
P/B (TTM)
1.42×
P/S (TTM)
3.92×
EV / EBITDA
15.88×
Earnings yield
6.54%
Free cash flow yield
3.43%
Dividend yield
2.34%

Profitability & efficiency

Gross margin
80.70%
Operating margin
30.83%
Net margin
21.76%
Return on equity
7.34%
Return on assets
0.56%
Return on invested capital
0.56%

Financial health

Debt / equity
1.46×
Current ratio
2.3×
Altman Z-score
0.24
Piotroski F-score
8 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends103%72%41%10%Gross margin, FY2021: 94.90%Gross margin, FY2022: 84.17%Gross margin, FY2023: 72.19%Gross margin, FY2024: 74.68%Gross margin, FY2025: 77.86%Operating margin, FY2021: 24.69%Operating margin, FY2022: 26.25%Operating margin, FY2023: 26.88%Operating margin, FY2024: 31.33%Operating margin, FY2025: 29.95%Net margin, FY2021: 17.48%Net margin, FY2022: 18.76%Net margin, FY2023: 19.53%Net margin, FY2024: 22.35%Net margin, FY2025: 21.32%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 94.90%. Gross margin FY2022 84.17%. Gross margin FY2023 72.19%. Gross margin FY2024 74.68%. Gross margin FY2025 77.86%. Operating margin FY2021 24.69%. Operating margin FY2022 26.25%. Operating margin FY2023 26.88%. Operating margin FY2024 31.33%. Operating margin FY2025 29.95%. Net margin FY2021 17.48%. Net margin FY2022 18.76%. Net margin FY2023 19.53%. Net margin FY2024 22.35%. Net margin FY2025 21.32%.

Income trends

Revenue

424.33B JPY+27.07%

Operating income

127.1B JPY+21.47%

Net income

90.47B JPY+21.24%
Income trends across reported periods462.6B JPY309.52B JPY156.44B JPY3.37B JPYRevenue, FY2021: 238.2B JPYRevenue, FY2022: 279.36B JPYRevenue, FY2023: 295.77B JPYRevenue, FY2024: 333.92B JPYRevenue, FY2025: 424.33B JPYOperating income, FY2021: 58.8B JPYOperating income, FY2022: 73.32B JPYOperating income, FY2023: 79.49B JPYOperating income, FY2024: 104.63B JPYOperating income, FY2025: 127.1B JPYNet income, FY2021: 41.64B JPYNet income, FY2022: 52.4B JPYNet income, FY2023: 57.76B JPYNet income, FY2024: 74.62B JPYNet income, FY2025: 90.47B JPYFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 238.2B JPY. Revenue FY2022 279.36B JPY. Revenue FY2023 295.77B JPY. Revenue FY2024 333.92B JPY. Revenue FY2025 424.33B JPY. Operating income FY2021 58.8B JPY. Operating income FY2022 73.32B JPY. Operating income FY2023 79.49B JPY. Operating income FY2024 104.63B JPY. Operating income FY2025 127.1B JPY. Net income FY2021 41.64B JPY. Net income FY2022 52.4B JPY. Net income FY2023 57.76B JPY. Net income FY2024 74.62B JPY. Net income FY2025 90.47B JPY.
Metric (JPY)FY2025FY2024FY2023FY2022FY2021
Revenue424.33B JPY333.92B JPY295.77B JPY279.36B JPY238.2B JPY
Cost of goods sold93.94B JPY84.53B JPY82.24B JPY44.23B JPY12.15B JPY
Gross profit330.39B JPY249.39B JPY213.53B JPY235.13B JPY226.05B JPY
Selling, general, and administrative36.19B JPY34.97B JPY33.96B JPY33.37B JPY
Operating expenses203.3B JPY144.76B JPY134.04B JPY161.81B JPY167.25B JPY
Interest income255.6B JPY227.83B JPY206.07B JPY158.61B JPY128.19B JPY
Interest expense86.04B JPY80.73B JPY78.32B JPY39.72B JPY5.96B JPY
Depreciation and amortization12.88B JPY13.2B JPY15.23B JPY17.97B JPY19.46B JPY
Operating income127.1B JPY104.63B JPY79.49B JPY73.32B JPY58.8B JPY
Net income90.47B JPY74.62B JPY57.76B JPY52.4B JPY41.64B JPY

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
100%
11 beats, 0 misses, 0 met estimates
Average EPS surprise
+18.75%
11 comparable reports
Latest EPS result
61.69
Estimate 47.15 · Beat by 30.84%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates64.3551.4738.625.72Q1 '25BeatQ2 '25BeatQ3 '25BeatQ4 '25BeatQ1 '26BeatQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Feb 12, 2025: actual 32.32, estimate 28.38, surprise +13.88%, Beat. Q2 2025, reported May 9, 2025: actual 39.55, estimate 32.02, surprise +23.52%, Beat. Q3 2025, reported Aug 7, 2025: actual 41.66, estimate 38.87, surprise +7.18%, Beat. Q4 2025, reported Nov 7, 2025: actual 44.11, estimate 43.48, surprise +1.45%, Beat. Q1 2026, reported Feb 12, 2026: actual 42.89, estimate 34.09, surprise +25.81%, Beat. Q2 2026, reported May 12, 2026: actual 39.02, estimate 32.79, surprise +19.00%, Beat. Q3 2026, reported Aug 6, 2026: actual 61.69, estimate 47.15, surprise +30.84%, Beat. Q4 2026, reported Nov 6, 2026: actual —, estimate 55.65, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates142.03B106.79B71.55B36.31BQ1 '25BeatQ2 '25No estimateQ3 '25BeatQ4 '25BeatQ1 '26BeatQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Feb 12, 2025: actual 82.27B JPY, estimate 42.71B JPY, surprise +92.61%, Beat. Q2 2025, reported May 9, 2025: actual 94.03B JPY, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Aug 7, 2025: actual 91.84B JPY, estimate 52.5B JPY, surprise +74.93%, Beat. Q4 2025, reported Nov 7, 2025: actual 104.22B JPY, estimate 56.7B JPY, surprise +83.81%, Beat. Q1 2026, reported Feb 12, 2026: actual 111.96B JPY, estimate 46.04B JPY, surprise +143.16%, Beat. Q2 2026, reported May 12, 2026: actual 134.67B JPY, estimate 52.36B JPY, surprise +157.20%, Beat. Q3 2026, reported Aug 6, 2026: actual 133.06B JPY, estimate 49.92B JPY, surprise +166.56%, Beat. Q4 2026, reported Nov 6, 2026: actual —, estimate 60.3B JPY, surprise —, Comparison unavailable.

Corporate actions

Annual dividends per share

Cash distributions grouped by calendar year; partial years are marked.

¥74.00

2025 complete year+131.3% since 2023

2026 partial: ¥41.00

* Partial calendar year in the available dividend history.

Corporate action history

DividendUpcoming

Ex-dividend Sep 29, 2026

¥54.00

Semi-Annual

Record Sep 30, 2026 · Payment Sep 29, 2026

DividendUpcoming

Ex-dividend Mar 30, 2027

¥54.00

Semi-Annual

Record Mar 31, 2027 · Payment Mar 30, 2027

Dividend

Ex-dividend Mar 30, 2026

¥41.00

Semi-Annual

Record Mar 31, 2026 · Payment Jun 22, 2026

Dividend

Ex-dividend Sep 29, 2025

¥39.00

Semi-Annual

Record Sep 30, 2025 · Payment Dec 10, 2025

Dividend

Ex-dividend Mar 28, 2025

¥35.00

Semi-Annual

Record Mar 31, 2025 · Payment Jun 23, 2025

Dividend

Ex-dividend Sep 27, 2024

¥25.00

Semi-Annual

Record Sep 30, 2024 · Payment Dec 10, 2024

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