Chugin Financial Group,Inc.
5832.TJPXFinancial ServicesBanks - Regional
Latest quote
¥3,382
−¥29.00 · -0.85%
5832.T company overview
Regular session · JST · Market data may be delayed.
Company profile
Company websiteChugin Financial Group, Inc. offers a comprehensive suite of financial services, primarily through its key subsidiary, The Chugoku Bank, Limited. The company organizes its operations into distinct Banking, Leasing, and Securities divisions. It provides a diverse array of deposit products, encompassing checking, savings, and various time deposits, along with specialized accounts for non-residents, tax payments, offshore purposes, and foreign currency holdings. Beyond deposits, its service portfolio extends to credit guarantees, credit card solutions, investment management and advisory services, financial instruments brokerage, asset management, and a variety of loan offerings. Furthermore, the group undertakes administrative outsourcing and facilitates the leasing and installment sale of properties and goods. Established in 1930 and headquartered in Okayama, Japan, the firm maintains an extensive operational footprint, including a head office, 137 branch locations (comprising numerous sub-branches and branch-in-branch offices), and 234 ATMs across Japan. Internationally, it extends its reach with one branch and four representative offices.
- Industry
- Banks - Regional
- Sector
- Financial Services
- Headquarters
- JP
- CEO
- Sadanori Kato
- Listed since
- Oct 3, 2022
- Employees
- 3,025
Market position
Day range
Current ¥3,382
52-week range
Current ¥3,382
- Open
- ¥3,438
- Previous close
- ¥3,411
- Volume
- 178.1K
- 0.48× average
- Average volume
- 374.58K
- Average daily volume
- Market cap
- 601.21B JPY
- Beta
- 0.74
- Market reference 1
- 50-day average
- ¥3,265.24
- +3.58% above average
- 200-day average
- ¥2,900.92
- +16.58% above average
Financials
Financial snapshot
Latest / TTMValuation & yield
- Enterprise value
- 1.4T JPY
- P/E (TTM)
- 13.75×
- P/B (TTM)
- 0.89×
- P/S (TTM)
- 2.08×
- EV / EBITDA
- 22.95×
- Earnings yield
- 8.05%
- Free cash flow yield
- 15.70%
- Dividend yield
- 2.66%
Profitability & efficiency
- Gross margin
- 73.02%
- Operating margin
- 21.15%
- Net margin
- 15.11%
- Return on equity
- 6.40%
- Return on assets
- 0.35%
- Return on invested capital
- 0.35%
Financial health
- Debt / equity
- 2.61×
- Current ratio
- 1×
- Altman Z-score
- 0.16
- Piotroski F-score
- 6 of 9
Financial statements
Margin trends
Profitability as a percentage of reported revenue.
Income trends
Revenue
Operating income
Net income
| Metric (JPY) | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 244.25B JPY | 209.6B JPY | 180B JPY | 174.96B JPY | 122.29B JPY |
| Cost of goods sold | 83.12B JPY | 88.72B JPY | 70.75B JPY | 33.82B JPY | 13.39B JPY |
| Gross profit | 161.12B JPY | 120.87B JPY | 109.25B JPY | 141.14B JPY | 108.89B JPY |
| Selling, general, and administrative | — | 24.04B JPY | 20.4B JPY | 20.63B JPY | 21.96B JPY |
| Operating expenses | 105.46B JPY | 82.59B JPY | 78.35B JPY | 111.63B JPY | 83.48B JPY |
| Interest income | 169.96B JPY | 150.05B JPY | 124.12B JPY | 93.16B JPY | 66.41B JPY |
| Interest expense | 76.4B JPY | 74.68B JPY | 61.84B JPY | 28.13B JPY | 5.26B JPY |
| Depreciation and amortization | 5.27B JPY | 4.25B JPY | 3.31B JPY | 3.18B JPY | 4.46B JPY |
| Operating income | 55.67B JPY | 38.28B JPY | 30.9B JPY | 29.52B JPY | 25.41B JPY |
| Net income | 39.71B JPY | 27.43B JPY | 21.39B JPY | 20.49B JPY | 18.37B JPY |
Company facts updated Aug 24, 2026.
Earnings
- Latest EPS result
- 78.07
EPS: actual versus estimate
Recent quarterly results
Revenue: actual versus estimate
Recent quarterly results
Corporate actions
Annual dividends per share
Cash distributions grouped by calendar year; partial years are marked.
¥72.50
2025 complete year+133.9% since 2023
2026 partial: ¥53.00
¥31.00
2,023
¥58.50
2,024
¥72.50
2,025
¥53.00
2,026*
* Partial calendar year in the available dividend history.
Corporate action history
| Action | Ex-dividend date | Details | Record date | Payment date |
|---|---|---|---|---|
DividendUpcoming | Sep 29, 2026 | ¥51.00Semi-Annual | Sep 30, 2026 | Sep 29, 2026 |
DividendUpcoming | Mar 31, 2027 | ¥51.00Semi-Annual | Mar 31, 2027 | Mar 31, 2027 |
Dividend | Mar 30, 2026 | ¥53.00Semi-Annual | Mar 31, 2026 | Jun 26, 2026 |
Dividend | Sep 29, 2025 | ¥37.00Semi-Annual | Sep 30, 2025 | Dec 12, 2025 |
Dividend | Mar 28, 2025 | ¥35.50Semi-Annual | Mar 31, 2025 | Jun 27, 2025 |
Dividend | Sep 27, 2024 | ¥26.50Semi-Annual | Sep 30, 2024 | Dec 9, 2024 |
Ex-dividend Sep 29, 2026
¥51.00
Semi-Annual
Record Sep 30, 2026 · Payment Sep 29, 2026
Ex-dividend Mar 31, 2027
¥51.00
Semi-Annual
Record Mar 31, 2027 · Payment Mar 31, 2027
Ex-dividend Mar 30, 2026
¥53.00
Semi-Annual
Record Mar 31, 2026 · Payment Jun 26, 2026
Ex-dividend Sep 29, 2025
¥37.00
Semi-Annual
Record Sep 30, 2025 · Payment Dec 12, 2025
Ex-dividend Mar 28, 2025
¥35.50
Semi-Annual
Record Mar 31, 2025 · Payment Jun 27, 2025
Ex-dividend Sep 27, 2024
¥26.50
Semi-Annual
Record Sep 30, 2024 · Payment Dec 9, 2024
5832.T peers
ETFs holding 5832.T
Funds reporting this stock among their holdings, ordered by reported position size.
iShares Core TOPIX ETF1475.T1.44B0.05%2.89T JPY0.05%¥417.7-0.07%
Vanguard Total International Stock ETFVXUS45.15M0.01%646.2B USD0.05%$87.71+0.78%
Vanguard FTSE Developed Markets ETFVEA30.39M0.01%315B USD0.03%$73.42+0.80%
iShares Core MSCI EAFE ETFIEFA22.51M0.01%195.14B USD0.07%$100.85+0.86%
iShares MSCI EAFE Small-Cap ETFSCZ10.85M0.08%13.28B USD0.40%$86.60+0.70%
Dimensional - International Small Cap Value ETFDISV9.39M0.18%5.23B USD0.42%$44.49+0.86%
Schwab International Equity ETFSCHF7.6M0.01%69.7B USD0.03%$28.46+0.85%
Vanguard FTSE All-World ex-US ETFVEU7.2M0.01%95.9B USD0.04%$85.69+0.82%iShares Core TOPIX ETF1475.T- Market value
- 1.44B
- Weight
- 0.05%
- AUM
- 2.89T JPY
- Expense ratio
- 0.05%
- Price / 1D
- ¥417.7-0.07%
Vanguard Total International Stock ETFVXUS- Market value
- 45.15M
- Weight
- 0.01%
- AUM
- 646.2B USD
- Expense ratio
- 0.05%
- Price / 1D
- $87.71+0.78%
Vanguard FTSE Developed Markets ETFVEA- Market value
- 30.39M
- Weight
- 0.01%
- AUM
- 315B USD
- Expense ratio
- 0.03%
- Price / 1D
- $73.42+0.80%
iShares Core MSCI EAFE ETFIEFA- Market value
- 22.51M
- Weight
- 0.01%
- AUM
- 195.14B USD
- Expense ratio
- 0.07%
- Price / 1D
- $100.85+0.86%
iShares MSCI EAFE Small-Cap ETFSCZ- Market value
- 10.85M
- Weight
- 0.08%
- AUM
- 13.28B USD
- Expense ratio
- 0.40%
- Price / 1D
- $86.60+0.70%
Dimensional - International Small Cap Value ETFDISV- Market value
- 9.39M
- Weight
- 0.18%
- AUM
- 5.23B USD
- Expense ratio
- 0.42%
- Price / 1D
- $44.49+0.86%
Schwab International Equity ETFSCHF- Market value
- 7.6M
- Weight
- 0.01%
- AUM
- 69.7B USD
- Expense ratio
- 0.03%
- Price / 1D
- $28.46+0.85%
Vanguard FTSE All-World ex-US ETFVEU- Market value
- 7.2M
- Weight
- 0.01%
- AUM
- 95.9B USD
- Expense ratio
- 0.04%
- Price / 1D
- $85.69+0.82%
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