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Kyushu Financial Group, Inc. logo

Kyushu Financial Group, Inc.

7180.T

JPXFinancial ServicesBanks - Regional

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Latest quote

¥1,506.5

−¥0.50 · -0.03%

Aug 24, 3:30 PM JST

7180.T company overview

Regular session · JST · Market data may be delayed.

Company profile

Company website

Kyushu Financial Group, Inc., operating through its numerous subsidiaries, offers a comprehensive range of financial services to customers across Japan. Its business activities are structured around two main segments: Banking and Leasing. The group's core services include deposit products, securities investment management, and both domestic and international foreign exchange transactions. Furthermore, KFG facilitates over-the-counter sales of government and other public bonds, investment trusts, and insurance policies, in addition to providing trust services. Beyond these, the company also delivers credit card services, outsourced computing and software development, and credit guarantees. Its operations also encompass extensive leasing and lending activities, along with participation in the broader financial instruments market. Kyushu Financial Group, Inc. was established in 2015 and maintains its corporate headquarters in Kumamoto, Japan.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
JP
CEO
Yoshihisa Kasahara
Listed since
Oct 2, 2015
Employees
4,858

Market position

Day range

Current ¥1,506.5

52-week range

Current ¥1,506.5

Open
¥1,520
Previous close
¥1,507
Volume
722.5K
0.56× average
Average volume
1.3M
Average daily volume
Market cap
638.09B JPY
Beta
0.31
Market reference 1
50-day average
¥1,503.52
+0.20% above average
200-day average
¥1,260.63
+19.50% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
566.69B JPY
P/E (TTM)
17.5×
P/B (TTM)
0.81×
P/S (TTM)
2.34×
EV / EBITDA
8.86×
Earnings yield
7.77%
Free cash flow yield
19.52%
Dividend yield
1.92%

Profitability & efficiency

Gross margin
83.23%
Operating margin
19.44%
Net margin
13.48%
Return on equity
4.95%
Return on assets
0.28%
Return on invested capital
0.28%

Financial health

Debt / equity
2.15×
Current ratio
3.58×
Altman Z-score
0.19
Piotroski F-score
6 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends101%68%34%1%Gross margin, FY2021: 90.52%Gross margin, FY2022: 92.61%Gross margin, FY2023: 85.93%Gross margin, FY2024: 86.65%Gross margin, FY2025: 81.91%Operating margin, FY2021: 13.15%Operating margin, FY2022: 16.95%Operating margin, FY2023: 17.34%Operating margin, FY2024: 17.24%Operating margin, FY2025: 20.88%Net margin, FY2021: 9.27%Net margin, FY2022: 11.81%Net margin, FY2023: 12.06%Net margin, FY2024: 12.24%Net margin, FY2025: 14.58%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 90.52%. Gross margin FY2022 92.61%. Gross margin FY2023 85.93%. Gross margin FY2024 86.65%. Gross margin FY2025 81.91%. Operating margin FY2021 13.15%. Operating margin FY2022 16.95%. Operating margin FY2023 17.34%. Operating margin FY2024 17.24%. Operating margin FY2025 20.88%. Net margin FY2021 9.27%. Net margin FY2022 11.81%. Net margin FY2023 12.06%. Net margin FY2024 12.24%. Net margin FY2025 14.58%.

Income trends

Revenue

258.37B JPY+4.13%

Operating income

53.94B JPY+26.08%

Net income

37.68B JPY+24.06%
Income trends across reported periods282.54B JPY185.85B JPY89.17B JPY−7.52B JPYRevenue, FY2021: 179.75B JPYRevenue, FY2022: 208.86B JPYRevenue, FY2023: 218.93B JPYRevenue, FY2024: 248.12B JPYRevenue, FY2025: 258.37B JPYOperating income, FY2021: 23.64B JPYOperating income, FY2022: 35.4B JPYOperating income, FY2023: 37.95B JPYOperating income, FY2024: 42.78B JPYOperating income, FY2025: 53.94B JPYNet income, FY2021: 16.66B JPYNet income, FY2022: 24.67B JPYNet income, FY2023: 26.39B JPYNet income, FY2024: 30.37B JPYNet income, FY2025: 37.68B JPYFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 179.75B JPY. Revenue FY2022 208.86B JPY. Revenue FY2023 218.93B JPY. Revenue FY2024 248.12B JPY. Revenue FY2025 258.37B JPY. Operating income FY2021 23.64B JPY. Operating income FY2022 35.4B JPY. Operating income FY2023 37.95B JPY. Operating income FY2024 42.78B JPY. Operating income FY2025 53.94B JPY. Net income FY2021 16.66B JPY. Net income FY2022 24.67B JPY. Net income FY2023 26.39B JPY. Net income FY2024 30.37B JPY. Net income FY2025 37.68B JPY.
Metric (JPY)FY2025FY2024FY2023FY2022FY2021
Revenue258.37B JPY248.12B JPY218.93B JPY208.86B JPY179.75B JPY
Cost of goods sold46.74B JPY33.12B JPY30.81B JPY15.43B JPY17.05B JPY
Gross profit211.63B JPY214.99B JPY188.12B JPY193.43B JPY162.7B JPY
Selling, general, and administrative—40.75B JPY41.52B JPY39.26B JPY40.25B JPY
Operating expenses157.69B JPY172.21B JPY150.17B JPY158.03B JPY139.06B JPY
Interest income155.65B JPY135.25B JPY119.98B JPY111.51B JPY98.27B JPY
Interest expense42.35B JPY31.55B JPY26.04B JPY14.62B JPY8.58B JPY
Depreciation and amortization10.04B JPY9.71B JPY9.26B JPY8.8B JPY8.4B JPY
Operating income53.94B JPY42.78B JPY37.95B JPY35.4B JPY23.64B JPY
Net income37.68B JPY30.37B JPY26.39B JPY24.67B JPY16.66B JPY

Company facts updated Aug 24, 2026.

Earnings

Latest EPS result
29.6

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly EPS actual values compared with estimates32.5825.3218.0710.81Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Q4 2024, reported Nov 14, 2024: actual 12.31, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Feb 13, 2025: actual 14.6, estimate —, surprise —, Comparison unavailable. Q2 2025, reported May 12, 2025: actual 21.81, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Aug 7, 2025: actual 31.08, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Nov 14, 2025: actual 17.02, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Feb 12, 2026: actual 23.58, estimate —, surprise —, Comparison unavailable. Q2 2026, reported May 14, 2026: actual 15.88, estimate —, surprise —, Comparison unavailable. Q3 2026, reported Aug 7, 2026: actual 29.6, estimate —, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates87.78B73.5B59.22B44.94BQ4 '24BeatQ1 '25No estimateQ2 '25No estimateQ3 '25No estimateQ4 '25No estimateQ1 '26No estimateQ2 '26No estimateQ3 '26No estimate
Q4 2024, reported Nov 14, 2024: actual 51.21B JPY, estimate 48.31B JPY, surprise +5.99%, Beat. Q1 2025, reported Feb 13, 2025: actual 58.22B JPY, estimate —, surprise —, Comparison unavailable. Q2 2025, reported May 12, 2025: actual 84.4B JPY, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Aug 7, 2025: actual 64.13B JPY, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Nov 14, 2025: actual 58.4B JPY, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Feb 12, 2026: actual 63.31B JPY, estimate —, surprise —, Comparison unavailable. Q2 2026, reported May 14, 2026: actual 77.49B JPY, estimate —, surprise —, Comparison unavailable. Q3 2026, reported Aug 7, 2026: actual 82.86B JPY, estimate —, surprise —, Comparison unavailable.

Corporate actions

Annual dividends per share

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

¥25.00

2025 complete year+108.3% since 2021

2026 partial: ¥16.00

* Partial calendar year in the available dividend history.

Corporate action history

DividendUpcoming

Ex-dividend Sep 29, 2026

¥19.00

Annual

Record Sep 30, 2026 · Payment Sep 29, 2026

DividendUpcoming

Ex-dividend Mar 30, 2027

¥19.00

Semi-Annual

Record Mar 31, 2027 · Payment Mar 30, 2027

Dividend

Ex-dividend Mar 30, 2026

¥16.00

Special

Record Mar 31, 2026 · Payment Jun 1, 2026

Dividend

Ex-dividend Sep 29, 2025

¥13.00

Special

Record Sep 30, 2025 · Payment Dec 1, 2025

Dividend

Ex-dividend Mar 28, 2025

¥12.00

Annual

Record Mar 31, 2025 · Payment Jun 2, 2025

Dividend

Ex-dividend Sep 27, 2024

¥9.00

Semi-Annual

Record Sep 30, 2024 · Payment Dec 2, 2024

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ETFs holding 7180.T

Funds reporting this stock among their holdings, ordered by reported position size.

iShares Core TOPIX ETF logoiShares Core TOPIX ETF1475.T
Market value
1.46B
Weight
0.05%
AUM
2.89T JPY
Expense ratio
0.05%
Price / 1D
¥417.7-0.07%
Vanguard Total International Stock ETF logoVanguard Total International Stock ETFVXUS
Market value
50.99M
Weight
0.01%
AUM
646.2B USD
Expense ratio
0.05%
Price / 1D
$87.71+0.78%
Vanguard FTSE Developed Markets ETF logoVanguard FTSE Developed Markets ETFVEA
Market value
32.7M
Weight
0.01%
AUM
315B USD
Expense ratio
0.03%
Price / 1D
$73.42+0.80%
iShares Core MSCI EAFE ETF logoiShares Core MSCI EAFE ETFIEFA
Market value
24.16M
Weight
0.01%
AUM
195.14B USD
Expense ratio
0.07%
Price / 1D
$100.85+0.86%
Dimensional - International Small Cap Value ETF logoDimensional - International Small Cap Value ETFDISV
Market value
11.46M
Weight
0.22%
AUM
5.23B USD
Expense ratio
0.42%
Price / 1D
$44.49+0.86%
iShares MSCI EAFE Small-Cap ETF logoiShares 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%
Vanguard FTSE All-World ex-US ETF logoVanguard FTSE All-World ex-US ETFVEU
Market value
7.76M
Weight
0.01%
AUM
95.9B USD
Expense ratio
0.04%
Price / 1D
$85.69+0.82%
Schwab International Equity ETF logoSchwab International Equity ETFSCHF
Market value
7.5M
Weight
0.01%
AUM
69.7B USD
Expense ratio
0.03%
Price / 1D
$28.46+0.85%

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