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Nishi-Nippon Financial Holdings, Inc. logo

Nishi-Nippon Financial Holdings, Inc.

7189.T

JPXFinancial ServicesBanks - Regional

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Latest quote

¥4,619

−¥44.00 · -0.94%

Aug 24, 11:30 AM JST

7189.T company overview

Regular session · JST · Market data may be delayed.

Company profile

Company website

Nishi-Nippon Financial Holdings, Inc., founded in Fukuoka, Japan, in 2016, delivers comprehensive banking and financial services via its various subsidiaries. The company caters to both individual clients and small to medium-sized enterprises, operating across Japan and in international markets. Its offerings include a range of deposit and loan products, alongside services for securities investment and both domestic and foreign currency exchange. Furthermore, it provides credit card facilities, credit guarantees, credit management, restructuring support, claims servicing, financial instruments, exchange services, and other related provisions. As of March 31, 2021, its operational footprint encompassed 175 branches of The Nishi-Nippon City Bank, Ltd. and 23 branches of The Bank of Nagasaki, Ltd., all within Japan. Additionally, The Nishi-Nippon City Bank, Ltd. maintained three overseas representative offices in strategic international locations, including Hong Kong, Seoul, Shanghai, and Singapore.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
JP
CEO
Hideyuki Murakami
Listed since
Jan 1, 2001
Employees
4,252

Market position

Day range

Current ¥4,619

52-week range

Current ¥4,619

Open
¥4,687
Previous close
¥4,663
Volume
326.7K
0.7× average
Average volume
464.12K
Average daily volume
Market cap
643.35B JPY
Beta
0.43
Market reference 1
50-day average
¥4,350.2
+6.18% above average
200-day average
¥3,860.26
+19.66% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
1.19T JPY
P/E (TTM)
13.64×
P/B (TTM)
1×
P/S (TTM)
3.81×
EV / EBITDA
18.33×
Earnings yield
7.77%
Free cash flow yield
9.53%
Dividend yield
2.55%

Profitability & efficiency

Gross margin
72.86%
Operating margin
40.62%
Net margin
27.93%
Return on equity
6.50%
Return on assets
0.29%
Return on invested capital
0.29%

Financial health

Debt / equity
3.19×
Current ratio
1.92×
Altman Z-score
0.15
Piotroski F-score
4 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends134%91%48%5%Gross margin, FY2021: 96.38%Gross margin, FY2022: 120.72%Gross margin, FY2023: 122.95%Gross margin, FY2024: 82.99%Gross margin, FY2025: 75.12%Operating margin, FY2021: 27.75%Operating margin, FY2022: 27.40%Operating margin, FY2023: 23.61%Operating margin, FY2024: 23.40%Operating margin, FY2025: 30.54%Net margin, FY2021: 18.10%Net margin, FY2022: 20.94%Net margin, FY2023: 15.97%Net margin, FY2024: 16.11%Net margin, FY2025: 21.07%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 96.38%. Gross margin FY2022 120.72%. Gross margin FY2023 122.95%. Gross margin FY2024 82.99%. Gross margin FY2025 75.12%. Operating margin FY2021 27.75%. Operating margin FY2022 27.40%. Operating margin FY2023 23.61%. Operating margin FY2024 23.40%. Operating margin FY2025 30.54%. Net margin FY2021 18.10%. Net margin FY2022 20.94%. Net margin FY2023 15.97%. Net margin FY2024 16.11%. Net margin FY2025 21.07%.

Income trends

Revenue

190.42B JPY-1.01%

Operating income

58.15B JPY+29.17%

Net income

40.12B JPY+29.48%
Income trends across reported periods209.24B JPY141.72B JPY74.21B JPY6.7B JPYRevenue, FY2021: 133.9B JPYRevenue, FY2022: 124.5B JPYRevenue, FY2023: 147.64B JPYRevenue, FY2024: 192.36B JPYRevenue, FY2025: 190.42B JPYOperating income, FY2021: 37.15B JPYOperating income, FY2022: 34.11B JPYOperating income, FY2023: 34.86B JPYOperating income, FY2024: 45.02B JPYOperating income, FY2025: 58.15B JPYNet income, FY2021: 24.24B JPYNet income, FY2022: 26.07B JPYNet income, FY2023: 23.58B JPYNet income, FY2024: 30.98B JPYNet income, FY2025: 40.12B JPYFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 133.9B JPY. Revenue FY2022 124.5B JPY. Revenue FY2023 147.64B JPY. Revenue FY2024 192.36B JPY. Revenue FY2025 190.42B JPY. Operating income FY2021 37.15B JPY. Operating income FY2022 34.11B JPY. Operating income FY2023 34.86B JPY. Operating income FY2024 45.02B JPY. Operating income FY2025 58.15B JPY. Net income FY2021 24.24B JPY. Net income FY2022 26.07B JPY. Net income FY2023 23.58B JPY. Net income FY2024 30.98B JPY. Net income FY2025 40.12B JPY.
Metric (JPY)FY2025FY2024FY2023FY2022FY2021
Revenue190.42B JPY192.36B JPY147.64B JPY124.5B JPY133.9B JPY
Cost of goods sold47.38B JPY32.71B JPY−975M JPY−8.32B JPY4.85B JPY
Gross profit143.04B JPY159.65B JPY181.52B JPY150.3B JPY129.05B JPY
Selling, general, and administrative—31.28B JPY30.63B JPY30.41B JPY30.89B JPY
Operating expenses84.89B JPY114.63B JPY116.09B JPY108.99B JPY91.9B JPY
Interest income171.7B JPY130.6B JPY116.31B JPY106.14B JPY98.23B JPY
Interest expense41.49B JPY27.76B JPY25.3B JPY12.4B JPY855M JPY
Depreciation and amortization6.58B JPY6.24B JPY5.99B JPY5.85B JPY5.67B JPY
Operating income58.15B JPY45.02B JPY34.86B JPY34.11B JPY37.15B JPY
Net income40.12B JPY30.98B JPY23.58B JPY26.07B JPY24.24B JPY

Company facts updated Aug 24, 2026.

Earnings

Latest fiscal-year EPS
288.02
FY2025 · +30.11% year over year
Latest fiscal-year revenue
190.42B JPY
FY2025 · -1.01% year over year

Annual EPS trend

Reported history and fiscal-year consensus

ReportedConsensus forecast
Annual EPS trend300.39250.91201.42151.94FY21FY22FY23FY24FY25

Annual revenue trend

Reported history and fiscal-year consensus

ReportedConsensus forecast
Annual revenue trend199.14B172B144.86B117.72BFY21FY22FY23FY24FY25

Corporate actions

Annual dividends per share

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

¥90.00

2025 complete year+200.0% since 2021

2026 partial: ¥73.00

* Partial calendar year in the available dividend history.

Corporate action history

DividendUpcoming

Ex-dividend Sep 29, 2026

¥70.00

Semi-Annual

Record Sep 30, 2026 · Payment Sep 29, 2026

DividendUpcoming

Ex-dividend Mar 30, 2027

¥70.00

Semi-Annual

Record Mar 31, 2027 · Payment Mar 30, 2027

Dividend

Ex-dividend Mar 30, 2026

¥73.00

Semi-Annual

Record Mar 31, 2026 · Payment Jun 29, 2026

Dividend

Ex-dividend Sep 29, 2025

¥45.00

Semi-Annual

Record Sep 30, 2025 · Payment Dec 10, 2025

Dividend

Ex-dividend Mar 28, 2025

¥45.00

Semi-Annual

Record Mar 31, 2025 · Payment Jun 30, 2025

Dividend

Ex-dividend Sep 27, 2024

¥30.00

Semi-Annual

Record Sep 30, 2024 · Payment Dec 10, 2024

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ETFs holding 7189.T

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

iShares Core TOPIX ETF logoiShares Core TOPIX ETF1475.T
Market value
1.43B
Weight
0.05%
AUM
2.89T JPY
Expense ratio
0.05%
Price / 1D
¥418.5+0.12%
Vanguard Total International Stock ETF logoVanguard Total International Stock ETFVXUS
Market value
47.22M
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
31.42M
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
29.37M
Weight
0.02%
AUM
195.14B USD
Expense ratio
0.07%
Price / 1D
$100.85+0.86%
Avantis International Small Cap Value ETF logoAvantis International Small Cap Value ETFAVDV
Market value
28.89M
Weight
0.14%
AUM
20.24B USD
Expense ratio
0.36%
Price / 1D
$111.95+1.06%
Dimensional - International Small Cap Value ETF logoDimensional - International Small Cap Value ETFDISV
Market value
21.3M
Weight
0.41%
AUM
5.23B USD
Expense ratio
0.42%
Price / 1D
$44.49+0.86%
Vanguard FTSE All-World ex-US Small-Cap ETF logoVanguard FTSE All-World ex-US Small-Cap ETFVSS
Market value
12.11M
Weight
0.08%
AUM
13.6B USD
Expense ratio
0.06%
Price / 1D
$160.06+0.43%
iShares MSCI EAFE Small-Cap ETF logoiShares MSCI EAFE Small-Cap ETFSCZ
Market value
12.03M
Weight
0.09%
AUM
13.28B USD
Expense ratio
0.40%
Price / 1D
$86.60+0.70%

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