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San ju San Financial Group,Inc. logo

San ju San Financial Group,Inc.

7322.T

JPXFinancial ServicesBanks - Regional

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Latest quote

¥2,005

−¥7.00 · -0.35%

Aug 24, 1:20 PM JST

7322.T company overview

Regular session · JST · Market data may be delayed.

Company profile

Company website

San ju San Financial Group, Inc. delivers a broad spectrum of financial and banking solutions. The company's operations are structured across two primary divisions: Banking and Leasing. The Banking segment manages deposit accounts, offers investment products such as government bonds and investment trusts, provides lending services, executes domestic and foreign currency exchanges, distributes insurance policies, and handles corporate bond custody and registration. The Leasing division is dedicated to its core leasing activities. Additionally, the group extends its services to include credit card issuance and credit guarantee programs. This enterprise, founded in 1895, maintains its headquarters in Yokkaichi, Japan.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
JP
CEO
Gotaro Michihiro
Listed since
Apr 2, 2018
Employees
2,325

Market position

Day range

Current ¥2,005

52-week range

Current ¥2,005

Open
¥2,044
Previous close
¥2,012
Volume
122.1K
0.31× average
Average volume
397.51K
Average daily volume
Market cap
208.64B JPY
Beta
0.94
Market reference 1
50-day average
¥1,847.66
+8.52% above average
200-day average
¥1,501.65
+33.52% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
78.25B JPY
EV / EBITDA
3.75×
Earnings yield
8.24%
Free cash flow yield
11.23%

Profitability & efficiency

Return on equity
5.34%
Return on assets
0.27%
Return on invested capital
0.27%

Financial health

Current ratio
2.51×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends106%70%34%-2%Gross margin, FY2021: 93.72%Gross margin, FY2022: 97.11%Gross margin, FY2023: 96.73%Gross margin, FY2024: 92.16%Gross margin, FY2025: 85.02%Operating margin, FY2021: 7.21%Operating margin, FY2022: 17.43%Operating margin, FY2023: 19.29%Operating margin, FY2024: 19.37%Operating margin, FY2025: 21.45%Net margin, FY2021: 9.44%Net margin, FY2022: 12.29%Net margin, FY2023: 12.75%Net margin, FY2024: 14.24%Net margin, FY2025: 16.08%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 93.72%. Gross margin FY2022 97.11%. Gross margin FY2023 96.73%. Gross margin FY2024 92.16%. Gross margin FY2025 85.02%. Operating margin FY2021 7.21%. Operating margin FY2022 17.43%. Operating margin FY2023 19.29%. Operating margin FY2024 19.37%. Operating margin FY2025 21.45%. Net margin FY2021 9.44%. Net margin FY2022 12.29%. Net margin FY2023 12.75%. Net margin FY2024 14.24%. Net margin FY2025 16.08%.

Income trends

Revenue

76.78B JPY+26.30%

Operating income

16.47B JPY+39.88%

Net income

12.35B JPY+42.70%
Income trends across reported periods84.08B JPY54.87B JPY25.66B JPY−3.56B JPYRevenue, FY2021: 51.97B JPYRevenue, FY2022: 51.54B JPYRevenue, FY2023: 54.16B JPYRevenue, FY2024: 60.79B JPYRevenue, FY2025: 76.78B JPYOperating income, FY2021: 3.75B JPYOperating income, FY2022: 8.99B JPYOperating income, FY2023: 10.45B JPYOperating income, FY2024: 11.77B JPYOperating income, FY2025: 16.47B JPYNet income, FY2021: 4.91B JPYNet income, FY2022: 6.33B JPYNet income, FY2023: 6.91B JPYNet income, FY2024: 8.65B JPYNet income, FY2025: 12.35B JPYFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 51.97B JPY. Revenue FY2022 51.54B JPY. Revenue FY2023 54.16B JPY. Revenue FY2024 60.79B JPY. Revenue FY2025 76.78B JPY. Operating income FY2021 3.75B JPY. Operating income FY2022 8.99B JPY. Operating income FY2023 10.45B JPY. Operating income FY2024 11.77B JPY. Operating income FY2025 16.47B JPY. Net income FY2021 4.91B JPY. Net income FY2022 6.33B JPY. Net income FY2023 6.91B JPY. Net income FY2024 8.65B JPY. Net income FY2025 12.35B JPY.
Metric (JPY)FY2025FY2024FY2023FY2022FY2021
Revenue76.78B JPY60.79B JPY54.16B JPY51.54B JPY51.97B JPY
Cost of goods sold11.5B JPY4.76B JPY1.77B JPY1.49B JPY3.27B JPY
Gross profit65.28B JPY56.03B JPY52.39B JPY50.05B JPY48.7B JPY
Selling, general, and administrative—17.79B JPY17.85B JPY18.06B JPY19.43B JPY
Operating expenses48.81B JPY44.25B JPY41.95B JPY41.06B JPY44.96B JPY
Interest income51.97B JPY38.83B JPY34.24B JPY32.77B JPY34.31B JPY
Interest expense9.83B JPY3.02B JPY485M JPY454M JPY544M JPY
Depreciation and amortization4.41B JPY4.37B JPY4.41B JPY4.65B JPY5.29B JPY
Operating income16.47B JPY11.77B JPY10.45B JPY8.99B JPY3.75B JPY
Net income12.35B JPY8.65B JPY6.91B JPY6.33B JPY4.91B JPY

Company facts updated Aug 24, 2026.

Corporate actions

Corporate action history

Stock split

Effective Mar 30, 2026

4:1

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ETFs holding 7322.T

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

iShares Core TOPIX ETF logoiShares Core TOPIX ETF1475.T
Market value
389.52M
Weight
0.01%
AUM
2.89T JPY
Expense ratio
0.05%
Price / 1D
¥418.3+0.07%
Vanguard Total International Stock ETF logoVanguard Total International Stock ETFVXUS
Market value
15.16M
Weight
0.00%
AUM
646.2B USD
Expense ratio
0.05%
Price / 1D
$87.71+0.78%
Avantis International Small Cap Value ETF logoAvantis International Small Cap Value ETFAVDV
Market value
12.46M
Weight
0.06%
AUM
20.24B USD
Expense ratio
0.36%
Price / 1D
$111.95+1.06%
Vanguard FTSE Developed Markets ETF logoVanguard FTSE Developed Markets ETFVEA
Market value
10.08M
Weight
0.00%
AUM
315B USD
Expense ratio
0.03%
Price / 1D
$73.42+0.80%
Vanguard FTSE All-World ex-US Small-Cap ETF logoVanguard FTSE All-World ex-US Small-Cap ETFVSS
Market value
3.95M
Weight
0.03%
AUM
13.6B USD
Expense ratio
0.06%
Price / 1D
$160.06+0.43%
Dimensional - International Small Cap Value ETF logoDimensional - International Small Cap Value ETFDISV
Market value
3.81M
Weight
0.07%
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
3.54M
Weight
0.03%
AUM
13.28B USD
Expense ratio
0.40%
Price / 1D
$86.60+0.70%
Schwab International Small-Cap Equity ETF logoSchwab International Small-Cap Equity ETFSCHC
Market value
2.43M
Weight
0.04%
AUM
5.73B USD
Expense ratio
0.06%
Price / 1D
$51.25+0.61%

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