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Daishi Hokuetsu Financial Group, Inc. logo

Daishi Hokuetsu Financial Group, Inc.

7327.T

JPXFinancial ServicesBanks - Regional

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Latest quote

¥2,455

−¥10.00 · -0.41%

Aug 24, 1:22 PM JST

7327.T company overview

Regular session · JST · Market data may be delayed.

Company profile

Company website

Operating through its network of subsidiaries, Daishi Hokuetsu Financial Group, Inc., headquartered in Niigata, Japan, delivers a comprehensive suite of banking and financial solutions. Founded in 1873, this institution provides essential services such as deposit accounts and lending products. Beyond core banking, its offerings encompass diverse areas including securities dealings, credit card facilities, and credit guarantee provisions. The Group also extends into specialized services like venture capital, various consulting options (including HR and general advisory), general leasing, and IT support. Additionally, it undertakes survey research, furnishing valuable economic and societal information.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
JP
CEO
Michiro Ueguri
Listed since
Oct 1, 2018
Employees
3,456

Market position

Day range

Current ¥2,455

52-week range

Current ¥2,455

Open
¥2,500
Previous close
¥2,465
Volume
354.6K
0.39× average
Average volume
914.27K
Average daily volume
Market cap
644.3B JPY
Beta
0.59
Market reference 1
50-day average
¥2,269.58
+8.17% above average
200-day average
¥1,956.1
+25.50% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
-222B JPY
P/E (TTM)
13.71×
P/B (TTM)
1.08×
P/S (TTM)
2.46×
EV / EBITDA
-3.39×
Earnings yield
8.59%
Free cash flow yield
4.18%
Dividend yield
2.57%

Profitability & efficiency

Gross margin
78.37%
Operating margin
25.70%
Net margin
17.96%
Return on equity
7.39%
Return on assets
0.39%
Return on invested capital
0.39%

Financial health

Debt / equity
1.72×
Current ratio
3.8×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends103%70%37%4%Gross margin, FY2021: 94.39%Gross margin, FY2022: 88.51%Gross margin, FY2023: 76.60%Gross margin, FY2024: 76.29%Gross margin, FY2025: 77.88%Operating margin, FY2021: 18.33%Operating margin, FY2022: 17.39%Operating margin, FY2023: 17.25%Operating margin, FY2024: 21.40%Operating margin, FY2025: 23.90%Net margin, FY2021: 11.89%Net margin, FY2022: 12.39%Net margin, FY2023: 12.29%Net margin, FY2024: 15.26%Net margin, FY2025: 16.85%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 94.39%. Gross margin FY2022 88.51%. Gross margin FY2023 76.60%. Gross margin FY2024 76.29%. Gross margin FY2025 77.88%. Operating margin FY2021 18.33%. Operating margin FY2022 17.39%. Operating margin FY2023 17.25%. Operating margin FY2024 21.40%. Operating margin FY2025 23.90%. Net margin FY2021 11.89%. Net margin FY2022 12.39%. Net margin FY2023 12.29%. Net margin FY2024 15.26%. Net margin FY2025 16.85%.

Income trends

Revenue

249.94B JPY+29.92%

Operating income

59.75B JPY+45.10%

Net income

42.1B JPY+43.45%
Income trends across reported periods273.42B JPY179.5B JPY85.58B JPY−8.33B JPYRevenue, FY2021: 127.35B JPYRevenue, FY2022: 143.43B JPYRevenue, FY2023: 172.47B JPYRevenue, FY2024: 192.39B JPYRevenue, FY2025: 249.94B JPYOperating income, FY2021: 23.34B JPYOperating income, FY2022: 24.95B JPYOperating income, FY2023: 29.76B JPYOperating income, FY2024: 41.18B JPYOperating income, FY2025: 59.75B JPYNet income, FY2021: 15.15B JPYNet income, FY2022: 17.77B JPYNet income, FY2023: 21.2B JPYNet income, FY2024: 29.35B JPYNet income, FY2025: 42.1B JPYFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 127.35B JPY. Revenue FY2022 143.43B JPY. Revenue FY2023 172.47B JPY. Revenue FY2024 192.39B JPY. Revenue FY2025 249.94B JPY. Operating income FY2021 23.34B JPY. Operating income FY2022 24.95B JPY. Operating income FY2023 29.76B JPY. Operating income FY2024 41.18B JPY. Operating income FY2025 59.75B JPY. Net income FY2021 15.15B JPY. Net income FY2022 17.77B JPY. Net income FY2023 21.2B JPY. Net income FY2024 29.35B JPY. Net income FY2025 42.1B JPY.
Metric (JPY)FY2025FY2024FY2023FY2022FY2021
Revenue249.94B JPY192.39B JPY172.47B JPY143.43B JPY127.35B JPY
Cost of goods sold55.29B JPY45.62B JPY40.35B JPY16.48B JPY7.14B JPY
Gross profit194.66B JPY146.77B JPY132.11B JPY126.95B JPY120.21B JPY
Selling, general, and administrative—28.66B JPY29.97B JPY29.82B JPY30.72B JPY
Operating expenses134.91B JPY105.6B JPY102.36B JPY102B JPY96.87B JPY
Interest income137.57B JPY115.11B JPY99.01B JPY80.06B JPY62.68B JPY
Interest expense47.49B JPY41.52B JPY34.74B JPY12.14B JPY2.29B JPY
Depreciation and amortization5.72B JPY7.02B JPY7.08B JPY6.96B JPY6.96B JPY
Operating income59.75B JPY41.18B JPY29.76B JPY24.95B JPY23.34B JPY
Net income42.1B JPY29.35B JPY21.2B JPY17.77B JPY15.15B JPY

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
100%
2 beats, 0 misses, 0 met estimates
Average EPS surprise
+22.80%
2 comparable reports
Latest EPS result
67.37
Estimate 51.21 · Beat by 31.56%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates70.7554.4238.0821.75Q1 '25No estimateQ2 '25No estimateQ3 '25No estimateQ4 '25No estimateQ1 '26No estimateQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 31, 2025: actual 25.13, estimate —, surprise —, Comparison unavailable. Q2 2025, reported May 9, 2025: actual 31.04, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Jul 25, 2025: actual 48.83, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Nov 7, 2025: actual 38.23, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Jan 30, 2026: actual 42.3, estimate —, surprise —, Comparison unavailable. Q2 2026, reported May 15, 2026: actual 31.27, estimate 27.42, surprise +14.04%, Beat. Q3 2026, reported Jul 31, 2026: actual 67.37, estimate 51.21, surprise +31.56%, Beat. Q4 2026, reported Nov 6, 2026: actual —, estimate 55.67, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates90.22B67.23B44.24B21.25BQ1 '25No estimateQ2 '25No estimateQ3 '25BeatQ4 '25BeatQ1 '26BeatQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 31, 2025: actual 46.83B JPY, estimate —, surprise —, Comparison unavailable. Q2 2025, reported May 9, 2025: actual 51.25B JPY, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Jul 25, 2025: actual 57.74B JPY, estimate 28.8B JPY, surprise +100.48%, Beat. Q4 2025, reported Nov 7, 2025: actual 85.39B JPY, estimate 26.7B JPY, surprise +219.81%, Beat. Q1 2026, reported Jan 30, 2026: actual 56.98B JPY, estimate 25B JPY, surprise +127.91%, Beat. Q2 2026, reported May 15, 2026: actual 60.22B JPY, estimate 59.69B JPY, surprise +0.88%, Beat. Q3 2026, reported Jul 31, 2026: actual 67.06B JPY, estimate 30.4B JPY, surprise +120.58%, Beat. Q4 2026, reported Nov 6, 2026: actual —, estimate 69.54B JPY, surprise —, Comparison unavailable.

Corporate actions

Annual dividends per share

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

¥52.00

2025 complete year+162.0% since 2021

2026 partial: ¥36.00

* Partial calendar year in the available dividend history.

Corporate action history

DividendUpcoming

Ex-dividend Sep 29, 2026

¥40.00

Semi-Annual

Record Sep 30, 2026 · Payment Sep 29, 2026

DividendUpcoming

Ex-dividend Mar 31, 2027

¥40.00

Semi-Annual

Record Mar 31, 2027 · Payment Mar 31, 2027

Dividend

Ex-dividend Mar 30, 2026

¥36.00

Semi-Annual

Record Mar 31, 2026 · Payment Jun 1, 2026

Dividend

Ex-dividend Sep 29, 2025

¥27.00

Semi-Annual

Record Sep 30, 2025 · Payment Dec 1, 2025

Dividend

Ex-dividend Mar 28, 2025

¥74.9999

Semi-Annual

Record Mar 31, 2025 · Payment Jun 2, 2025

Dividend

Ex-dividend Sep 27, 2024

¥55.9999

Annual

Record Sep 30, 2024 · Payment Dec 2, 2024

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ETFs holding 7327.T

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

iShares Core TOPIX ETF logoiShares Core TOPIX ETF1475.T
Market value
1.17B
Weight
0.04%
AUM
2.89T JPY
Expense ratio
0.05%
Price / 1D
¥418.1+0.02%
Vanguard Total International Stock ETF logoVanguard Total International Stock ETFVXUS
Market value
51.79M
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
33.88M
Weight
0.01%
AUM
315B USD
Expense ratio
0.03%
Price / 1D
$73.42+0.80%
Avantis International Small Cap Value ETF logoAvantis International Small Cap Value ETFAVDV
Market value
27.06M
Weight
0.14%
AUM
20.24B USD
Expense ratio
0.36%
Price / 1D
$111.95+1.06%
iShares Core MSCI EAFE ETF logoiShares Core MSCI EAFE ETFIEFA
Market value
22.93M
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
14.81M
Weight
0.29%
AUM
5.23B USD
Expense ratio
0.42%
Price / 1D
$44.49+0.86%
Avantis International Equity ETF logoAvantis International Equity ETFAVDE
Market value
14.23M
Weight
0.08%
AUM
19.1B USD
Expense ratio
0.23%
Price / 1D
$94.26+0.87%
Vanguard FTSE All-World ex-US Small-Cap ETF logoVanguard FTSE All-World ex-US Small-Cap ETFVSS
Market value
13.06M
Weight
0.09%
AUM
13.6B USD
Expense ratio
0.06%
Price / 1D
$160.06+0.43%

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