Juroku Financial Group,Inc. logo

Juroku Financial Group,Inc.

7380.T

JPXFinancial ServicesBanks - Regional

Latest quote

¥2,464

−¥48.00 · -1.91%

Aug 24, 3:30 PM JST

7380.T company overview

Regular session · JST · Market data may be delayed.

Company profile

Company website

Juroku Financial Group, Inc. operates as a comprehensive banking institution in Japan, delivering a diverse range of financial solutions. Its fundamental offerings include various deposit accounts, such as checking, savings, time, and foreign currency deposits, in addition to certificates of deposit. The group provides extensive credit facilities, offering bill loans, overdrafts, and discounting services for commercial, exchange, and bank underwriting bills, alongside electronic recorded receivables and commodity securities trading. Beyond core banking, Juroku Financial Group actively invests in government, municipal, and corporate bonds, as well as corporate stocks. It facilitates international financial dealings through remittance and foreign exchange services, covering import, export, and other forex transactions. The company also engages in derivative trading, including interest rate swaps, coupon swaps, and currency options. Its agency functions involve managing public funds, processing stock payments and dividends, and handling principal and interest payments for public and corporate bonds. Furthermore, it operates as a loan and trust agent, provides financial product brokerage, offers debt guarantees, and underwrites public bonds. Over-the-counter sales include public bonds, insurance policies, and investment trusts. Supplemental services encompass credit cards, computer solutions, and credit guarantee provision. Established in Gifu, Japan, in 1877, Juroku Financial Group boasts a substantial operational network. This infrastructure consists of 149 branches, 12 smaller branch offices, 16 dedicated loan centers, 1 ancillary business handling office, 4 international representative offices, and 239 automated teller machines (ATMs).

Industry
Banks - Regional
Sector
Financial Services
Headquarters
JP
CEO
Naoki Ikeda
Listed since
Oct 1, 2021
Employees
2,322

Market position

Volume
655.2K
1.21× average
Average volume
539.76K
Average daily volume
Market cap
436.39B JPY
Beta
0.42
Market reference 1

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
-241.51B JPY
P/E (TTM)
15.21×
P/B (TTM)
0.84×
P/S (TTM)
2.7×
EV / EBITDA
-5.59×
Earnings yield
8.63%
Free cash flow yield
1.03%
Dividend yield
1.95%

Profitability & efficiency

Gross margin
88.53%
Operating margin
26.13%
Net margin
17.86%
Return on equity
5.84%
Return on assets
0.36%
Return on invested capital
0.37%

Financial health

Debt / equity
1.01×
Current ratio
9.11×
Altman Z-score
0.29
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 trends104%72%39%7%Gross margin, FY2021: 93.27%Gross margin, FY2022: 96.20%Gross margin, FY2023: 94.29%Gross margin, FY2024: 91.53%Gross margin, FY2025: 88.34%Operating margin, FY2021: 22.91%Operating margin, FY2022: 24.15%Operating margin, FY2023: 21.72%Operating margin, FY2024: 23.22%Operating margin, FY2025: 24.62%Net margin, FY2021: 14.78%Net margin, FY2022: 16.67%Net margin, FY2023: 15.09%Net margin, FY2024: 15.80%Net margin, FY2025: 16.90%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 93.27%. Gross margin FY2022 96.20%. Gross margin FY2023 94.29%. Gross margin FY2024 91.53%. Gross margin FY2025 88.34%. Operating margin FY2021 22.91%. Operating margin FY2022 24.15%. Operating margin FY2023 21.72%. Operating margin FY2024 23.22%. Operating margin FY2025 24.62%. Net margin FY2021 14.78%. Net margin FY2022 16.67%. Net margin FY2023 15.09%. Net margin FY2024 15.80%. Net margin FY2025 16.90%.

Income trends

Revenue

162.03B JPY+22.85%

Operating income

39.88B JPY+30.24%

Net income

27.38B JPY+31.39%
Income trends across reported periods176.51B JPY118.57B JPY60.64B JPY2.71B JPYRevenue, FY2021: 116.29B JPYRevenue, FY2022: 111.8B JPYRevenue, FY2023: 128B JPYRevenue, FY2024: 131.89B JPYRevenue, FY2025: 162.03B JPYOperating income, FY2021: 26.64B JPYOperating income, FY2022: 27B JPYOperating income, FY2023: 27.8B JPYOperating income, FY2024: 30.62B JPYOperating income, FY2025: 39.88B JPYNet income, FY2021: 17.19B JPYNet income, FY2022: 18.63B JPYNet income, FY2023: 19.32B JPYNet income, FY2024: 20.84B JPYNet income, FY2025: 27.38B JPYFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 116.29B JPY. Revenue FY2022 111.8B JPY. Revenue FY2023 128B JPY. Revenue FY2024 131.89B JPY. Revenue FY2025 162.03B JPY. Operating income FY2021 26.64B JPY. Operating income FY2022 27B JPY. Operating income FY2023 27.8B JPY. Operating income FY2024 30.62B JPY. Operating income FY2025 39.88B JPY. Net income FY2021 17.19B JPY. Net income FY2022 18.63B JPY. Net income FY2023 19.32B JPY. Net income FY2024 20.84B JPY. Net income FY2025 27.38B JPY.
Metric (JPY)FY2025FY2024FY2023FY2022FY2021
Revenue162.03B JPY131.89B JPY128B JPY111.8B JPY116.29B JPY
Cost of goods sold18.89B JPY11.17B JPY7.31B JPY4.24B JPY7.82B JPY
Gross profit143.14B JPY120.72B JPY120.69B JPY107.55B JPY108.46B JPY
Selling, general, and administrative17.94B JPY17.71B JPY17.73B JPY18.36B JPY
Operating expenses103.26B JPY90.1B JPY92.89B JPY80.56B JPY81.82B JPY
Interest income78.98B JPY63.86B JPY59.51B JPY53.9B JPY54.69B JPY
Interest expense16.81B JPY9.45B JPY6.62B JPY2.77B JPY317M JPY
Depreciation and amortization3.29B JPY3.91B JPY3.73B JPY3.49B JPY3.81B JPY
Operating income39.88B JPY30.62B JPY27.8B JPY27B JPY26.64B JPY
Net income27.38B JPY20.84B JPY19.32B JPY18.63B JPY17.19B JPY

Company facts updated Aug 24, 2026.

Corporate actions

Annual dividends per share

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

¥40.00

2025 complete year-50.0% since 2020

2026 partial: ¥28.00

* Partial calendar year in the available dividend history.

Corporate action history

DividendUpcoming

Ex-dividend Sep 29, 2026

¥25.00

Semi-Annual

Record Sep 30, 2026 · Payment Sep 29, 2026

DividendUpcoming

Ex-dividend Mar 30, 2027

¥28.00

Semi-Annual

Record Mar 31, 2027 · Payment Mar 30, 2027

Dividend

Ex-dividend Mar 30, 2026

¥140

Semi-Annual

Record Mar 31, 2026 · Payment Jun 1, 2026

Dividend

Ex-dividend Sep 29, 2025

¥100

Semi-Annual

Record Sep 30, 2025 · Payment Dec 1, 2025

Dividend

Ex-dividend Mar 28, 2025

¥100

Semi-Annual

Record Mar 31, 2025 · Payment Jun 2, 2025

Dividend

Ex-dividend Sep 27, 2024

¥80.00

Semi-Annual

Record Sep 30, 2024 · Payment Dec 2, 2024

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