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Aichi Financial Group, Inc. logo

Aichi Financial Group, Inc.

7389.T

JPXFinancial ServicesBanks - Regional

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Latest quote

¥1,787

−¥16.00 · -0.89%

Aug 24, 3:30 PM JST

7389.T company overview

Regular session · JST · Market data may be delayed.

Company profile

Company website

Aichi Financial Group, Inc., encompassing its various subsidiaries, offers a wide array of banking and financial solutions across Japan. Their services include managing deposit accounts, providing diverse lending facilities, handling both domestic and foreign currency exchange, and directly distributing investment trusts and life insurance policies. The company was established in 2022 and has its primary corporate headquarters situated in Nagoya, Japan.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
JP
CEO
Yukinori Ito
Listed since
Oct 3, 2022
Employees
2,562

Market position

Volume
554.8K
0.64× average
Average volume
873.45K
Average daily volume
Market cap
435.54B JPY
Beta
0.22
Market reference 1

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
91.86B JPY
P/E (TTM)
13.4×
P/B (TTM)
0.94×
P/S (TTM)
3.22×
EV / EBITDA
2.75×
Earnings yield
6.51%
Free cash flow yield
11.25%
Dividend yield
1.51%

Profitability & efficiency

Gross margin
82.18%
Operating margin
30.31%
Net margin
24.00%
Return on equity
5.06%
Return on assets
0.30%
Return on invested capital
0.30%

Financial health

Debt / equity
0.81×
Current ratio
4.42×
Altman Z-score
0.21
Piotroski F-score
5 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends131%87%43%-1%Gross margin, FY2022: 97.10%Gross margin, FY2023: 95.82%Gross margin, FY2024: 91.64%Gross margin, FY2025: 81.60%Operating margin, FY2022: 119.80%Operating margin, FY2023: 14.45%Operating margin, FY2024: 10.20%Operating margin, FY2025: 26.02%Net margin, FY2022: 118.99%Net margin, FY2023: 9.96%Net margin, FY2024: 9.54%Net margin, FY2025: 18.95%FY2022FY2023FY2024FY2025
Gross margin FY2022 97.10%. Gross margin FY2023 95.82%. Gross margin FY2024 91.64%. Gross margin FY2025 81.60%. Operating margin FY2022 119.80%. Operating margin FY2023 14.45%. Operating margin FY2024 10.20%. Operating margin FY2025 26.02%. Net margin FY2022 118.99%. Net margin FY2023 9.96%. Net margin FY2024 9.54%. Net margin FY2025 18.95%.

Income trends

Revenue

115.08B JPY+20.66%

Operating income

29.94B JPY+207.87%

Net income

21.81B JPY+139.74%
Income trends across reported periods125.76B JPY83.04B JPY40.33B JPY−2.38B JPYRevenue, FY2022: 68.75B JPYRevenue, FY2023: 83.26B JPYRevenue, FY2024: 95.37B JPYRevenue, FY2025: 115.08B JPYOperating income, FY2022: 82.36B JPYOperating income, FY2023: 12.03B JPYOperating income, FY2024: 9.73B JPYOperating income, FY2025: 29.94B JPYNet income, FY2022: 81.81B JPYNet income, FY2023: 8.3B JPYNet income, FY2024: 9.1B JPYNet income, FY2025: 21.81B JPYFY2022FY2023FY2024FY2025
Revenue FY2022 68.75B JPY. Revenue FY2023 83.26B JPY. Revenue FY2024 95.37B JPY. Revenue FY2025 115.08B JPY. Operating income FY2022 82.36B JPY. Operating income FY2023 12.03B JPY. Operating income FY2024 9.73B JPY. Operating income FY2025 29.94B JPY. Net income FY2022 81.81B JPY. Net income FY2023 8.3B JPY. Net income FY2024 9.1B JPY. Net income FY2025 21.81B JPY.
Metric (JPY)FY2025FY2024FY2023FY2022
Revenue115.08B JPY95.37B JPY83.26B JPY68.75B JPY
Cost of goods sold21.18B JPY7.98B JPY3.48B JPY1.99B JPY
Gross profit93.9B JPY87.39B JPY79.78B JPY66.76B JPY
Selling, general, and administrative——43.71B JPY34.02B JPY
Operating expenses63.96B JPY77.67B JPY67.75B JPY−15.61B JPY
Interest income73.78B JPY58.42B JPY56.46B JPY44.34B JPY
Interest expense21.18B JPY7.98B JPY3.48B JPY1.99B JPY
Depreciation and amortization3.41B JPY4.62B JPY3.1B JPY2.28B JPY
Operating income29.94B JPY9.73B JPY12.03B JPY82.36B JPY
Net income21.81B JPY9.1B JPY8.3B JPY81.81B JPY

Company facts updated Aug 24, 2026.

Earnings

Latest EPS result
59.43

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly EPS actual values compared with estimates64.5239.915.28-9.34Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Q4 2024, reported Nov 12, 2024: actual 43.43, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Feb 14, 2025: actual 12.25, estimate —, surprise —, Comparison unavailable. Q2 2025, reported May 15, 2025: actual -4.24, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Aug 14, 2025: actual 15.55, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Nov 14, 2025: actual 25.55, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Feb 13, 2026: actual 33.54, estimate —, surprise —, Comparison unavailable. Q2 2026, reported May 15, 2026: actual 14.79, estimate —, surprise —, Comparison unavailable. Q3 2026, reported Aug 14, 2026: actual 59.43, estimate —, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly Revenue actual values compared with estimates47.39B38.07B28.75B19.44BQ4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Q4 2024, reported Nov 12, 2024: actual 21.36B JPY, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Feb 14, 2025: actual 24.46B JPY, estimate —, surprise —, Comparison unavailable. Q2 2025, reported May 15, 2025: actual 22.58B JPY, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Aug 14, 2025: actual 22.05B JPY, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Nov 14, 2025: actual 28.39B JPY, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Feb 13, 2026: actual 33.31B JPY, estimate —, surprise —, Comparison unavailable. Q2 2026, reported May 15, 2026: actual 28.21B JPY, estimate —, surprise —, Comparison unavailable. Q3 2026, reported Aug 14, 2026: actual 45.46B JPY, estimate —, surprise —, Comparison unavailable.

Corporate actions

Corporate action history

Stock split

Effective Mar 30, 2026

5:1

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ETFs holding 7389.T

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

iShares Core TOPIX ETF logoiShares Core TOPIX ETF1475.T
Market value
928M
Weight
0.03%
AUM
2.89T JPY
Expense ratio
0.05%
Price / 1D
¥417.9-0.02%
Vanguard Total International Stock ETF logoVanguard Total International Stock ETFVXUS
Market value
28.17M
Weight
0.00%
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
19.11M
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
14.47M
Weight
0.01%
AUM
195.14B USD
Expense ratio
0.07%
Price / 1D
$100.85+0.86%
Vanguard FTSE All-World ex-US Small-Cap ETF logoVanguard FTSE All-World ex-US Small-Cap ETFVSS
Market value
7.44M
Weight
0.05%
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
7.18M
Weight
0.05%
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
4.45M
Weight
0.08%
AUM
5.73B USD
Expense ratio
0.06%
Price / 1D
$51.25+0.61%
Dimensional - International Core Equity 2 ETF logoDimensional - International Core Equity 2 ETFDFIC
Market value
3.1M
Weight
0.02%
AUM
15.43B USD
Expense ratio
0.22%
Price / 1D
$39.405+0.83%

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