Shinsei Bank, Limited logo

Shinsei Bank, Limited

8303.T

JPXFinancial ServicesBanks - Regional

Latest quote

¥1,559.5

−¥7.50 · -0.48%

Aug 24, 11:30 AM JST

8303.T company overview

Regular session · JST · Market data may be delayed.

Company profile

Company website

Shinsei Bank, Limited, a comprehensive financial institution headquartered in Tokyo, Japan, and established in 1952, provides an extensive range of banking and financial products and services. The bank serves a diverse clientele, including individual consumers, corporations, public-sector entities, and other financial institutions across Japan. For its individual customers, Shinsei Bank offers a variety of deposit accounts, encompassing both yen and foreign currency options, as well as structured deposits. Its retail financial solutions also include home mortgages, housing loans, unsecured personal loans, and payment instruments like prepaid and credit cards. Further catering to individuals, the bank provides investment trusts, brokerage services, life and non-life insurance, consumer finance, credit guarantee services, installment sales finance, and wealth management. On the corporate and institutional front, Shinsei Bank specializes in a broad spectrum of lending and advisory services. This includes general corporate loans, alongside highly specialized financing for areas such as start-ups, non-recourse real estate, project development, renewable energy, acquisitions, shipping, healthcare, sustainable and impact projects, and M&A-related transactions, complemented by loan syndication. Beyond credit, the bank provides foreign exchange and derivatives solutions, M&A advisory, credit trading, private equity investments, and support for business succession and restructuring. Additional institutional offerings encompass trust services, leasing-related financial products, participation in equity and other capital markets transactions, securities services, asset management, and treasury functions. The institution, which was originally incorporated as The Long-Term Credit Bank of Japan, Limited, changed its name to Shinsei Bank, Limited in June 2000.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
JP
CEO
Katsuya Kawashima
Listed since
Feb 19, 2004
Employees
5,828

Market position

Volume
1.06M
0.21× average
Average volume
5.09M
Average daily volume
Market cap
1.38T JPY
Beta
0.22
Market reference 1

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
-430.56B JPY
P/E (TTM)
11.25×
P/B (TTM)
1.13×
P/S (TTM)
1.89×
EV / EBITDA
-3.38×
Earnings yield
8.18%
Free cash flow yield
136.69%
Dividend yield
2.69%

Profitability & efficiency

Gross margin
83.31%
Operating margin
11.84%
Net margin
16.03%
Return on equity
9.26%
Return on assets
0.46%
Return on invested capital
1.62%

Financial health

Debt / equity
3.96×
Current ratio
0.3×
Altman Z-score
0.24
Piotroski F-score
4 of 9

Earnings

EPS beat rate
71%
5 beats, 2 misses, 0 met estimates
Average EPS surprise
+20.53%
7 comparable reports
Latest EPS result
43.36
Estimate 30.25 · Beat by 43.34%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates81.3858.7336.0913.45Q3 '23MissQ4 '23EstimateQ2 '24EstimateQ3 '24EstimateQ1 '26BeatQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q3 2023, reported Aug 4, 2023: actual 64.46, estimate 70.78, surprise -8.93%, Miss. Q4 2023, reported Nov 16, 2023: actual —, estimate 76.52, surprise —, Comparison unavailable. Q2 2024, reported May 10, 2024: actual —, estimate 70.78, surprise —, Comparison unavailable. Q3 2024, reported Aug 2, 2024: actual —, estimate 39.6, surprise —, Comparison unavailable. Q1 2026, reported Feb 4, 2026: actual 26.83, estimate 19.57, surprise +37.10%, Beat. Q2 2026, reported May 1, 2026: actual 24.47, estimate 15.82, surprise +54.68%, Beat. Q3 2026, reported Jul 31, 2026: actual 43.36, estimate 30.25, surprise +43.34%, Beat. Q4 2026, reported Nov 16, 2026: actual —, estimate 24.98, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates230.96B170.52B110.08B49.64BQ2 '23No estimateQ3 '23No estimateQ2 '24EstimateQ3 '24EstimateQ1 '26BeatQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q2 2023, reported May 12, 2023: actual 112.92B JPY, estimate —, surprise —, Comparison unavailable. Q3 2023, reported Aug 4, 2023: actual 129.39B JPY, estimate —, surprise —, Comparison unavailable. Q2 2024, reported May 10, 2024: actual —, estimate 101.81B JPY, surprise —, Comparison unavailable. Q3 2024, reported Aug 2, 2024: actual —, estimate 58.4B JPY, surprise —, Comparison unavailable. Q1 2026, reported Feb 4, 2026: actual 83.98B JPY, estimate 78.34B JPY, surprise +7.20%, Beat. Q2 2026, reported May 1, 2026: actual 207.74B JPY, estimate 78.34B JPY, surprise +165.19%, Beat. Q3 2026, reported Jul 31, 2026: actual 218.18B JPY, estimate 86.28B JPY, surprise +152.88%, Beat. Q4 2026, reported Nov 16, 2026: actual —, estimate 84.93B JPY, surprise —, Comparison unavailable.

Corporate actions

Corporate action history

Stock split

Effective Sep 27, 2017

1:10

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