Suruga Bank Ltd. logo

Suruga Bank Ltd.

8358.T

JPXFinancial ServicesBanks - Regional

Latest quote

¥2,849

−¥13.00 · -0.45%

Aug 24, 3:30 PM JST

8358.T company overview

Regular session · JST · Market data may be delayed.

Company profile

Company website

Based in Japan, Suruga Bank Ltd. offers a comprehensive suite of banking and financial solutions tailored for both retail and corporate clients. Its core services include a diverse range of deposit accounts, encompassing time deposits, standard savings, foreign currency accounts, and current and general checking facilities. Loan products vary widely, from housing, second home, resort, startup, project assistance, and business term loans, as well as purpose-specific lending. The bank also issues credit and debit cards and provides overdraft facilities and other financing solutions. Beyond core banking, its extensive service portfolio encompasses wealth management products like investment trusts and public bonds, pension contribution plans, insurance, and inheritance/trust services. Customers can also access lottery services, foreign currency exchange reservations, convenient payment options like Pay-easy, web-based oral receipts, and safe deposit boxes. International services include foreign remittances and external linkage, while fund management and e-combination tools are available. Specialized offerings include factoring for nursing care, medical care, and dispensing compensation receivables, alongside mortgage advisory, and convenient internet and telephone banking. Furthermore, the company extends its operations into non-banking sectors, providing services such as staffing solutions, money lending and credit guarantees, mortgage loan guarantees, printing, bookbinding, packaging and shipping, leasing, and specialized clerical agency and system engineering support. The bank maintains a network of 128 branches strategically located across Japan. Established in 1895, its headquarters are situated in Numazu, Japan.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
JP
CEO
Kosuke Kato
Listed since
Jan 1, 2001
Employees
1,383

Market position

Day range

Current ¥2,849

52-week range

Current ¥2,849

Open
¥2,885
Previous close
¥2,862
Volume
621.4K
0.71× average
Average volume
880.65K
Average daily volume
Market cap
485.65B JPY
Beta
0.55
Market reference 1
50-day average
¥2,609.36
+9.18% above average
200-day average
¥2,140.39
+33.11% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
-85.86B JPY
P/E (TTM)
11.33×
P/B (TTM)
1.47×
P/S (TTM)
4.69×
EV / EBITDA
-2.18×
Earnings yield
9.97%
Free cash flow yield
1.74%
Dividend yield
2.11%

Profitability & efficiency

Gross margin
91.32%
Operating margin
47.40%
Net margin
41.86%
Return on equity
10.74%
Return on assets
0.98%
Return on invested capital
0.98%

Financial health

Debt / equity
0.03×
Current ratio
Altman Z-score
0.42
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 trends111%74%37%1%Gross margin, FY2022: 79.66%Gross margin, FY2023: 101.91%Gross margin, FY2024: 101.81%Gross margin, FY2025: 99.58%Gross margin, FY2026: 101.87%Operating margin, FY2022: 11.27%Operating margin, FY2023: 19.39%Operating margin, FY2024: 28.65%Operating margin, FY2025: 33.41%Operating margin, FY2026: 41.35%Net margin, FY2022: 9.90%Net margin, FY2023: 17.04%Net margin, FY2024: 22.61%Net margin, FY2025: 27.27%Net margin, FY2026: 40.70%FY2022FY2023FY2024FY2025FY2026
Gross margin FY2022 79.66%. Gross margin FY2023 101.91%. Gross margin FY2024 101.81%. Gross margin FY2025 99.58%. Gross margin FY2026 101.87%. Operating margin FY2022 11.27%. Operating margin FY2023 19.39%. Operating margin FY2024 28.65%. Operating margin FY2025 33.41%. Operating margin FY2026 41.35%. Net margin FY2022 9.90%. Net margin FY2023 17.04%. Net margin FY2024 22.61%. Net margin FY2025 27.27%. Net margin FY2026 40.70%.

Income trends

Revenue

85.32B JPY+15.32%

Operating income

35.28B JPY+42.74%

Net income

34.73B JPY+72.11%
Income trends across reported periods93.06B JPY62.11B JPY31.17B JPY223M JPYRevenue, FY2022: 80.42B JPYRevenue, FY2023: 62.08B JPYRevenue, FY2024: 67.99B JPYRevenue, FY2025: 73.98B JPYRevenue, FY2026: 85.32B JPYOperating income, FY2022: 9.06B JPYOperating income, FY2023: 12.04B JPYOperating income, FY2024: 19.48B JPYOperating income, FY2025: 24.72B JPYOperating income, FY2026: 35.28B JPYNet income, FY2022: 7.96B JPYNet income, FY2023: 10.58B JPYNet income, FY2024: 15.38B JPYNet income, FY2025: 20.18B JPYNet income, FY2026: 34.73B JPYFY2022FY2023FY2024FY2025FY2026
Revenue FY2022 80.42B JPY. Revenue FY2023 62.08B JPY. Revenue FY2024 67.99B JPY. Revenue FY2025 73.98B JPY. Revenue FY2026 85.32B JPY. Operating income FY2022 9.06B JPY. Operating income FY2023 12.04B JPY. Operating income FY2024 19.48B JPY. Operating income FY2025 24.72B JPY. Operating income FY2026 35.28B JPY. Net income FY2022 7.96B JPY. Net income FY2023 10.58B JPY. Net income FY2024 15.38B JPY. Net income FY2025 20.18B JPY. Net income FY2026 34.73B JPY.
Metric (JPY)FY2026FY2025FY2024FY2023FY2022
Revenue85.32B JPY73.98B JPY67.99B JPY62.08B JPY80.42B JPY
Cost of goods sold−1.59B JPY308M JPY−1.23B JPY−1.18B JPY16.36B JPY
Gross profit86.91B JPY73.68B JPY69.22B JPY63.26B JPY64.06B JPY
Selling, general, and administrative13.16B JPY12.94B JPY13.32B JPY13.86B JPY
Operating expenses51.63B JPY48.96B JPY49.74B JPY51.22B JPY55B JPY
Interest income78.13B JPY68.43B JPY66.29B JPY68.56B JPY75.03B JPY
Interest expense7.7B JPY2.55B JPY1.16B JPY1.38B JPY1.49B JPY
Depreciation and amortization4.06B JPY6.08B JPY5.32B JPY5.56B JPY5.77B JPY
Operating income35.28B JPY24.72B JPY19.48B JPY12.04B JPY9.06B JPY
Net income34.73B JPY20.18B JPY15.38B JPY10.58B JPY7.96B JPY

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
91%
10 beats, 1 miss, 0 met estimates
Average EPS surprise
+63.15%
11 comparable reports
Latest EPS result
82.7
Estimate 44.74 · Beat by 84.85%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates88.5161.8635.228.58Q1 '25BeatQ2 '25MissQ3 '25BeatQ4 '25BeatQ1 '26BeatQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Feb 6, 2025: actual 38.84, estimate 18.38, surprise +111.32%, Beat. Q2 2025, reported May 12, 2025: actual 10.09, estimate 17.67, surprise -42.90%, Miss. Q3 2025, reported Aug 6, 2025: actual 29.88, estimate 25.29, surprise +18.15%, Beat. Q4 2025, reported Nov 10, 2025: actual 58.68, estimate 45.33, surprise +29.45%, Beat. Q1 2026, reported Feb 12, 2026: actual 46.95, estimate 41.99, surprise +11.81%, Beat. Q2 2026, reported May 14, 2026: actual 63.03, estimate 18.63, surprise +238.33%, Beat. Q3 2026, reported Aug 10, 2026: actual 82.7, estimate 44.74, surprise +84.85%, Beat. Q4 2026, reported Nov 6, 2026: actual —, estimate 63.57, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates38.71B30.94B23.17B15.39BQ1 '25No estimateQ2 '25No estimateQ3 '25No estimateQ4 '25No estimateQ1 '26BeatQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Feb 6, 2025: actual 25.08B JPY, estimate —, surprise —, Comparison unavailable. Q2 2025, reported May 12, 2025: actual 23.43B JPY, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Aug 6, 2025: actual 24.46B JPY, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Nov 10, 2025: actual 23.56B JPY, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Feb 12, 2026: actual 27.58B JPY, estimate 25.82B JPY, surprise +6.80%, Beat. Q2 2026, reported May 14, 2026: actual 30.02B JPY, estimate 17.88B JPY, surprise +67.89%, Beat. Q3 2026, reported Aug 10, 2026: actual 37.11B JPY, estimate 17B JPY, surprise +118.26%, Beat. Q4 2026, reported Nov 6, 2026: actual —, estimate 36.59B JPY, surprise —, Comparison unavailable.

Corporate actions

Annual dividends per share

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

¥36.50

2025 complete year+82.5% since 2015

2026 partial: ¥38.00

* Partial calendar year in the available dividend history.

Corporate action history

DividendUpcoming

Ex-dividend Sep 29, 2026

¥30.00

Semi-Annual

Record Sep 30, 2026 · Payment Sep 29, 2026

DividendUpcoming

Ex-dividend Mar 30, 2027

¥30.00

Semi-Annual

Record Mar 31, 2027 · Payment Mar 30, 2027

Dividend

Ex-dividend Mar 30, 2026

¥38.00

Semi-Annual

Record Mar 31, 2026 · Payment Jun 5, 2026

Dividend

Ex-dividend Sep 29, 2025

¥22.00

Semi-Annual

Record Sep 30, 2025 · Payment Dec 9, 2025

Dividend

Ex-dividend Mar 28, 2025

¥14.50

Semi-Annual

Record Mar 31, 2025 · Payment Jun 3, 2025

Dividend

Ex-dividend Sep 27, 2024

¥14.50

Irregular

Record Sep 30, 2024 · Payment Dec 10, 2024

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