The San-in Godo Bank, Ltd. logo

The San-in Godo Bank, Ltd.

8381.T

JPXFinancial ServicesBanks - Regional

Latest quote

¥2,502

−¥15.00 · -0.60%

Aug 24, 3:30 PM JST

8381.T company overview

Regular session · JST · Market data may be delayed.

Company profile

Company website

Established in Matsue, Japan, in 1878, The San-in Godo Bank, Ltd. is a well-established financial institution delivering a broad spectrum of banking and financial services to both individual and business clients throughout Japan. Its operations are organized into two main divisions: Banking and Leasing. The core banking offerings include traditional deposits and lending products, alongside foreign exchange services and opportunities for securities investment. Furthermore, the bank manages public funds, processes account transfers, and supports card-affiliated merchants. It extends its expertise through consulting, advising on the acquisition, preservation, and divestment of securities, as well as conducting corporate diagnostics and providing management guidance. The leasing arm provides both general and property-related leasing arrangements. Complementary services feature credit guarantees, comprehensive cash and check management (collection, distribution, sorting, secure storage), maintenance of automated teller machines (ATMs), and collection of delinquent loans. As of March 31, 2021, the bank boasted a substantial network comprising 70 branches and 79 sub-branches across Tokyo and Osaka, in addition to representative offices situated in Dalian, Shanghai, and Bangkok.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
JP
CEO
Yamasaki Toru
Listed since
Jan 1, 2001
Employees
1,906

Market position

Day range

Current ¥2,502

52-week range

Current ¥2,502

Open
¥2,540
Previous close
¥2,517
Volume
269.2K
0.55× average
Average volume
493.61K
Average daily volume
Market cap
374.5B JPY
Beta
0.49
Market reference 1
50-day average
¥2,388.04
+4.77% above average
200-day average
¥1,872.33
+33.63% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
313.03B JPY
P/E (TTM)
14.63×
P/B (TTM)
1.16×
P/S (TTM)
2.14×
EV / EBITDA
8.89×
Earnings yield
8.68%
Free cash flow yield
17.39%
Dividend yield
2.40%

Profitability & efficiency

Gross margin
74.78%
Operating margin
21.30%
Net margin
14.74%
Return on equity
7.07%
Return on assets
0.25%
Return on invested capital
0.25%

Financial health

Debt / equity
4.84×
Current ratio
1.54×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends104%71%38%6%Gross margin, FY2021: 95.86%Gross margin, FY2022: 93.85%Gross margin, FY2023: 88.83%Gross margin, FY2024: 78.59%Gross margin, FY2025: 72.76%Operating margin, FY2021: 21.93%Operating margin, FY2022: 19.60%Operating margin, FY2023: 20.86%Operating margin, FY2024: 19.80%Operating margin, FY2025: 19.62%Net margin, FY2021: 15.61%Net margin, FY2022: 13.80%Net margin, FY2023: 14.22%Net margin, FY2024: 14.11%Net margin, FY2025: 13.77%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 95.86%. Gross margin FY2022 93.85%. Gross margin FY2023 88.83%. Gross margin FY2024 78.59%. Gross margin FY2025 72.76%. Operating margin FY2021 21.93%. Operating margin FY2022 19.60%. Operating margin FY2023 20.86%. Operating margin FY2024 19.80%. Operating margin FY2025 19.62%. Net margin FY2021 15.61%. Net margin FY2022 13.80%. Net margin FY2023 14.22%. Net margin FY2024 14.11%. Net margin FY2025 13.77%.

Income trends

Revenue

164.86B JPY+24.01%

Operating income

32.35B JPY+22.92%

Net income

22.7B JPY+21.02%
Income trends across reported periods179.9B JPY119.73B JPY59.57B JPY−601.7M JPYRevenue, FY2021: 92.48B JPYRevenue, FY2022: 111.7B JPYRevenue, FY2023: 118.27B JPYRevenue, FY2024: 132.94B JPYRevenue, FY2025: 164.86B JPYOperating income, FY2021: 20.28B JPYOperating income, FY2022: 21.89B JPYOperating income, FY2023: 24.67B JPYOperating income, FY2024: 26.32B JPYOperating income, FY2025: 32.35B JPYNet income, FY2021: 14.44B JPYNet income, FY2022: 15.41B JPYNet income, FY2023: 16.82B JPYNet income, FY2024: 18.76B JPYNet income, FY2025: 22.7B JPYFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 92.48B JPY. Revenue FY2022 111.7B JPY. Revenue FY2023 118.27B JPY. Revenue FY2024 132.94B JPY. Revenue FY2025 164.86B JPY. Operating income FY2021 20.28B JPY. Operating income FY2022 21.89B JPY. Operating income FY2023 24.67B JPY. Operating income FY2024 26.32B JPY. Operating income FY2025 32.35B JPY. Net income FY2021 14.44B JPY. Net income FY2022 15.41B JPY. Net income FY2023 16.82B JPY. Net income FY2024 18.76B JPY. Net income FY2025 22.7B JPY.
Metric (JPY)FY2025FY2024FY2023FY2022FY2021
Revenue164.86B JPY132.94B JPY118.27B JPY111.7B JPY92.48B JPY
Cost of goods sold44.91B JPY28.46B JPY13.21B JPY6.87B JPY3.83B JPY
Gross profit119.95B JPY104.48B JPY105.07B JPY104.83B JPY88.65B JPY
Selling, general, and administrative17.62B JPY17.01B JPY16.94B JPY17.06B JPY
Operating expenses87.6B JPY78.16B JPY80.4B JPY82.94B JPY68.37B JPY
Interest income118.06B JPY92.53B JPY76.09B JPY66.64B JPY60.04B JPY
Interest expense38.81B JPY16.18B JPY6.52B JPY4.98B JPY1.88B JPY
Depreciation and amortization2.87B JPY3.17B JPY3.09B JPY3.05B JPY3B JPY
Operating income32.35B JPY26.32B JPY24.67B JPY21.89B JPY20.28B JPY
Net income22.7B JPY18.76B JPY16.82B JPY15.41B JPY14.44B JPY

Company facts updated Aug 24, 2026.

Earnings

Latest EPS result
42.2

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly EPS actual values compared with estimates51.6640.7629.8518.95Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Q4 2024, reported Nov 11, 2024: actual 24.23, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Jan 31, 2025: actual 31.48, estimate —, surprise —, Comparison unavailable. Q2 2025, reported May 13, 2025: actual 36.72, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Jul 31, 2025: actual 21.21, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Nov 13, 2025: actual 49.4, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Jan 30, 2026: actual 40.11, estimate —, surprise —, Comparison unavailable. Q2 2026, reported May 15, 2026: actual 39.29, estimate —, surprise —, Comparison unavailable. Q3 2026, reported Jul 31, 2026: actual 42.2, estimate —, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly Revenue actual values compared with estimates53.7B46.05B38.4B30.74BQ4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Q4 2024, reported Nov 11, 2024: actual 33.46B JPY, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Jan 31, 2025: actual 32.81B JPY, estimate —, surprise —, Comparison unavailable. Q2 2025, reported May 13, 2025: actual 39.01B JPY, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Jul 31, 2025: actual 36.27B JPY, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Nov 13, 2025: actual 39.81B JPY, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Jan 30, 2026: actual 39.37B JPY, estimate —, surprise —, Comparison unavailable. Q2 2026, reported May 15, 2026: actual 51.63B JPY, estimate —, surprise —, Comparison unavailable. Q3 2026, reported Jul 31, 2026: actual 50.4B JPY, estimate —, surprise —, Comparison unavailable.

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