
The San-in Godo Bank, Ltd.
8381.TJPXFinancial ServicesBanks - Regional
Latest quote
¥2,502
−¥15.00 · -0.60%
8381.T company overview
Regular session · JST · Market data may be delayed.
Company profile
Company websiteEstablished 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 / TTMValuation & 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.
Income trends
Revenue
Operating income
Net income
| Metric (JPY) | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 164.86B JPY | 132.94B JPY | 118.27B JPY | 111.7B JPY | 92.48B JPY |
| Cost of goods sold | 44.91B JPY | 28.46B JPY | 13.21B JPY | 6.87B JPY | 3.83B JPY |
| Gross profit | 119.95B JPY | 104.48B JPY | 105.07B JPY | 104.83B JPY | 88.65B JPY |
| Selling, general, and administrative | — | 17.62B JPY | 17.01B JPY | 16.94B JPY | 17.06B JPY |
| Operating expenses | 87.6B JPY | 78.16B JPY | 80.4B JPY | 82.94B JPY | 68.37B JPY |
| Interest income | 118.06B JPY | 92.53B JPY | 76.09B JPY | 66.64B JPY | 60.04B JPY |
| Interest expense | 38.81B JPY | 16.18B JPY | 6.52B JPY | 4.98B JPY | 1.88B JPY |
| Depreciation and amortization | 2.87B JPY | 3.17B JPY | 3.09B JPY | 3.05B JPY | 3B JPY |
| Operating income | 32.35B JPY | 26.32B JPY | 24.67B JPY | 21.89B JPY | 20.28B JPY |
| Net income | 22.7B JPY | 18.76B JPY | 16.82B JPY | 15.41B JPY | 14.44B JPY |
Company facts updated Aug 24, 2026.
Earnings
- Latest EPS result
- 42.2
EPS: actual versus estimate
Recent quarterly results
Revenue: actual versus estimate
Recent quarterly results
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