The Bank of Saga Ltd. logo

The Bank of Saga Ltd.

8395.T

JPXFinancial ServicesBanks - Regional

Latest quote

¥6,320

−¥140 · -2.17%

Aug 24, 2:27 PM JST

8395.T company overview

Regular session · JST · Market data may be delayed.

Company profile

Company website

The Bank of Saga Ltd. provides a diverse range of banking products and financial services across Japan. Its offerings encompass a variety of deposit accounts, including current, savings, ordinary, notification, time, segregated, tax reserve, non-resident yen, and foreign currency options. The institution also extends various lending solutions such as mortgage, auto, education, and card loans, along with bill discounting services. To manage and fund its deposit base, the bank undertakes investments in government, municipal, and corporate bonds, as well as equities and other securities. Beyond these, it facilitates remittances, transfers, and collections, and delivers comprehensive foreign exchange services for both export and import transactions. The company further participates in bond contracting and registration, alongside financial futures trading. Additional services include safe deposit boxes, securities lending, debt guarantees, underwriting and sales of public bonds, diverse card services, commercial paper activities, defined contribution pension plans, and acting as a life insurance agency. As of March 31, 2021, its operational network comprised 103 branches and 78 off-branch ATMs. Established in 1882, the bank is headquartered in Saga, Japan.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
JP
CEO
Hideaki Sakai
Listed since
Jan 1, 2001
Employees
1,286

Market position

Day range

Current ¥6,320

52-week range

Current ¥6,320

Open
¥6,510
Previous close
¥6,460
Volume
35.1K
0.62× average
Average volume
56.68K
Average daily volume
Market cap
106.82B JPY
Beta
0.21
Market reference 1
50-day average
¥5,667.2
+11.52% above average
200-day average
¥4,859.88
+30.04% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
-167.17B JPY
EV / EBITDA
-12.34×
Earnings yield
10.88%
Free cash flow yield
-1.49%

Profitability & efficiency

Return on equity
6.79%
Return on assets
0.27%
Return on invested capital
0.27%

Financial health

Current ratio
9.56×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends108%72%37%1%Gross margin, FY2021: 99.04%Gross margin, FY2022: 94.45%Gross margin, FY2023: 93.12%Gross margin, FY2024: 92.72%Gross margin, FY2025: 86.40%Operating margin, FY2021: 16.40%Operating margin, FY2022: 17.02%Operating margin, FY2023: 16.16%Operating margin, FY2024: 20.25%Operating margin, FY2025: 17.18%Net margin, FY2021: 10.02%Net margin, FY2022: 12.35%Net margin, FY2023: 13.07%Net margin, FY2024: 14.51%Net margin, FY2025: 12.23%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 99.04%. Gross margin FY2022 94.45%. Gross margin FY2023 93.12%. Gross margin FY2024 92.72%. Gross margin FY2025 86.40%. Operating margin FY2021 16.40%. Operating margin FY2022 17.02%. Operating margin FY2023 16.16%. Operating margin FY2024 20.25%. Operating margin FY2025 17.18%. Net margin FY2021 10.02%. Net margin FY2022 12.35%. Net margin FY2023 13.07%. Net margin FY2024 14.51%. Net margin FY2025 12.23%.

Income trends

Revenue

70.2B JPY+35.86%

Operating income

12.06B JPY+15.31%

Net income

8.59B JPY+14.53%
Income trends across reported periods76.81B JPY50.36B JPY23.91B JPY−2.54B JPYRevenue, FY2021: 40.69B JPYRevenue, FY2022: 44.47B JPYRevenue, FY2023: 47.57B JPYRevenue, FY2024: 51.67B JPYRevenue, FY2025: 70.2B JPYOperating income, FY2021: 6.67B JPYOperating income, FY2022: 7.57B JPYOperating income, FY2023: 7.69B JPYOperating income, FY2024: 10.46B JPYOperating income, FY2025: 12.06B JPYNet income, FY2021: 4.08B JPYNet income, FY2022: 5.49B JPYNet income, FY2023: 6.22B JPYNet income, FY2024: 7.5B JPYNet income, FY2025: 8.59B JPYFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 40.69B JPY. Revenue FY2022 44.47B JPY. Revenue FY2023 47.57B JPY. Revenue FY2024 51.67B JPY. Revenue FY2025 70.2B JPY. Operating income FY2021 6.67B JPY. Operating income FY2022 7.57B JPY. Operating income FY2023 7.69B JPY. Operating income FY2024 10.46B JPY. Operating income FY2025 12.06B JPY. Net income FY2021 4.08B JPY. Net income FY2022 5.49B JPY. Net income FY2023 6.22B JPY. Net income FY2024 7.5B JPY. Net income FY2025 8.59B JPY.
Metric (JPY)FY2025FY2024FY2023FY2022FY2021
Revenue70.2B JPY51.67B JPY47.57B JPY44.47B JPY40.69B JPY
Cost of goods sold9.55B JPY3.76B JPY3.28B JPY2.47B JPY392M JPY
Gross profit60.66B JPY47.91B JPY44.3B JPY42.01B JPY40.3B JPY
Selling, general, and administrative8.97B JPY20.12B JPY20.39B JPY19.9B JPY20.46B JPY
Operating expenses48.59B JPY37.45B JPY36.61B JPY34.44B JPY33.63B JPY
Interest income37.61B JPY32.06B JPY28.89B JPY27.12B JPY24.5B JPY
Interest expense7.55B JPY3.76B JPY3.28B JPY2.47B JPY392M JPY
Depreciation and amortization1.48B JPY1.25B JPY1.01B JPY842M JPY990M JPY
Operating income12.06B JPY10.46B JPY7.69B JPY7.57B JPY6.67B JPY
Net income8.59B JPY7.5B JPY6.22B JPY5.49B JPY4.08B JPY

Company facts updated Aug 24, 2026.

Earnings

Latest EPS result
172.14

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly EPS actual values compared with estimates235.7177.97120.2362.5Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Q4 2024, reported Nov 8, 2024: actual 108.39, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Feb 7, 2025: actual 109.63, estimate —, surprise —, Comparison unavailable. Q2 2025, reported May 12, 2025: actual 78.75, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Aug 4, 2025: actual 73.53, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Nov 7, 2025: actual 223.69, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Feb 9, 2026: actual 127.48, estimate —, surprise —, Comparison unavailable. Q2 2026, reported May 12, 2026: actual 83.35, estimate —, surprise —, Comparison unavailable. Q3 2026, reported Aug 5, 2026: actual 172.14, estimate —, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly Revenue actual values compared with estimates28.85B23.09B17.32B11.55BQ4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Q4 2024, reported Nov 8, 2024: actual 14.16B JPY, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Feb 7, 2025: actual 13.42B JPY, estimate —, surprise —, Comparison unavailable. Q2 2025, reported May 12, 2025: actual 12.74B JPY, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Aug 4, 2025: actual 13.6B JPY, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Nov 7, 2025: actual 16.21B JPY, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Feb 9, 2026: actual 14.39B JPY, estimate —, surprise —, Comparison unavailable. Q2 2026, reported May 12, 2026: actual 27.66B JPY, estimate —, surprise —, Comparison unavailable. Q3 2026, reported Aug 5, 2026: actual 17.9B JPY, estimate —, surprise —, Comparison unavailable.

Corporate actions

Corporate action history

Stock split

Effective Sep 27, 2017

1:10

8395.T peers

ETFs holding 8395.T

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

Continue in GoAI

Research 8395.T

research.disclaimer