
The Bank of Saga Ltd.
8395.TJPXFinancial ServicesBanks - Regional
Latest quote
¥6,320
−¥140 · -2.17%
8395.T company overview
Regular session · JST · Market data may be delayed.
Company profile
Company websiteThe 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 / TTMValuation & 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.
Income trends
Revenue
Operating income
Net income
| Metric (JPY) | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 70.2B JPY | 51.67B JPY | 47.57B JPY | 44.47B JPY | 40.69B JPY |
| Cost of goods sold | 9.55B JPY | 3.76B JPY | 3.28B JPY | 2.47B JPY | 392M JPY |
| Gross profit | 60.66B JPY | 47.91B JPY | 44.3B JPY | 42.01B JPY | 40.3B JPY |
| Selling, general, and administrative | 8.97B JPY | 20.12B JPY | 20.39B JPY | 19.9B JPY | 20.46B JPY |
| Operating expenses | 48.59B JPY | 37.45B JPY | 36.61B JPY | 34.44B JPY | 33.63B JPY |
| Interest income | 37.61B JPY | 32.06B JPY | 28.89B JPY | 27.12B JPY | 24.5B JPY |
| Interest expense | 7.55B JPY | 3.76B JPY | 3.28B JPY | 2.47B JPY | 392M JPY |
| Depreciation and amortization | 1.48B JPY | 1.25B JPY | 1.01B JPY | 842M JPY | 990M JPY |
| Operating income | 12.06B JPY | 10.46B JPY | 7.69B JPY | 7.57B JPY | 6.67B JPY |
| Net income | 8.59B JPY | 7.5B JPY | 6.22B JPY | 5.49B JPY | 4.08B JPY |
Company facts updated Aug 24, 2026.
Earnings
- Latest EPS result
- 172.14
EPS: actual versus estimate
Recent quarterly results
Revenue: actual versus estimate
Recent quarterly results
Corporate actions
Corporate action history
| Action | Effective date | Details | Record date | Payment date |
|---|---|---|---|---|
Stock split | Sep 27, 2017 | 1:10 | — | — |
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.
iShares Core TOPIX ETF1475.T200.91M0.01%2.89T JPY0.05%¥418.9+0.22%
Avantis International Small Cap Value ETFAVDV9.64M0.05%20.24B USD0.36%$111.95+1.06%
Vanguard Total International Stock ETFVXUS7.22M0.00%646.2B USD0.05%$87.71+0.78%
Vanguard FTSE Developed Markets ETFVEA5.46M0.00%315B USD0.03%$73.42+0.80%
Vanguard FTSE All-World ex-US Small-Cap ETFVSS2.08M0.01%13.6B USD0.06%$160.06+0.43%
Schwab International Small-Cap Equity ETFSCHC1.27M0.02%5.73B USD0.06%$51.25+0.61%
Dimensional - International Small Cap Value ETFDISV872.27K0.02%5.23B USD0.42%$44.49+0.86%
Dimensional - International Small Cap ETFDFIS751.68K0.01%5.91B USD0.39%$37.545+0.71%
iShares Core TOPIX ETF1475.T- Market value
- 200.91M
- Weight
- 0.01%
- AUM
- 2.89T JPY
- Expense ratio
- 0.05%
- Price / 1D
- ¥418.9+0.22%
Avantis International Small Cap Value ETFAVDV- Market value
- 9.64M
- Weight
- 0.05%
- AUM
- 20.24B USD
- Expense ratio
- 0.36%
- Price / 1D
- $111.95+1.06%
Vanguard Total International Stock ETFVXUS- Market value
- 7.22M
- Weight
- 0.00%
- AUM
- 646.2B USD
- Expense ratio
- 0.05%
- Price / 1D
- $87.71+0.78%
Vanguard FTSE Developed Markets ETFVEA- Market value
- 5.46M
- Weight
- 0.00%
- AUM
- 315B USD
- Expense ratio
- 0.03%
- Price / 1D
- $73.42+0.80%
Vanguard FTSE All-World ex-US Small-Cap ETFVSS- Market value
- 2.08M
- Weight
- 0.01%
- AUM
- 13.6B USD
- Expense ratio
- 0.06%
- Price / 1D
- $160.06+0.43%
Schwab International Small-Cap Equity ETFSCHC- Market value
- 1.27M
- Weight
- 0.02%
- AUM
- 5.73B USD
- Expense ratio
- 0.06%
- Price / 1D
- $51.25+0.61%
Dimensional - International Small Cap Value ETFDISV- Market value
- 872.27K
- Weight
- 0.02%
- AUM
- 5.23B USD
- Expense ratio
- 0.42%
- Price / 1D
- $44.49+0.86%
Dimensional - International Small Cap ETFDFIS- Market value
- 751.68K
- Weight
- 0.01%
- AUM
- 5.91B USD
- Expense ratio
- 0.39%
- Price / 1D
- $37.545+0.71%
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