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Seven Bank, Ltd. logo

Seven Bank, Ltd.

8410.T

JPXFinancial ServicesBanks - Regional

Open in GoAI

Latest quote

¥333.1

+¥0.60 · +0.18%

Aug 24, 3:30 PM JST

8410.T company overview

Regular session · JST · Market data may be delayed.

Company profile

Company website

Seven Bank, Ltd. provides various banking products and services to individual and corporate customers in Japan and internationally. The company offers account services, including deposits, post payment, financial product intermediary, loan, and debit services; ATM services, such as cash inflows and outflows, top-up transactions, account opening and information change services, information services for ATM transactions, and Mynaportal information sharing services; and credit card and electronic money services. It also provides back-office support services, as well as identity verification and fraud detection services. The company was incorporated in 2001 and is headquartered in Tokyo, Japan.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
JP
CEO
Masaaki Sugi
Listed since
Feb 22, 2010
Employees
1,393

Market position

Day range

Current ¥333.1

52-week range

Current ¥333.1

Open
¥334
Previous close
¥332.5
Volume
4.38M
0.76× average
Average volume
5.77M
Average daily volume
Market cap
389.06B JPY
Beta
0.11
Market reference 1
50-day average
¥304.87
+9.26% above average
200-day average
¥290.01
+14.86% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
-485.63B JPY
P/E (TTM)
23.21×
P/B (TTM)
1.39×
P/S (TTM)
1.91×
EV / EBITDA
-9.26×
Earnings yield
4.58%
Free cash flow yield
15.43%
Dividend yield
3.29%

Profitability & efficiency

Gross margin
98.19%
Operating margin
12.18%
Net margin
7.79%
Return on equity
4.85%
Return on assets
0.88%
Return on invested capital
0.88%

Financial health

Debt / equity
0.39×
Current ratio
62.78×
Altman Z-score
1.21
Piotroski F-score
3 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends108%71%34%-3%Gross margin, FY2022: 99.24%Gross margin, FY2023: 98.78%Gross margin, FY2024: 98.35%Gross margin, FY2025: 97.63%Gross margin, FY2026: 96.20%Operating margin, FY2022: 20.34%Operating margin, FY2023: 18.23%Operating margin, FY2024: 22.25%Operating margin, FY2025: 13.72%Operating margin, FY2026: 10.64%Net margin, FY2022: 15.60%Net margin, FY2023: 12.53%Net margin, FY2024: 15.76%Net margin, FY2025: 8.67%Net margin, FY2026: 6.74%FY2022FY2023FY2024FY2025FY2026
Gross margin FY2022 99.24%. Gross margin FY2023 98.78%. Gross margin FY2024 98.35%. Gross margin FY2025 97.63%. Gross margin FY2026 96.20%. Operating margin FY2022 20.34%. Operating margin FY2023 18.23%. Operating margin FY2024 22.25%. Operating margin FY2025 13.72%. Operating margin FY2026 10.64%. Net margin FY2022 15.60%. Net margin FY2023 12.53%. Net margin FY2024 15.76%. Net margin FY2025 8.67%. Net margin FY2026 6.74%.

Income trends

Revenue

201.7B JPY-4.02%

Operating income

21.47B JPY-25.56%

Net income

13.6B JPY-25.36%
Income trends across reported periods229.81B JPY151.19B JPY72.57B JPY−6.05B JPYRevenue, FY2022: 133.47B JPYRevenue, FY2023: 150.45B JPYRevenue, FY2024: 202.81B JPYRevenue, FY2025: 210.16B JPYRevenue, FY2026: 201.7B JPYOperating income, FY2022: 27.15B JPYOperating income, FY2023: 27.42B JPYOperating income, FY2024: 45.13B JPYOperating income, FY2025: 28.84B JPYOperating income, FY2026: 21.47B JPYNet income, FY2022: 20.83B JPYNet income, FY2023: 18.85B JPYNet income, FY2024: 31.97B JPYNet income, FY2025: 18.22B JPYNet income, FY2026: 13.6B JPYFY2022FY2023FY2024FY2025FY2026
Revenue FY2022 133.47B JPY. Revenue FY2023 150.45B JPY. Revenue FY2024 202.81B JPY. Revenue FY2025 210.16B JPY. Revenue FY2026 201.7B JPY. Operating income FY2022 27.15B JPY. Operating income FY2023 27.42B JPY. Operating income FY2024 45.13B JPY. Operating income FY2025 28.84B JPY. Operating income FY2026 21.47B JPY. Net income FY2022 20.83B JPY. Net income FY2023 18.85B JPY. Net income FY2024 31.97B JPY. Net income FY2025 18.22B JPY. Net income FY2026 13.6B JPY.
Metric (JPY)FY2026FY2025FY2024FY2023FY2022
Revenue201.7B JPY210.16B JPY202.81B JPY150.45B JPY133.47B JPY
Cost of goods sold7.66B JPY4.99B JPY3.35B JPY1.83B JPY1.02B JPY
Gross profit194.04B JPY205.17B JPY199.46B JPY148.62B JPY132.45B JPY
Selling, general, and administrative—14.72B JPY12.98B JPY10.17B JPY8.72B JPY
Operating expenses172.57B JPY176.34B JPY154.33B JPY121.2B JPY105.3B JPY
Interest income15.87B JPY11.09B JPY8.16B JPY4.93B JPY4.03B JPY
Interest expense3.34B JPY2.1B JPY1.17B JPY815M JPY602M JPY
Depreciation and amortization30.98B JPY29.17B JPY23.39B JPY19.53B JPY16.39B JPY
Operating income21.47B JPY28.84B JPY45.13B JPY27.42B JPY27.15B JPY
Net income13.6B JPY18.22B JPY31.97B JPY18.85B JPY20.83B JPY

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
36%
4 beats, 7 misses, 0 met estimates
Average EPS surprise
-23.92%
11 comparable reports
Latest EPS result
5.63
Estimate 3.25 · Beat by 73.23%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates6.53.70.91-1.89Q1 '25MissQ2 '25MissQ3 '25MissQ4 '25BeatQ1 '26MissQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Feb 7, 2025: actual 3.45, estimate 4.08, surprise -15.44%, Miss. Q2 2025, reported May 8, 2025: actual 2.77, estimate 3.9, surprise -28.97%, Miss. Q3 2025, reported Aug 7, 2025: actual 3.65, estimate 4.44, surprise -17.79%, Miss. Q4 2025, reported Nov 6, 2025: actual 5.92, estimate 4.36, surprise +35.78%, Beat. Q1 2026, reported Feb 6, 2026: actual -1.31, estimate 3.44, surprise -138.08%, Miss. Q2 2026, reported May 8, 2026: actual 4.1, estimate 2.06, surprise +99.03%, Beat. Q3 2026, reported Aug 7, 2026: actual 5.63, estimate 3.25, surprise +73.23%, Beat. Q4 2026, reported Nov 6, 2026: actual —, estimate 3.56, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates59.43B51.82B44.2B36.59BQ1 '25MissQ2 '25BeatQ3 '25MissQ4 '25No estimateQ1 '26MissQ2 '26BeatQ3 '26MissQ4 '26Estimate
Q1 2025, reported Feb 7, 2025: actual 53.21B JPY, estimate 54.92B JPY, surprise -3.11%, Miss. Q2 2025, reported May 8, 2025: actual 51.32B JPY, estimate 49.3B JPY, surprise +4.10%, Beat. Q3 2025, reported Aug 7, 2025: actual 38.87B JPY, estimate 54.95B JPY, surprise -29.26%, Miss. Q4 2025, reported Nov 6, 2025: actual 53.12B JPY, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Feb 6, 2026: actual 55.33B JPY, estimate 55.47B JPY, surprise -0.27%, Miss. Q2 2026, reported May 8, 2026: actual 57.15B JPY, estimate 56.47B JPY, surprise +1.20%, Beat. Q3 2026, reported Aug 7, 2026: actual 55.3B JPY, estimate 56.9B JPY, surprise -2.82%, Miss. Q4 2026, reported Nov 6, 2026: actual —, estimate 53.68B JPY, surprise —, Comparison unavailable.

Corporate actions

Annual dividends per share

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

¥10.957

2025 complete year-0.4% since 2021

2026 partial: ¥5.50

* Partial calendar year in the available dividend history.

Corporate action history

DividendUpcoming

Ex-dividend Sep 29, 2026

¥5.50

Semi-Annual

Record Sep 30, 2026 · Payment Sep 29, 2026

DividendUpcoming

Ex-dividend Mar 30, 2027

¥5.50

Semi-Annual

Record Mar 31, 2027 · Payment Mar 30, 2027

Dividend

Ex-dividend Mar 30, 2026

¥5.50

Semi-Annual

Record Mar 31, 2026 · Payment Jun 8, 2026

Dividend

Ex-dividend Sep 29, 2025

¥5.457

Semi-Annual

Record Sep 30, 2025 · Payment Dec 1, 2025

Dividend

Ex-dividend Mar 28, 2025

¥5.50

Semi-Annual

Record Mar 31, 2025 · Payment Jun 9, 2025

Dividend

Ex-dividend Sep 27, 2024

¥5.50

Semi-Annual

Record Sep 30, 2024 · Payment Dec 2, 2024

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ETFs holding 8410.T

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

iShares Core TOPIX ETF logoiShares Core TOPIX ETF1475.T
Market value
523.62M
Weight
0.02%
AUM
2.89T JPY
Expense ratio
0.05%
Price / 1D
¥417.7-0.07%
iShares JPX-Nikkei 400 ETF logoiShares JPX-Nikkei 400 ETF1364.T
Market value
153.05M
Weight
0.03%
AUM
592.34B JPY
Expense ratio
0.05%
Price / 1D
¥3,7610.00%
Avantis International Small Cap Value ETF logoAvantis International Small Cap Value ETFAVDV
Market value
22.46M
Weight
0.11%
AUM
20.24B USD
Expense ratio
0.36%
Price / 1D
$111.95+1.06%
Vanguard Total International Stock ETF logoVanguard Total International Stock ETFVXUS
Market value
17.64M
Weight
0.00%
AUM
646.2B USD
Expense ratio
0.05%
Price / 1D
$87.71+0.78%
iShares Core MSCI EAFE ETF logoiShares Core MSCI EAFE ETFIEFA
Market value
10.35M
Weight
0.01%
AUM
195.14B USD
Expense ratio
0.07%
Price / 1D
$100.85+0.86%
Vanguard FTSE Developed Markets ETF logoVanguard FTSE Developed Markets ETFVEA
Market value
10.17M
Weight
0.00%
AUM
315B USD
Expense ratio
0.03%
Price / 1D
$73.42+0.80%
State Street SPDR S&P International Dividend ETF logoState Street SPDR S&P International Dividend ETFDWX
Market value
4.69M
Weight
0.88%
AUM
530.82M USD
Expense ratio
0.45%
Price / 1D
$48.18+0.63%
iShares MSCI EAFE Small-Cap ETF logoiShares MSCI EAFE Small-Cap ETFSCZ
Market value
3.8M
Weight
0.03%
AUM
13.28B USD
Expense ratio
0.40%
Price / 1D
$86.60+0.70%

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