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Shinkin Central Bank logo

Shinkin Central Bank

8421.T

JPXFinancial ServicesBanks - Regional

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Latest quote

¥191,700

−¥300 · -0.16%

Aug 24, 2:44 PM JST

8421.T company overview

Regular session · JST · Market data may be delayed.

Company profile

Company website

Shinkin Central Bank operates as the central financial institution for Shinkin banks across Japan. It provides a comprehensive array of financial products and services, including deposit accounts, debenture issuance, lending facilities, asset management, trading activities, and various trust services. Beyond these core offerings, the bank is also involved in securities investment, investment management, guaranteeing consumer credit and unsecured loans, investment banking, facilitating mergers and acquisitions, offering business support, and delivering outsourced data processing solutions. The institution was established in 1950 and maintains its corporate headquarters in Tokyo, Japan.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
JP
CEO
Hiroyuki Shibata
Listed since
Sep 29, 2005
Employees
1,849

Market position

Day range

Current ¥191,700

52-week range

Current ¥191,700

Open
¥192,800
Previous close
¥192,000
Volume
250
1.29× average
Average volume
194
Average daily volume
Market cap
1.67T JPY
Beta
0.04
Market reference 1
50-day average
¥186,864
+2.59% above average
200-day average
¥190,930.5
+0.40% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
2.8T JPY
EV / EBITDA
39.65×
Earnings yield
2.48%
Free cash flow yield
6.78%

Profitability & efficiency

Return on equity
2.65%
Return on assets
0.09%
Return on invested capital
0.09%

Financial health

Current ratio
1.52×
Altman Z-score
0.11
Piotroski F-score
7 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends80%53%26%-0%Gross margin, FY2022: 73.17%Gross margin, FY2023: 72.02%Gross margin, FY2024: 58.49%Gross margin, FY2025: 33.97%Gross margin, FY2026: 30.07%Operating margin, FY2022: 19.70%Operating margin, FY2023: 9.60%Operating margin, FY2024: 10.32%Operating margin, FY2025: 12.11%Operating margin, FY2026: 8.89%Net margin, FY2022: 14.69%Net margin, FY2023: 7.06%Net margin, FY2024: 7.53%Net margin, FY2025: 8.82%Net margin, FY2026: 6.46%FY2022FY2023FY2024FY2025FY2026
Gross margin FY2022 73.17%. Gross margin FY2023 72.02%. Gross margin FY2024 58.49%. Gross margin FY2025 33.97%. Gross margin FY2026 30.07%. Operating margin FY2022 19.70%. Operating margin FY2023 9.60%. Operating margin FY2024 10.32%. Operating margin FY2025 12.11%. Operating margin FY2026 8.89%. Net margin FY2022 14.69%. Net margin FY2023 7.06%. Net margin FY2024 7.53%. Net margin FY2025 8.82%. Net margin FY2026 6.46%.

Income trends

Revenue

665.5B JPY+38.26%

Operating income

59.17B JPY+1.48%

Net income

43.01B JPY+1.31%
Income trends across reported periods729.43B JPY473.72B JPY218B JPY−37.71B JPYRevenue, FY2022: 244.6B JPYRevenue, FY2023: 371.44B JPYRevenue, FY2024: 427.06B JPYRevenue, FY2025: 481.33B JPYRevenue, FY2026: 665.5B JPYOperating income, FY2022: 48.18B JPYOperating income, FY2023: 35.65B JPYOperating income, FY2024: 44.08B JPYOperating income, FY2025: 58.31B JPYOperating income, FY2026: 59.17B JPYNet income, FY2022: 35.94B JPYNet income, FY2023: 26.22B JPYNet income, FY2024: 32.15B JPYNet income, FY2025: 42.45B JPYNet income, FY2026: 43.01B JPYFY2022FY2023FY2024FY2025FY2026
Revenue FY2022 244.6B JPY. Revenue FY2023 371.44B JPY. Revenue FY2024 427.06B JPY. Revenue FY2025 481.33B JPY. Revenue FY2026 665.5B JPY. Operating income FY2022 48.18B JPY. Operating income FY2023 35.65B JPY. Operating income FY2024 44.08B JPY. Operating income FY2025 58.31B JPY. Operating income FY2026 59.17B JPY. Net income FY2022 35.94B JPY. Net income FY2023 26.22B JPY. Net income FY2024 32.15B JPY. Net income FY2025 42.45B JPY. Net income FY2026 43.01B JPY.
Metric (JPY)FY2026FY2025FY2024FY2023FY2022
Revenue665.5B JPY481.33B JPY427.06B JPY371.44B JPY244.6B JPY
Cost of goods sold465.37B JPY317.84B JPY177.26B JPY103.93B JPY65.63B JPY
Gross profit200.13B JPY163.48B JPY249.8B JPY267.51B JPY178.97B JPY
Operating expenses140.95B JPY105.18B JPY205.72B JPY231.86B JPY130.79B JPY
Interest income570.69B JPY399.82B JPY283.91B JPY208.25B JPY175.2B JPY
Interest expense464.69B JPY318.69B JPY177.4B JPY105.26B JPY70.18B JPY
Depreciation and amortization11.51B JPY10.95B JPY10.63B JPY9.86B JPY9.78B JPY
Operating income59.17B JPY58.31B JPY44.08B JPY35.65B JPY48.18B JPY
Net income43.01B JPY42.45B JPY32.15B JPY26.22B JPY35.94B JPY

Company facts updated Aug 24, 2026.

Earnings

Latest EPS result
1,551.87

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly EPS actual values compared with estimates1,616.321,304.8993.29681.77Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Q4 2024, reported Oct 30, 2024: actual 830.59, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Jan 30, 2025: actual 1,392.08, estimate —, surprise —, Comparison unavailable. Q2 2025, reported May 20, 2025: actual 808.67, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Jul 30, 2025: actual 1,233, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Oct 28, 2025: actual 1,276.3, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Jan 29, 2026: actual 1,439.08, estimate —, surprise —, Comparison unavailable. Q2 2026, reported May 20, 2026: actual 746.22, estimate —, surprise —, Comparison unavailable. Q3 2026, reported Jul 29, 2026: actual 1,551.87, estimate —, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Estimates unavailable
Quarterly Revenue actual values compared with estimates205.78B146.91B88.04B29.17BQ4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Q4 2024, reported Oct 30, 2024: actual 34.31B JPY, estimate —, surprise —, Comparison unavailable. Q1 2025, reported Jan 30, 2025: actual 124.98B JPY, estimate —, surprise —, Comparison unavailable. Q2 2025, reported May 20, 2025: actual 137.97B JPY, estimate —, surprise —, Comparison unavailable. Q3 2025, reported Jul 30, 2025: actual 47.77B JPY, estimate —, surprise —, Comparison unavailable. Q4 2025, reported Oct 28, 2025: actual 159.25B JPY, estimate —, surprise —, Comparison unavailable. Q1 2026, reported Jan 29, 2026: actual 174.92B JPY, estimate —, surprise —, Comparison unavailable. Q2 2026, reported May 20, 2026: actual 175.1B JPY, estimate —, surprise —, Comparison unavailable. Q3 2026, reported Jul 29, 2026: actual 193.08B JPY, estimate —, surprise —, Comparison unavailable.

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