Stock 7186 CONCORDIA FINANCIAL GROUP, LTD.
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Financials Concordia Financial Group, Ltd.

Equities

7186

JP3305990008

Banks

Market Closed - Japan Exchange
Other stock markets
 02:00:00 2024-04-26 am EDT 		5-day change 1st Jan Change
845.8 JPY +1.45% Intraday chart for Concordia Financial Group, Ltd. +4.61% +31.21%
Apr. 18 Japan's Nikkei snaps losing streak as chip-sector stocks rebound RE
Mar. 28 Concordia Financial Group Retiring 10 Million Shares MT

Valuation

Fiscal Period: March 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 522,916 368,035 541,704 551,698 572,968 984,635 - -
Enterprise Value (EV) 1 522,916 368,035 541,704 551,698 572,968 984,635 984,635 984,635
P/E ratio 9.83 x 8.21 x 21.4 x 10.3 x 10.3 x 15.2 x 13.4 x 12.2 x
Yield 3.75% 5.08% 3.79% 3.93% 3.89% 2.65% 2.96% 3.29%
Capitalization / Revenue 2.41 x 1.7 x 2.68 x 1.92 x 1.83 x 4.62 x 4.03 x 3.84 x
EV / Revenue 2.41 x 1.7 x 2.68 x 1.92 x 1.83 x 4.62 x 4.03 x 3.84 x
EV / EBITDA - - - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 0.46 x 0.35 x 0.47 x 0.47 x 0.5 x 0.8 x 0.77 x 0.73 x
Nbr of stocks (in thousands) 1,224,626 1,168,366 1,206,468 1,204,580 1,174,114 1,164,146 - -
Reference price 2 427.0 315.0 449.0 458.0 488.0 845.8 845.8 845.8
Announcement Date 5/14/19 5/14/20 5/12/21 5/12/22 5/12/23 - - -
1JPY in Million2JPY
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: March 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 216,590 215,878 201,931 286,979 312,983 213,303 244,309 256,732
EBITDA - - - - - - - -
EBIT 1 99,253 81,060 65,043 87,666 92,554 80,613 114,956 130,750
Operating Margin 45.83% 37.55% 32.21% 30.55% 29.57% 37.79% 47.05% 50.93%
Earnings before Tax (EBT) 1 79,314 68,641 36,315 78,584 80,533 89,452 104,076 112,358
Net income 1 54,285 46,536 25,326 53,881 56,159 65,084 73,048 79,685
Net margin 25.06% 21.56% 12.54% 18.78% 17.94% 30.51% 29.9% 31.04%
EPS 2 43.46 38.38 20.99 44.67 47.39 55.79 63.04 69.44
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 16.00 16.00 17.00 18.00 19.00 22.38 25.02 27.83
Announcement Date 5/14/19 5/14/20 5/12/21 5/12/22 5/12/23 - - -
1JPY in Million2JPY
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: March 2020 S1 2021 S1 2022 Q2 2022 S1 2022 Q3 2022 Q4 2023 Q1 2023 S1 2023 Q3 2024 Q1 2024 Q2 2024 S1 2024 Q3 2024 Q4 2025 Q1 2025 Q2 2025 Q3
Net sales - - - 145,799 68,475 - 71,437 149,406 78,561 84,433 - 177,745 83,944 - - - -
EBITDA - - - - - - - - - - - - - - - - -
EBIT 1 - - 24,600 55,224 23,032 9,410 24,924 - - 6,586 25,507 - - 21,372 26,065 30,412 24,950
Operating Margin - - - 37.88% 33.64% - 34.89% - - 7.8% - - - - - - -
Earnings before Tax (EBT) 42,393 34,031 - 51,000 21,370 - 24,783 42,204 23,593 22,101 - 47,539 23,374 - - - -
Net income 1 30,093 23,738 15,162 35,883 14,162 3,836 17,315 29,359 16,423 20,365 17,473 37,838 16,080 12,031 18,404 21,191 16,929
Net margin - - - 24.61% 20.68% - 24.24% 19.65% 20.9% 24.12% - 21.29% 19.16% - - - -
EPS 2 24.69 19.67 12.57 29.74 11.73 3.200 14.55 24.72 13.87 17.34 14.88 32.22 13.74 10.28 15.73 18.11 14.60
Dividend per Share 8.000 8.000 - 8.000 - - - 9.500 - - - 11.00 - - - - -
Announcement Date 11/11/19 11/11/20 11/11/21 11/11/21 2/3/22 5/12/22 8/3/22 11/11/22 2/3/23 8/3/23 11/10/23 11/10/23 2/5/24 - - - -
1JPY in Million2JPY
Estimates

Balance Sheet Analysis

Fiscal Period: March 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt - - - - - - - -
Net Cash position - - - - - - - -
Leverage (Debt/EBITDA) - - - - - - - -
Free Cash Flow - - - - - - - -
ROE (net income / shareholders' equity) 4.7% 4.1% 2.2% 4.6% 4.8% 5.58% 5.97% 6.16%
ROA (Net income/ Total Assets) 0.43% 0.38% 0.2% 0.36% 0.32% 0.29% 0.34% 0.38%
Assets 1 12,700,325 12,350,646 12,387,987 14,947,430 17,504,286 22,307,980 21,697,264 20,969,682
Book Value Per Share 2 937.0 911.0 956.0 965.0 984.0 1,051 1,101 1,152
Cash Flow per Share - - - - - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 5/14/19 5/14/20 5/12/21 5/12/22 5/12/23 - - -
1JPY in Million2JPY
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Concordia Financial Group, Ltd.

Trading Rating
Investor Rating
ESG Refinitiv
B
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
8
Last Close Price
845.8 JPY
Average target price
847.5 JPY
Spread / Average Target
+0.20%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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