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
 11:30:00 03/07/2024 am IST 		5-day change 1st Jan Change
957.1 JPY -1.45% Intraday chart for Concordia Financial Group, Ltd. +2.19% +48.48%
15/05 Caution Ahead of US Inflation Data Leaves Japanese Shares Subdued MT
15/05 Concordia Financial's Attributable Profit Spikes 19% in Fiscal Year Ended March MT

Valuation

Fiscal Period: March 2020 2021 2022 2023 2024 2025 2026 2027
Capitalization 1 3,68,035 5,41,704 5,51,698 5,72,968 8,96,159 11,14,203 - -
Enterprise Value (EV) 1 3,68,035 5,41,704 5,51,698 5,72,968 8,96,159 11,14,203 11,14,203 11,14,203
P/E ratio 8.21 x 21.4 x 10.3 x 10.3 x 13.5 x 14.6 x 13 x 12 x
Yield 5.08% 3.79% 3.93% 3.89% 2.99% 2.73% 3.05% 3.37%
Capitalization / Revenue 1.7 x 2.68 x 1.92 x 1.83 x 2.5 x 4.24 x 4.07 x 3.87 x
EV / Revenue 1.7 x 2.68 x 1.92 x 1.83 x 2.5 x 4.24 x 4.07 x 3.87 x
EV / EBITDA - - - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 0.35 x 0.47 x 0.47 x 0.5 x 0.7 x 0.84 x 0.81 x 0.77 x
Nbr of stocks (in thousands) 11,68,366 12,06,468 12,04,580 11,74,114 11,64,146 11,64,145 - -
Reference price 2 315.0 449.0 458.0 488.0 769.8 957.1 957.1 957.1
Announcement Date 14/05/20 12/05/21 12/05/22 12/05/23 13/05/24 - - -
1JPY in Million2JPY
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: March 2020 2021 2022 2023 2024 2025 2026 2027
Net sales 1 2,15,878 2,01,931 2,86,979 3,12,983 3,58,303 2,62,958 2,74,022 2,87,566
EBITDA - - - - - - - -
EBIT 1 81,060 65,043 87,666 92,554 88,154 1,10,491 1,28,833 1,40,733
Operating Margin 37.55% 32.21% 30.55% 29.57% 24.6% 42.02% 47.02% 48.94%
Earnings before Tax (EBT) 1 68,641 36,315 78,584 80,533 91,392 1,12,313 1,21,830 1,28,274
Net income 1 46,536 25,326 53,881 56,159 66,931 76,577 84,125 90,040
Net margin 21.56% 12.54% 18.78% 17.94% 18.68% 29.12% 30.7% 31.31%
EPS 2 38.38 20.99 44.67 47.39 57.16 65.55 73.58 79.52
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 16.00 17.00 18.00 19.00 23.00 26.13 29.18 32.28
Announcement Date 14/05/20 12/05/21 12/05/22 12/05/23 13/05/24 - - -
1JPY in Million2JPY
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: March 2021 S1 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 - 1,45,799 68,475 - 71,437 1,49,406 78,561 84,433 - 1,77,745 83,944 - - - -
EBITDA - - - - - - - - - - - - - - -
EBIT 1 - 55,224 23,032 9,410 24,924 - - 6,586 25,507 - 21,822 27,739 26,065 30,412 24,950
Operating Margin - 37.88% 33.64% - 34.89% - - 7.8% - - 26% - - - -
Earnings before Tax (EBT) 34,031 51,000 21,370 - 24,783 42,204 23,593 22,101 - 47,539 23,374 - - - -
Net income 1 23,738 35,883 14,162 3,836 17,315 29,359 16,423 20,365 17,473 37,838 16,080 10,013 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 19.67 29.74 11.73 3.200 14.55 24.72 13.87 17.34 14.88 32.22 13.74 11.09 15.73 18.11 14.60
Dividend per Share 8.000 8.000 - - - 9.500 - - - 11.00 - - - - -
Announcement Date 11/11/20 11/11/21 03/02/22 12/05/22 03/08/22 11/11/22 03/02/23 03/08/23 10/11/23 10/11/23 05/02/24 13/05/24 - - -
1JPY in Million2JPY
Estimates

Balance Sheet Analysis

Fiscal Period: March 2020 2021 2022 2023 2024 2025 2026 2027
Net Debt - - - - - - - -
Net Cash position - - - - - - - -
Leverage (Debt/EBITDA) - - - - - - - -
Free Cash Flow - - - - - - - -
ROE (net income / shareholders' equity) 4.1% 2.2% 4.6% 4.8% 5.4% 5.97% 6.35% 6.41%
ROA (Net income/ Total Assets) 0.38% 0.2% 0.36% 0.32% 0.31% 0.38% 0.39% 0.39%
Assets 1 1,23,50,646 1,23,87,987 1,49,47,430 1,75,04,286 2,17,78,219 2,03,25,805 2,17,00,037 2,29,30,194
Book Value Per Share 2 911.0 956.0 965.0 984.0 1,098 1,140 1,182 1,239
Cash Flow per Share - - - - - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 14/05/20 12/05/21 12/05/22 12/05/23 13/05/24 - - -
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
957.1 JPY
Average target price
956.2 JPY
Spread / Average Target
-0.09%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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