Company profile

San ju San Financial Group,Inc

EDINET
E33693
Securities
7322
Industry
Banks
Latest annual securities report
2026-06-18 Annual Securities Report PDF HTML
Latest financial report
—
Latest filing
2026-09-10 Amended Extraordinary Report PDF HTML
Compare this company

Industry position

Banks

View details
Profitability Average Based on ROE Current Bottom 46% 5-year trend Improving
Financial strength Above average Based on Equity ratio Current Top 45% 5-year trend Deteriorating
Growth Above average Current Top 34% 5-year trend Improving

Half-year trend

Half-year financial trend

H1 values are cumulative year-to-date.

H2 values are calculated when comparable.

Consolidated · Japanese GAAP · Cumulative YTD

Mode

Half-year financial data

Annual key financial indicators

FY2026

Consolidated Japanese GAAP

Revenue reached ¥16.65 billion, up 41.7% year over year. Net income was ¥12.35 billion, up 42.7% year over year. ROE was 5.3%; equity ratio was 5.0%; free cash flow was -¥70.57 billion.

Revenue ¥16.65B up 41.7% year over year
Operating income —
Net income ¥12.35B up 42.7% year over year
Total assets¥4.58T
Total equity—
Operating cash flow-¥49.72B
Free cash flow-¥70.57B

Industry position details

Banks

Annual data for the same fiscal year and industry

Comparison sample varies by metric

Profitability Average
Based on ROE

ROE Bottom 56%

Financial strength Above average
Based on Equity ratio

Equity ratio Top 46%

Growth Above average

Revenue growth Top 27% / 3-year revenue CAGR Top 43%

Profitability Industry position history Improving
2026 Bottom 46% 2025 Bottom 39% 2024 Bottom 38% 2023 Bottom 32% 2022 Bottom 14%
Financial strength Industry position history Deteriorating
2026 Top 45% 2025 Bottom 47% 2024 Bottom 50% 2023 Top 43% 2022 Top 28%
Growth Industry position history Improving
2026 Top 34% 2025 Top 33% 2024 Top 22% 2023 Top 19% 2022 Bottom 42%
Profitability ROE 5.3% Industry median 5.6% Bottom 56% Comparison sample 83
Financial strength Equity ratio 5.0% Industry median 4.9% Top 46% Comparison sample 83
Growth Revenue growth +41.7% Industry median +32.7% Top 27% Comparison sample 83
Growth 3-year revenue CAGR +24.0% Industry median +21.3% Top 43% Comparison sample 76

Annual financial data

Fiscal year Scope Accounting standard Revenue Operating income Ordinary income Profit before tax Net income Profit attributable to owners of parent Comprehensive income Total assets Total liabilities Net assets Shareholders' equity Equity Equity attributable to owners of parent Equity for ratio Operating cash flow Investing cash flow Financing cash flow Free cash flow Cash and cash equivalents Basic EPS P/E Share price Market cap Book value per share Dividend per share Shares issued Equity ratio Official equity ratio ROE ROA Operating margin Ordinary income margin Net margin Operating cash flow margin Free cash flow margin Dividend payout ratio Revenue YoY Operating income YoY Ordinary income YoY Profit before tax YoY Net income YoY Total assets YoY Equity YoY Operating cash flow YoY Investing cash flow YoY Financing cash flow YoY Free cash flow YoY Cash and cash equivalents YoY EPS YoY Dividend per share YoY Shares issued YoY Employees YoY Average salary YoY Employees Average salary
FY2026 Consolidated Japanese GAAP 16647000000 16647000000 12349000000 12349000000 28663000000 4584084000000 4352910000000 231174000000 214817000000 231174000000 -49721000000 -20851000000 -3680000000 -70572000000 348108000000 118.61 12.13 1438.7393 37648332925.5905 2221.09 26167585 0.0504297042 0.0504 0.053418637 0.0026938861 1.0 0.7418153421 -2.9867844056 -4.2393224004 0.4166453919 0.4166453919 0.4271350977 0.016243188 0.1221439632 -6.1037774584 -0.7871775092 -0.7333961375 -35.6607792208 -0.1758065356 -0.643310378 0.0 -0.0222876367 2325
FY2025 Consolidated Japanese GAAP 11751000000 11751000000 8653000000 8653000000 -4351000000 4510814000000 4304803000000 206011000000 205971000000 206011000000 9742000000 -11667000000 -2123000000 -1925000000 422362000000 332.53 7.11 2364.2883 61867715054.7555 7914.29 26167585 0.045670471 0.0456 0.0420026115 0.0019182791 1.0 0.7363628627 0.8290358267 -0.1638158455 0.204613019 0.204613019 0.2533314021 0.0171059426 -0.0334701729 -0.8547985632 -1.4989095574 0.0717096633 -1.0212758903 -0.0094932108 0.2525613982 0.0 -0.0218017277 2378
FY2024 Consolidated Japanese GAAP 9755000000 9755000000 6904000000 6904000000 20397000000 4434950000000 4221804000000 213145000000 200101000000 213145000000 67093000000 23385000000 -2287000000 90478000000 426410000000 265.48 7.84 2081.3632 54464248451.8720 8194.14 26167585 0.0480602938 0.048 0.0323910953 0.0015567256 1.0 0.7077396207 6.8778062532 9.2750384418 0.1165159666 0.1165159666 0.0903348073 0.0348103872 0.09294479 1.175422129 1.1624669126 0.9291665376 1.1718797195 0.2607511701 0.113543895 0.0 -0.0391304348 2431
FY2023 Consolidated Japanese GAAP 8737000000 8737000000 6332000000 6332000000 -2370000000 4285761000000 4090741000000 195019000000 195103000000 195019000000 -382466000000 -143937000000 -32287000000 -526403000000 338219000000 238.41 6.62 1578.2742 41299624281.8070 7486.03 26167585 0.0455039373 0.0454 0.0324686313 0.0014774506 1.0 0.7247338904 -43.7754377933 -60.2498569303 0.7889025389 0.7889025389 0.2909276249 -0.0755508609 -0.1507435713 -2.0201813817 -27.5136687797 -13.3243123336 -2.4232801229 -0.6229068436 0.3623428571 -0.1383053674 -0.0332441727 2530
FY2022 Consolidated Japanese GAAP 4884000000 4884000000 4905000000 4905000000 -6617000000 4636016000000 4406380000000 229635000000 221015000000 229635000000 374900000000 -5048000000 -2254000000 369852000000 896911000000 175.0 8.43 1475.250 44799779771.250 7643.77 30367585 0.0495328316 0.0494 0.0213599843 0.0010580205 1.0 1.0042997543 76.7608517609 75.7272727273 0.430999121 0.430999121 0.1737257717 0.0749322083 -0.0371334767 0.3920760462 -1.0954885085 -0.0116696589 0.1479847909 0.6944813371 0.1874872769 0.0 -0.0310995927 2617
FY2021 Consolidated Japanese GAAP 3413000000 3413000000 4179000000 4179000000 13246000000 4312845000000 4074354000000 238491000000 218342000000 238491000000 269310000000 52865000000 -2228000000 322175000000 529313000000 147.37 9.44 1391.1728 42246558253.6880 7989.01 30367585 0.055297837 0.0552 0.0175226738 0.000968966 1.0 1.2244359801 78.9071198359 94.3964254322 -0.4475558433 -0.4475558433 0.0067453626 0.0954834639 0.0484733915 3.4423887906 -0.2455940064 0.7804060714 9.0162975865 1.5281949141 0.0065569292 0.0 0.0104751216 2701
FY2020 Consolidated Japanese GAAP 6178000000 6178000000 4151000000 4151000000 -13715000000 3936933000000 3709468000000 227465000000 216367000000 227465000000 -110265000000 70075000000 -10146000000 -40190000000 209364000000 146.41 10.19 1491.9179 45305943641.2715 7566.42 30367585 0.0577772088 0.0576 0.0182489614 0.0010543741 1.0 0.6719002914 -17.8480090644 -6.5053415345 -0.2062186817 -0.2062186817 -0.9205960556 -0.0329243642 -0.0690483596 -4.1245526793 6.2669293788 -1.0855087359 -2.3847060805 -0.1938236427 -0.9264511592 0.0 -0.0129246677 2673
FY2019 Consolidated Japanese GAAP 7783000000 7783000000 52277000000 52277000000 54375000000 4070967000000 3826630000000 244336000000 213027000000 244336000000 -21517000000 9643000000 -4865000000 -11874000000 259700000000 1990.65 0.77 1532.8005 46547449471.7925 8138.37 30367585 0.0600191552 0.0594 0.2139553729 0.0128414207 1.0 6.7168187074 -2.7646151869 -1.5256327894 2708

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Source data: Financial Services Agency EDINET / Data organization, aggregation, and metric calculations: bestforever.jp