Kyoto Financial Group,Inc. (5844.T) stock analysis

In our weekly check, Kyoto Financial Group,Inc. is graded B (A to F). Of 25 checks on debt, profit, cash flow and trend: 19 pass, warnings: 1, red flags: 5.

About Kyoto Financial Group,Inc.

Kyoto Financial Group,Inc. is a Financial Services company (Banks - Regional) based in Japan, listed on JPX as 5844.T.

What our checks show for 5844.T

Red flags

• Operating cash flow is only 0.35x net profit: part of the reported profit does not arrive as cash.
• Analysts expect revenue to shrink about 15.4% a year.
• The stock has fallen as much as 67% from a peak. Would you have held through that?
• Recovering from its deepest fall took about 10.7 years.
• Return on capital (ROCE) is only 1.3%.

Strengths

• The net margin rose by 11 points over 5 years, to 27.6%.
• Analysts expect the net margin to improve by 16.4 points from today's 27.6%.
• Revenue grew 45.4% a year over the last 3 years.
• Earnings per share grew 59.1% a year over the last 3 years.
• Net profit grew 56.3% a year over the last 3 years.
• The company keeps 27.6% of its revenue as net profit.

Next earnings report: 2026-11-13

Similar companies

INDIANB.NS · 8359.T · BANKBARODA.NS · 2887.TW · 8354.T · 3968.HK

Questions

What grade does Kyoto Financial Group,Inc. (5844.T) have?

In our weekly check, Kyoto Financial Group,Inc. is graded B (A to F). Of 25 checks on debt, profit, cash flow and trend: 19 pass, warnings: 1, red flags: 5. The grade is a risk check, not a buy or sell recommendation.

What are the main risks of 5844.T stock?

This week's biggest flags for Kyoto Financial Group,Inc.: Profits not backed by cash, Weak revenue forecast, Deep past fall. In total 6 of 25 checks show a warning or a red flag.

What does Kyoto Financial Group,Inc. do?

Kyoto Financial Group,Inc. is a Financial Services company (Banks - Regional) based in Japan, listed on JPX as 5844.T.

When does Kyoto Financial Group,Inc. report earnings next?

The next earnings report is expected on 2026-11-13. We re-run the checks every week, so the grade can change after it.

The grade is a risk check, not a price forecast, and not investment advice. In our 10-year test (S&P 500, 2016-2026), stocks we graded A or B fell more than 30% 2-3 times less often than D or F, without a lower average return.

Updated 2026-10-31

Open the full analysis