Yokohama Financial Group, Inc. (7186.T) stock analysis

In our weekly check, Yokohama Financial Group, Inc. is graded B (A to F). Of 25 checks on debt, profit, cash flow and trend: 18 pass, warnings: 2, red flags: 5.

About Yokohama Financial Group, Inc.

Yokohama Financial Group, Inc. is a Financial Services company (Banks - Regional) based in Japan, listed on JPX as 7186.T.

What our checks show for 7186.T

Red flags

• The gross margin fell by 16.3 points, to 78.8%: costs are rising faster than prices.
• The stock has fallen as much as 63% from a peak. Would you have held through that?
• Recovering from its deepest fall took about 3.8 years.
• Return on capital (ROCE) is only 0.7%.

Warning signs

• Analysts expect only about 2% a year of growth in revenue.
• The price swings a lot: 35.6% annual volatility. Expect large ups and downs.

Strengths

• The net margin rose by 2.8 points over 5 years, to 22.4%.
• Operating cash flow is 1.72x net profit: the profit arrives as real cash.
• Analysts expect earnings per share to grow about 23.6% a year over the next years.
• Analysts expect the net margin to improve by 15.5 points from today's 22.4%.
• Revenue grew 17.3% a year over the last 3 years.
• Earnings per share grew 27.9% a year over the last 3 years.

Next earnings report: 2026-11-11

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Questions

What grade does Yokohama Financial Group, Inc. (7186.T) have?

In our weekly check, Yokohama Financial Group, Inc. is graded B (A to F). Of 25 checks on debt, profit, cash flow and trend: 18 pass, warnings: 2, red flags: 5. The grade is a risk check, not a buy or sell recommendation.

What are the main risks of 7186.T stock?

This week's biggest flags for Yokohama Financial Group, Inc.: Gross margin falling, Deep past fall, Slow recovery after falls. In total 7 of 25 checks show a warning or a red flag.

What does Yokohama Financial Group, Inc. do?

Yokohama Financial Group, Inc. is a Financial Services company (Banks - Regional) based in Japan, listed on JPX as 7186.T.

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

The next earnings report is expected on 2026-11-11. 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 2026-10-24

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