Fukuoka Financial Group, Inc. (8354.T) stock analysis

In our weekly check, Fukuoka Financial Group, Inc. is graded C (A to F). Of 25 checks on debt, profit, cash flow and trend: 13 pass, warnings: 3, red flags: 9.

About Fukuoka Financial Group, Inc.

Fukuoka Financial Group, Inc. is a Financial Services company (Banks - Regional) based in Japan, listed on JPX as 8354.T.

What our checks show for 8354.T

Red flags

• The net margin fell by 5.3 points over 5 years, to 14.5%: the company keeps less of each sale as profit.
• The gross margin fell by 26.1 points, to 69.1%: costs are rising faster than prices.
• Operating cash flow is only 0.31x net profit: part of the reported profit does not arrive as cash.
• Analysts expect revenue to shrink about 13.5% a year.
• The stock has fallen as much as 76% from a peak. Would you have held through that?
• Recovering from its deepest fall took about 16.3 years.
• Return on capital (ROCE) is only 0.5%.

Warning signs

• Free cash flow is only 2.9% of revenue.
• Free cash flow covers the dividend only 0.6 times.
• The price swings a lot: 35.6% annual volatility. Expect large ups and downs.

Strengths

• Analysts expect earnings per share to grow about 18.6% a year over the next years.
• Analysts expect the net margin to improve by 16.2 points from today's 14.5%.
• Revenue grew 25.4% a year over the last 3 years.
• Earnings per share grew 42.9% a year over the last 3 years.
• Net profit grew 43.1% a year over the last 3 years.
• The price is 14.4 times earnings (P/E), reasonable for its growth.

Next earnings report: 2026-11-10

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Questions

What grade does Fukuoka Financial Group, Inc. (8354.T) have?

In our weekly check, Fukuoka Financial Group, Inc. is graded C (A to F). Of 25 checks on debt, profit, cash flow and trend: 13 pass, warnings: 3, red flags: 9. The grade is a risk check, not a buy or sell recommendation.

What are the main risks of 8354.T stock?

This week's biggest flags for Fukuoka Financial Group, Inc.: Margins falling, Gross margin falling, Profits not backed by cash. In total 12 of 25 checks show a warning or a red flag.

What does Fukuoka Financial Group, Inc. do?

Fukuoka Financial Group, Inc. is a Financial Services company (Banks - Regional) based in Japan, listed on JPX as 8354.T.

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

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

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