Concordia Financial (7186) Stock Price, Fundamentals & Analysis

What 7186 does

Concordia Financial (7186) is a stock listed on the Tokyo Stock Exchange in the Financial Services sector, specifically within the Banks - Regional industry. The company, formerly known as Concordia Financial Group, Ltd., changed its name to Yokohama Financial Group, Inc. in October 2025. It provides banking products and services to small and medium-sized businesses and individuals in Japan and internationally, including current, savings, notice, and term deposits, loan products, and securities, leasing, information, research, and venture capital services. It is part of the broader Japanese financial ecosystem alongside peers such as Chiba Ginkō (8331), Sumitomo Mitsui Trust Holdings (8309), and Sompo Japan Nipponkoa Holdings (8630).

Key numbers explained

• 1,930.5 JPY is the current share price, representing the last traded price in the market.
• +3.99% is today's price change, showing the percentage gain or loss compared to the previous close.
• 2.14T JPY is the market capitalization, the total value of all outstanding shares, indicating the company's overall size.
• The trailing P/E ratio of 20.5 divides the current share price by the last 12 months of earnings per share, helping investors assess how much they pay for each unit of recent earnings.
• The forward P/E ratio of 26.1 uses expected future earnings, offering a view of valuation based on analyst estimates.
• 94.02 JPY is the trailing 12-month earnings per share, showing how much profit the company generated per share over the last year.
• The dividend yield of 2.49% indicates the annual dividend payment as a percentage of the current share price.
• 0.23 is the beta, a measure of the stock's volatility relative to the overall market; a value below 1 suggests lower sensitivity to market swings.
• The 52-week price range of 1,055 – 1,995.5 JPY shows the lowest and highest traded prices over the past year, with the current price near the upper end.
• 70.4% is the price change over the last 52 weeks, reflecting the total return from one year ago to today.
• 399.4B JPY is the trailing 12-month revenue, representing the total income from the company's core business activities.
• 12.6% is the year-over-year revenue growth, showing how much the company's top line has expanded compared to the same period last year.
• 27.9% is the profit margin, indicating the percentage of revenue that remains as net profit after all expenses.
• 44.3% is the operating margin, reflecting profitability from core operations before interest and taxes.
• 1.47 is the price-to-book ratio, comparing the market price to the company's book value per share.
• 40% is the share of earnings paid out as dividends, showing the portion of profit returned to shareholders.
• The ex-dividend date of 29 Sept. 2026 is the cutoff date; buying shares on or after this date means the buyer is not entitled to the next dividend payment.
• The next earnings date of 11 Nov. 2026 is when the company is scheduled to report its latest financial results.

What to watch

• Regional bank stocks like 7186 are often influenced by domestic interest rate policies set by the central bank, which can affect lending margins and deposit costs.
• The company's exposure to small and medium-sized businesses means its performance can be sensitive to local economic cycles and credit demand in Japan.
• Changes in the profit margin and operating margin over time can signal shifts in cost management or pricing power within the regional banking sector.
• The dividend yield and the share of earnings paid out as dividends may attract income-focused investors, but sustainability depends on ongoing earnings strength.
• As a component of the Japanese equity market, 7186 can be affected by broader sector trends alongside peers like Daiwa Securities Group (8601) and Japan Exchange Group (8697).