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Regional bank holding company serving Aichi prefecture, formed from a merger of two local banks near Nagoya.
Regional bank holding company serving Aichi prefecture, formed from a merger of two local banks near Nagoya.
Earns mostly the gap between loan interest and deposit costs, with much of its lending going to the small suppliers around the Nagoya car-making cluster. Combining two banks under one group lets them share back-office costs.
In one line: A rural Japanese community bank holding company.
Moat: narrow (distribution, regulatory licence). Local branch density and deposit franchise in the industrial Aichi/Nagoya region.
Headquarters: Okazaki, Japan · Founded: 2022 · Employees: 2,562
Size Aichi Financial (7389.T) is a Japan Financials company (Major Banks) with a market value of $2.40B, the 426th largest of 1,379 Japan companies the cockpit tracks. Shares closed at ¥1,540 on 6 Nov 2026.
Performance Over six months the shares gained 3.5%, against +1.6% for the median peer and +1.8% for the Japan market (cap-weighted) — 10th highest of 21 in its peer set.
Growth Revenue grew 31.2% over the last twelve months (peer median +4.4%); the operating margin is 24.9% (peer median 33.3%).
Valuation It trades at 0.81× book value against a peer median of 0.93× (7th cheapest of 21).
Price implies The share price implies a return on equity of about 6.5%; Aichi Financial delivers 7.8%, so the price asks less than the business earns today.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | ¥113B | ¥113B | ¥96.1B | ¥86.7B | ¥71.2B |
| Revenue growth | — | +17% | +11% | +22% | — |
| Net income | ¥32.5B | ¥21.8B | ¥9.10B | ¥8.30B | ¥81.8B |
| Free cash flow | n/a | ¥37.7B | ¥38.0B | -¥14.6B | ¥79.0M |
| Capital expenditure | n/a | ¥3.65B | ¥5.42B | ¥4.55B | ¥2.60B |
| Total debt | ¥377B | ¥548B | ¥416B | ¥517B | ¥748B |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| Aichi Financial 7389.T | $2.40B | +3% | +31% | 8% | 0.81× | 6.5% |
| Bank of Nagoya 8522.T | $1.67B | -8% | +25% | 7% | 0.83× | 6.1% |
| Ogaki Kyoritsu Bank 8361.T | $1.75B | +45% | +39% | 6% | 0.66× | 6.1% |
| Juroku Financial Group,Inc 7380.T | $2.30B | 0% | +16% | 6% | 0.70× | 6.3% |
| San ju San Financial 7322.T | $1.08B | +1% | +23% | 5% | 0.72× | 6.9% |
| Shizuoka Financial 5831.T | $10.0B | +6% | +18% | 8% | 1.21× | 10.5% |
| Resona 8308.T | $30.8B | +9% | +17% | 9% | 1.57× | 8.7% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | 7389.T | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | -24.6% | +0.2% | 3rd lowest of 21 |
| 6-month return | +3.5% | +1.6% | 10th highest of 21 |
| Return on equity | 7.8% | 8.2% | 10th lowest of 21 |
| Price / book | 0.81× | 0.93× | 7th cheapest of 21 |
| Trailing P/E | 11.6× | 11.3× | 11th cheapest of 21 |
| ROE the price implies | 6.5% | 8.6% | 7th least demanding of 21 |
| ROE delivered | 7.8% | 8.2% | 10th lowest of 21 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Aichi Financial 7389.T | Japan | $2.40B | +3% | +31% | 8% | 0.81× | 6.5% | 7.8% |
| Tokyo Kiraboshi Financial 7173.T | Japan | $2.36B | -12% | +15% | 11% | 0.93× | 5.9% | 10.8% |
| Banco BBVA Argentina SA Sponsored ADR BBAR | United States | $2.45B | -29% | +6% | 8% | 0.77× | 8.1% | 8.0% |
| Bank of Xi'an 600928.SS | China | $2.51B | +2% | +1% | 8% | 0.45× | 2.6% | 7.8% |
| BSP Financial BFL.AX | Australia | $2.53B | -5% | +7% | 25% | 2.12× | 10.5% | 24.5% |
| OSB OSB.L | United Kingdom | $2.27B | +4% | -6% | 12% | 0.78× | 12.1% | 12.4% |
| First Merchants FRME | United States | $2.56B | +1% | +8% | 8% | 0.97× | 9.2% | 7.8% |
| Bladex BLX | United States | $2.19B | -7% | +4% | 14% | 1.05× | 9.3% | 14.5% |
| WaFd WAFD | United States | $2.18B | -17% | 0% | 8% | 0.81× | 8.1% | 8.5% |
| FB Financial FBK | United States | $2.66B | 0% | +27% | 12% | 1.39× | 12.3% | 11.9% |
| Awa Bank 8388.T | Japan | $2.15B | +94% | +23% | 5% | 0.80× | 5.3% | 4.7% |
| OFG Bancorp OFG | United States | $2.15B | +10% | +2% | 17% | 1.60× | 12.0% | 16.6% |
| NBT Bancorp NBTB | United States | $2.74B | +16% | +10% | 11% | 1.45× | 9.3% | 11.5% |
| Seven Bank 8410.T | Japan | $2.09B | +28% | +3% | 6% | 1.41× | 5.7% | 6.3% |
| Bandhan Bank BANDHANBNK.NS | India | $2.83B | -21% | +1% | 7% | 1.00× | 14.9% | 7.3% |
| Guangzhou Rural Commercial Bank 1551.HK | Hong Kong | $2.83B | -10% | -9% | 2% | 0.22× | 3.5% | 2.3% |
| City CHCO | United States | $1.99B | +15% | +3% | 16% | 2.55× | 13.9% | 16.4% |
| Central Bank of India CENTRALBK.NS | India | $2.93B | -18% | +8% | 12% | 0.67× | 10.9% | 12.0% |
| SpareBank 1 Nord-Norge NONG.OL | Norway | $1.96B | +26% | -4% | 8% | 0.93× | 6.6% | 7.7% |
| Hyakugo Bank 8368.T | Japan | $2.98B | +4% | +29% | 6% | 0.85× | 8.0% | 6.4% |
| Far Eastern International Bank 2845.TW | Taiwan | $1.88B | +4% | +5% | 7% | 0.87× | 3.2% | 7.4% |