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Japanese bank offering retail and corporate banking, now controlled by SBI Group after a restructuring.
Japanese bank offering retail and corporate banking, now controlled by SBI Group after a restructuring.
Earns interest on loans to Japanese companies and consumers, the latter through its consumer-finance arm, and fees from structured-finance deals. Since SBI Group took control in 2021, it has been reworking its customer base around the group's online banking, securities and fintech services.
In one line: A restructured Japanese bank under new ownership.
Moat: narrow (regulatory licence, brand). Established bank licence and SBI Group backing support ongoing turnaround and distribution.
Headquarters: Tokyo, Japan · Founded: 1952 · Employees: 5,828
Size SBI Shinsei Bank (8303.T) is a Japan Financials company (Regional Banks) with a market value of $9.20B, the 149th largest of 1,379 Japan companies the cockpit tracks. Shares closed at ¥1,636 on 6 Nov 2026.
Performance Over six months the shares fell 10.8%, against +4.4% for the median peer and +1.8% for the Japan market (cap-weighted) — 4th lowest of 21 in its peer set.
Growth Revenue grew 27.2% over the last twelve months (peer median +8.9%); the operating margin is 26.1% (peer median 40.8%).
Valuation It trades at 1.15× book value against a peer median of 1.31× (6th cheapest of 21).
Price implies The share price implies a return on equity of about 4.7%; SBI Shinsei Bank delivers 9.9%, so the price asks less than the business earns today.
Next results Next results expected around 3 Feb 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | ¥801B | ¥747B | ¥589B | ¥520B | ¥407B |
| Revenue growth | — | +27% | +13% | +28% | — |
| Net income | ¥113B | ¥113B | ¥84.5B | ¥57.9B | ¥42.8B |
| Free cash flow | n/a | -¥441B | -¥5.87B | -¥164B | -¥13.5B |
| Capital expenditure | n/a | ¥19.5B | ¥15.6B | ¥14.3B | ¥11.9B |
| Total debt | ¥4.82T | ¥4.24T | ¥2.65T | ¥2.07T | ¥1.24T |
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 |
|---|---|---|---|---|---|---|
| SBI Shinsei Bank 8303.T | $9.20B | -11% | +27% | 10% | 1.15× | 4.7% |
| Aozora Bank 8304.T | $2.60B | +17% | +12% | 6% | 0.82× | 5.4% |
| Resona 8308.T | $30.8B | +9% | +17% | 9% | 1.57× | 8.7% |
| Rakuten Bank 5838.T | $6.36B | -9% | +38% | 22% | 2.55× | 8.1% |
| AEON Financial Service 8570.T | $1.95B | -9% | +8% | 5% | 0.67× | 5.2% |
| Credit Saison 8253.T | $3.62B | -10% | +10% | 9% | 0.73× | 6.3% |
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 | 8303.T | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | +7.0% | +1.3% | 3rd highest of 21 |
| 6-month return | -10.8% | +4.4% | 4th lowest of 21 |
| Return on equity | 9.9% | 9.1% | 9th highest of 21 |
| Price / book | 1.15× | 1.31× | 6th cheapest of 21 |
| Trailing P/E | 12.7× | 14.5× | 7th cheapest of 19 |
| ROE the price implies | 4.7% | 9.3% | 4th least demanding of 20 |
| ROE delivered | 9.9% | 9.3% | 9th highest of 19 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| SBI Shinsei Bank 8303.T | Japan | $9.20B | -11% | +27% | 10% | 1.15× | 4.7% | 9.9% |
| Central Bancompany CBC | United States | $9.04B | +38% | +10% | 13% | 2.35× | 10.9% | 12.6% |
| Cullen/Frost Bankers CFR | United States | $9.65B | +12% | +2% | 16% | 2.52× | 14.2% | 16.2% |
| Columbia Banking System COLB | United States | $8.62B | +1% | +22% | 11% | 1.19× | 9.3% | 11.2% |
| Popular BPOP | United States | $9.83B | +5% | +4% | 17% | 1.58× | 11.1% | 16.6% |
| Prosperity Bancshares, Inc.(R) PB | United States | $8.60B | +4% | +19% | 6% | 0.88× | 7.5% | 6.5% |
| Shizuoka Financial 5831.T | Japan | $10.0B | +6% | +18% | 8% | 1.21× | 10.5% | 8.2% |
| Chang Hwa Commercial Bank 2801.TW | Taiwan | $10.2B | +34% | +3% | 9% | 1.46× | 4.7% | 9.2% |
| Wintrust Financial WTFC | United States | $10.2B | 0% | +6% | 13% | 1.49× | 12.2% | 12.9% |
| Chiba Bank 8331.T | Japan | $10.3B | +9% | +31% | 8% | 1.28× | 6.9% | 8.3% |
| Western Alliance Bancorp WAL | United States | $8.13B | -8% | +8% | 13% | 1.11× | 12.9% | 13.2% |
| Luzerner Kantonalbank LUKN.SW | Switzerland | $7.86B | +28% | -3% | 9% | 1.76× | n/a | 8.9% |
| Commerce Bancshares CBSH | United States | $7.82B | +6% | +9% | 15% | 1.87× | 12.1% | 14.9% |
| First Horizon FHN | United States | $10.9B | -6% | -8% | 8% | 1.34× | 9.7% | 8.0% |
| Yokohama Financial 7186.T | Japan | $11.1B | +7% | +21% | 8% | 1.21× | 8.1% | 8.0% |
| Shanghai Commercial & Savings Bank 5876.TW | Taiwan | $7.56B | +34% | -17% | 9% | 1.17× | 4.0% | 8.6% |
| IBK 024110.KS | South Korea | $11.4B | -14% | +28% | 8% | 0.49× | 4.2% | n/a |
| AU Small Finance Bank AUBANK.NS | India | $7.39B | -10% | +17% | 16% | 3.21× | 44.0% | 15.7% |
| Chongqing Rural Commercial Bank 3618.HK | Hong Kong | $11.5B | -4% | +4% | 9% | 0.44× | 4.1% | 9.5% |
| KakaoBank 323410.KS | South Korea | $7.28B | -15% | +6% | 7% | 1.46× | 8.5% | n/a |
| Kyoto Financial Group,Inc 5844.T | Japan | $7.14B | -11% | +19% | 8% | 0.79× | 5.9% | 7.9% |