Who are Seven Bank's main competitors?

Named competitors: Japan Post Bank (7182.T), E-net (Family Mart ATMs) (private or unlisted), Lawson Bank (private or unlisted). The cockpit's measured peer set (industry) also includes OFG Bancorp (OFG), Awa Bank (8388.T), WaFd (WAFD), Bladex (BLX), City (CHCO), SpareBank 1 Nord-Norge (NONG.OL).

Is Seven Bank expensive compared with its peers?

On price / book it trades at 1.41× against a peer median of 0.85×, 4th most expensive of 21 in its peer set. The share price implies a return on equity of about 5.7%; Seven Bank delivers 6.3%, so the price asks less than the business earns today.

How has Seven Bank stock performed?

Over six months to 6 Nov 2026 the shares returned +27.9% against +3.5% for the median peer; over one year +17.2%.

← CockpitCompetitor Analysis › 8410.T Seven Bank, Ltd.Open in the cockpit ↗

Seven Bank, Ltd.8410.TCompetitor analysis, valuation and peers

Japan · JPY·Financials›Major Banks

Bank operating Japan's largest ATM network, installed mainly inside Seven-Eleven convenience stores.

≈ An ATM-network bank, like a bank built around Allpoint/MoneyPassMomentum leader 84

Competitor Analysis ▸ Charts Open in the cockpit

Mkt cap

$2.09B

US dollars, full cap

Free float

44%

of shares outstanding

$/day

$10.7M

20-day average traded

P/B

1.41×

price to book

ROE

6.3%

delivered

Implied ROE

5.7%

what the price asks

Close · JPY¥338

1D-2.9%

1W+0.8%

1M-0.7%

3M+6.1%

6M+27.9%

YTD+10.8%

1Y+17.2%

ATR %2.2%

52w lowhigh4.0% off high

What Seven Bank does

Bank operating Japan's largest ATM network, installed mainly inside Seven-Eleven convenience stores.

Paid mainly by other banks, which pay a fee each time their customers use a Seven ATM, so income tracks the number of withdrawals across the network rather than loans. Seven & i Holdings, the convenience-store group, is its largest shareholder. It has been trying to widen beyond ATM fees.

In one line: An ATM-network bank, like a bank built around Allpoint/MoneyPass.

Products and services

ATM fee income
Retail deposits/loans
Cash management services

Customers

Convenience store customers/cardholders
Retail depositors

Where it sits in the supply chain

Financials
Transaction banking
Convenience-store ATM network, banking…

What could go right

Convenience store footfall
Growing cash withdrawal fee volume

What could go wrong

Cashless payment adoption reducing ATM use

Moat: wide (scale, installed base, distribution). Ubiquitous ATM placement inside Seven-Eleven stores gives unmatched convenience and transaction volume.

Headquarters: Tokyo, Japan · Founded: 2001 · Employees: 1,393

Named competitors

Japan Post Bank 7182.T
E-net (Family Mart ATMs) private or unlisted
Lawson Bank private or unlisted

Seven Bank at a glance

Size Seven Bank (8410.T) is a Japan Financials company (Major Banks) with a market value of $2.09B, the 466th largest of 1,379 Japan companies the cockpit tracks. Shares closed at ¥338 on 6 Nov 2026.

Performance Over six months the shares gained 27.9%, against +3.5% for the median peer and +1.8% for the Japan market (cap-weighted) — 2nd highest of 20 in its peer set.

Growth Revenue grew 3.4% over the last twelve months (peer median +6.8%); the operating margin is 16.9% (peer median 29.3%).

Valuation It trades at 1.41× book value against a peer median of 0.85× (4th most expensive of 21).

Price implies The share price implies a return on equity of about 5.7%; Seven Bank delivers 6.3%, so the price asks less than the business earns today.

Relative performance

Six months, rebased to 100: Seven Bank against the median of its 20 peers (local-currency closes).

Seven Bank financials

Reported figures in JPY; fiscal year ends 2026-03-31. TTM = trailing twelve months.
	TTM	FY2025	FY2024	FY2023	FY2022
Revenue	¥221B	¥218B	¥212B	¥195B	¥154B
Revenue growth	—	+3%	+9%	+26%	—
Net income	¥15.9B	¥13.5B	¥18.2B	¥32.0B	¥18.9B
Free cash flow	n/a	¥45.8B	¥74.1B	-¥29.8B	¥756M
Capital expenditure	n/a	¥26.3B	¥45.1B	¥39.3B	¥25.3B
Total debt	¥111B	¥118B	¥98.7B	¥194B	¥145B

Quarterly statements and history in the cockpit →

Seven Bank competitor charts

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.

Performance: 6-month against 1-month return

Up and to the right = strong over both horizons. Seven Bank is the large dot.

Fundamentals: return on equity against price-to-book

A bank or insurer earning more on its equity usually trades at a higher multiple of book; points far above the trend are priced for more. Seven Bank is the large dot.

Capital: ROE delivered against the ROE the price implies

Above the diagonal = the price asks for a higher return on equity than the business earns today. Seven Bank is the large dot.

Seven Bank competitors and peer comparison

Head to head with its named competitors (8410.T vs 7182.T)
Company	Market cap	6M return	Revenue growth	ROE	Price / book	Implied ROE
Seven Bank 8410.T	$2.09B	+28%	+3%	6%	1.41×	5.7%
Japan Post Bank 7182.T	$65.5B	+7%	+39%	7%	1.11×	8.3%

How Seven Bank compares with its peers

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.

Seven Bank against its 20 peers (data as of 6 Nov 2026)
Measure	8410.T	Peer median	Rank in peer set
1-month return	-0.7%	-1.0%	10th highest of 21
6-month return	+27.9%	+3.5%	2nd highest of 20
Return on equity	6.3%	7.9%	5th lowest of 21
Price / book	1.41×	0.85×	4th most expensive of 21
Trailing P/E	23.7×	10.4×	most expensive of 20
ROE the price implies	5.7%	7.8%	5th least demanding of 21
ROE delivered	6.3%	8.0%	5th lowest of 20

Peer table

Peer set: Industry: the same industry and sector in any market, nearest in size
Company	Market	Market cap	6M return	Revenue growth	ROE	Price / book	Implied ROE	Delivered ROE
Seven Bank 8410.T	Japan	$2.09B	+28%	+3%	6%	1.41×	5.7%	6.3%
OFG Bancorp OFG	United States	$2.15B	+10%	+2%	17%	1.60×	12.0%	16.6%
Awa Bank 8388.T	Japan	$2.15B	+94%	+23%	5%	0.80×	5.3%	4.7%
WaFd WAFD	United States	$2.18B	-17%	0%	8%	0.81×	8.1%	8.5%
Bladex BLX	United States	$2.19B	-7%	+4%	14%	1.05×	9.3%	14.5%
City CHCO	United States	$1.99B	+15%	+3%	16%	2.55×	13.9%	16.4%
SpareBank 1 Nord-Norge NONG.OL	Norway	$1.96B	+26%	-4%	8%	0.93×	6.6%	7.7%
OSB OSB.L	United Kingdom	$2.27B	+4%	-6%	12%	0.78×	12.1%	12.4%
Far Eastern International Bank 2845.TW	Taiwan	$1.88B	+4%	+5%	7%	0.87×	3.2%	7.4%
Tokyo Kiraboshi Financial 7173.T	Japan	$2.36B	-12%	+15%	11%	0.93×	5.9%	10.8%
Happen HAPN	United States	$1.84B	n/a	+26%	14%	1.16×	14.5%	13.8%
Aichi Financial 7389.T	Japan	$2.40B	+3%	+31%	8%	0.81×	6.5%	7.8%
Banco BBVA Argentina SA Sponsored ADR BBAR	United States	$2.45B	-29%	+6%	8%	0.77×	8.1%	8.0%
Hyakujushi Bank 8386.T	Japan	$1.78B	+4%	+22%	6%	0.72×	6.7%	5.6%
FirstSun Capital Bancorp FSUN	United States	$1.77B	+5%	+45%	4%	0.98×	6.3%	4.2%
iM Financial 139130.KS	South Korea	$1.76B	-20%	+24%	8%	0.46×	4.2%	n/a
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%
First Merchants FRME	United States	$2.56B	+1%	+8%	8%	0.97×	9.2%	7.8%
Inter & INTR	United States	$1.70B	-40%	+51%	16%	0.84×	8.8%	15.5%
Hope Bancorp HOPE	United States	$1.68B	+6%	+7%	6%	0.75×	7.6%	5.9%

Questions

Who are Seven Bank's main competitors?: Named competitors: Japan Post Bank (7182.T), E-net (Family Mart ATMs) (private or unlisted), Lawson Bank (private or unlisted). The cockpit's measured peer set (industry) also includes OFG Bancorp (OFG), Awa Bank (8388.T), WaFd (WAFD), Bladex (BLX), City (CHCO), SpareBank 1 Nord-Norge (NONG.OL).
Is Seven Bank expensive compared with its peers?: On price / book it trades at 1.41× against a peer median of 0.85×, 4th most expensive of 21 in its peer set. The share price implies a return on equity of about 5.7%; Seven Bank delivers 6.3%, so the price asks less than the business earns today.
How has Seven Bank stock performed?: Over six months to 6 Nov 2026 the shares returned +27.9% against +3.5% for the median peer; over one year +17.2%.