Komori
T

The San-in Godo Bank,Ltd.

8381BanksMid cap
2,262JPY-13.2%
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Price history
¥2,262Latest+301.1%
Drag across the chart to measure the move between two points.Delayed 15 minutes · monthly closing basis
Business overview

The Bank Group comprises the Bank and 17 affiliated companies and provides a range of financial services centered on banking, including leasing and credit card services. Its business segments comprise Banking, Leasing, and Other (credit card services, etc.), with a broad presence in the Japanese market through its network of branches, sub-branches, and head office. The Banking segment operates a network comprising the head office, 119 branches, 37 sub-branches, Direct Branch, DanDanBANK, and other locations. The Leasing segment is conducted primarily through the consolidated subsidiary ごうぎんリース株式会社. The Group's principal affiliated companies include consolidated subsidiaries engaged in real estate management, career design, distressed debt collection, credit guarantees, credit card services, and venture capital. Effective 7 April 2025, the trade names changed from 松江不動産株式会社 to ごうぎん不動産管理株式会社, from 山陰債権回収株式会社 to ごうぎん再生債権回収株式会社, and from 株式会社地域商社とっとり to 株式会社ごうぎん地域商社, respectively.

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Key numbersShowing 8 of 17
PER
56.04How many years of earnings it would take to buy the stock. The market average is generally considered to be around 15.
PBR
1.09How many times the company's net assets? Around 1x is generally considered a benchmark.
ROE
2.0%Earning power. A figure above 10% is generally considered good.
Dividend yield
0.0%The annual dividend as a percentage of the share price.
Market capitalization
¥355bnShare price × number of shares. The value of the entire company.
Equity ratio
3.6%The proportion of assets funded by money that does not have to be repaid.
Revenue growth (3 years)
21.0%The average annual growth in sales over the past three years.
Forward P/E
13.92Forward P/E based on estimated earnings for the next fiscal year.
What to watch next
Whether improvements in costs and fee income can be confirmed following the further rollout of DX initiatives, including enhancements to the app and corporate portal, more advanced omnichannel services, and the expansion of non-face-to-face channels
From the next earnings release and annual disclosure onwardImpact MediumLikelihood Medium
Whether the increased use of the online meeting system, including adoption and expansion after implementation, and the increase in consultations from corporate customers can be demonstrated in the figures
The coming quarters and fiscal yearsImpact MediumLikelihood Low
Whether the continued accumulation of PPA contracts and CO2 reduction contributions by ごうぎんエナジー, as well as its contribution to earnings, including its impact on profit and loss and cash flow, can be confirmed
From the next fiscal year onward, as contracts and results are updated in disclosuresImpact MediumLikelihood Medium
Execution of the share buyback (acquisition period: 2026/5/18 to 2026/8/31) and its impact on EPS and capital efficiency
During 2026Impact MediumLikelihood High
Ongoing operation of the cybersecurity framework, including CSIRT operations, and disclosure of whether any incidents have occurred
Ongoing, through regular risk disclosuresImpact HighLikelihood Low
What to watch next
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Who owns itTop holders total 52.0%
Listed holders 52.0%Everyone else 48.0%
The Master Trust Bank of Japan, Ltd. (Trust Account)32.14%
Custody Bank of Japan, Ltd. (Trust Account).5.99%
日本生命保険相互会社2.68%
山陰合同銀行従業員持株会2.31%
明治安田生命保険相互会社2.00%
Sumitomo Life Insurance Company1.97%
JP MORGAN CHASE BANK 3857811.39%
STATE STREET BANK AND TRUST COMPANY 5050011.29%
2 other listed holders2.20%
Who owns it
HolderOwnership (%)
The Master Trust Bank of Japan, Ltd. (Trust Account)32.14
Custody Bank of Japan, Ltd. (Trust Account).5.99
日本生命保険相互会社2.68
山陰合同銀行従業員持株会2.31
明治安田生命保険相互会社2.00
Sumitomo Life Insurance Company1.97
JP MORGAN CHASE BANK 3857811.39
STATE STREET BANK AND TRUST COMPANY 5050011.29
2 other listed holders2.20
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