Kyoto Financial Group,Inc.

(株)京都フィナンシャルグループ

5844.T

Banks - Regional

2026/01/16 Updated

Market Cap: $6.5B (¥1.0T)

Stock Price: $22.82 (¥3,616)

Exchange Rate: 1 USD = ¥158.48

Stock Price Chart

2026/01/16 Updated

24.45

PER (Price Earnings Ratio)

vs Industry Avg: +14.9

0.83

PBR (Price to Book Ratio)

vs Industry Avg: -0.5

2.24%

Dividend Yield

vs Industry Avg: -0.71%

Price Trend

2026/01/16 Updated

Short-term

5-Day MA

+1.94%

Near-term

25-Day MA

+4.52%

Mid-term

75-Day MA

+10.24%

Long-term

200-Day MA

+28.30%

Price & Trading Details

2026/01/16 Updated

PRICE

Previous Close ¥3,568

Open ¥3,575

High ¥3,620

Low ¥3,562

Close ¥3,616

TRADING

Volume 884,100

Average Volume 629,177

Turnover ¥32億

Min. Purchase ¥361,600

Analyst Recommendations 5 analysts

Updated 2026/01/11

Strong Buy

Buy

Hold

Sell

Strong Sell

Target Price (Mean)

¥3,040

None

¥3,700

High

¥3,000

Median

¥2,200

Low

-13% vs Current Price

This information is based on market data from third-party data providers and is for reference only. Investment decisions are your own responsibility.

Shareholder Composition

Updated 2026/01/11

10.3%

Insider Holdings

37.9%

Institutional

51.8%

Public Float

124

Institutional Holders

Insider Holdings 10.3%

Institutional 37.9%

Public Float 51.8%

Top Mutual Funds / ETFs

Updated 2026/01/11

Major Holders

Updated 2026/01/11

Fund Name	Ownership	Shares	Change
Vanguard International Stock Index-Total Intl Stock Indx	1.31%	3.9M	+0.09%
Vanguard Tax Managed Fund-Vanguard Developed Markets Index Fund	0.80%	2.4M	+0.96%
MFS International New Discovery Fund	0.55%	1.7M	-16.72%
Fidelity International Small Cap Fund	0.46%	1.4M	+3.57%
iShares Core MSCI EAFE ETF	0.45%	1.4M	+0.81%
Fidelity Strategic Advisers Fidelity International Fund	0.32%	960.2K	+2.13%

Institution	Ownership	Shares	Change
Cullen Capital Management, LLC	0.01%	8.1K	-27.03%

Dividend History

Updated 2026/01/11

Dividend Yield

¥65

Annual Dividend

0.0%

YoY Growth

52.0%

Payout Ratio

Year	Dividend	Change
2025	¥65	0.0%
2024	¥65	-18.8%
2023	¥80	-

Financial Performance

2026/01/11 Updated

Revenue & Profit

Margins

Cash Flow

Financial Health

	2022	2023	2024	2025
Income Statement
Revenue	¥118,371M	¥110,843M	¥113,034M	¥131,089M
Gross Profit	-	-	-	-
Operating Income	-	-	-	-
Pretax Income	-	-	-	-
Net Income	¥20,621M	¥27,213M	¥31,572M	¥36,552M
EPS	¥68.14	¥90.63	¥106.47	¥125.03
Operating Margin	0.00%	0.00%	0.00%	0.00%
Balance Sheet
Total Assets	¥12,210,967M	¥11,037,611M	¥11,576,552M	¥12,161,140M
Total Equity	¥1,087,808M	¥989,628M	¥1,141,081M	¥1,082,985M
Total Liabilities	¥11,123,159M	¥10,047,983M	¥10,435,471M	¥11,078,155M
Cash	¥2,703,179M	¥1,201,115M	¥962,778M	¥1,341,005M
Interest-bearing Debt	¥1,321,852M	¥258,264M	¥199,454M	¥505,350M
Equity Ratio	8.91%	8.97%	9.86%	8.91%
D/E Ratio	1.22	0.26	0.17	0.47
Cash Flow
Operating CF	¥39,795M	-¥1,414,129M	-¥36,759M	¥501,615M
Investing CF	¥66,740M	-¥65,062M	-¥175,561M	-¥84,877M
Financing CF	-¥7,424M	-¥14,404M	-¥25,446M	-¥24,020M
Free CF	¥34,854M	-¥1,416,834M	-¥42,269M	¥495,337M
Efficiency
ROE	1.90%	2.75%	2.77%	3.38%
ROA	0.17%	0.25%	0.27%	0.30%