Seven Bank, Ltd.
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from Seven Bank, Ltd.'s yearly results (2023–2026), compared with Financial Services companies in Japan. Tap ? on any ratio for what it means.
What stands out
- Tangible Net Worth Ratio: Of every ¥100 of net worth, ¥84 is tangible; the rest is goodwill and other intangibles, often from buying other companies. Less tangible than 89% of Financial Services companies in Japan.
- Growth Efficiency Ratio: Sales grew 45% in 3 years, but profit fell: ¥11 less profit per ¥100 of extra sales. Lower than 87% of Financial Services companies in Japan.
- Tangible Assets Ratio: Of every ¥100 the company owns, ¥97 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles. Less tangible than 86% of Financial Services companies in Japan.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
3/3 · 1/3Sales grew in 3 of the last 3 years; profit grew in 1 of 3.
Less steady than 72% of Financial Services companies in Japan.
Growth Efficiency Ratio
−¥11Sales grew 45% in 3 years, but profit fell: ¥11 less profit per ¥100 of extra sales.
Lower than 87% of Financial Services companies in Japan.
Asset Productivity Ratio
+45% / +18%In 3 years sales changed by +45% while total assets changed by +18%. Sales grew faster than assets.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
97%Of every ¥100 the company owns, ¥97 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
Less tangible than 86% of Financial Services companies in Japan.
Tangible Net Worth Ratio
84%Of every ¥100 of net worth, ¥84 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
Less tangible than 89% of Financial Services companies in Japan.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
Seven Bank, Ltd. owes ¥0.82 for every ¥1 it owns. Net profit fell 26% in the year to Mar 2026, and shrank 11% a year on average over 3 years.
Compared with Financial Services companies in Japan · latest annual results Mar 2026.
P/E ratio
24.2Investors pay ¥24.2 for every ¥1 of Seven Bank, Ltd.'s yearly profit, higher than 92% of Financial Services companies in Japan.
P/B ratio
1.38The share price is 1.38 times Seven Bank, Ltd.'s book value per share, higher than 71% of Financial Services companies in Japan.
Market cap
¥388.5 BThe total market value of all of Seven Bank, Ltd.'s shares at today's price (share price × number of shares), larger than 71% of Financial Services companies in Japan. PosiCap size class: Meso Cap.
Net worth (book value)
¥280.7 BWhat Seven Bank, Ltd. would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
¥240.33Net worth divided by the number of shares. The share price of ¥332.60 is 1.4 times this, which is the P/B above.
Return on equity (ROE)
6.2%Seven Bank, Ltd. earned 6.2% on its shareholders' money over the last year, lower than 66% of Financial Services companies in Japan.
Owes vs Owns
0.82×Seven Bank, Ltd. owes ¥0.82 for every ¥1 it owns (high), lower than 64% of Financial Services companies in Japan. Banks and lenders usually show higher figures.
Dividend yield
3.27%Seven Bank, Ltd. pays 3.27% of its share price as dividends a year, higher than 63% of dividend-paying Financial Services companies in Japan.
Revenue growth
+3%Revenue rose 3% in the year to Mar 2026, and grew 13% a year on average over 3 years.
Profit growth
-26%Net profit fell 26% in the year to Mar 2026, and shrank 11% a year on average over 3 years.
Profit margin
8.3%Seven Bank, Ltd. keeps ¥8 of every ¥100 of revenue as net profit.
Questions
What is Seven Bank, Ltd.'s P/E ratio?
Investors pay ¥24.2 for every ¥1 of Seven Bank, Ltd.'s yearly profit, higher than 92% of Financial Services companies in Japan.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For Seven Bank, Ltd.: ¥388.5 B ÷ ¥280.7 B (30 Jun 2026) = 1.4.
What is Seven Bank, Ltd.'s return on equity?
Seven Bank, Ltd. earned 6.2% on its shareholders' money over the last year, lower than 66% of Financial Services companies in Japan.
How much does Seven Bank, Ltd. owe compared with what it owns?
Seven Bank, Ltd. owes ¥0.82 for every ¥1 it owns (high), lower than 64% of Financial Services companies in Japan. Banks and lenders usually show higher figures.
Does Seven Bank, Ltd. pay a dividend?
Yes. Seven Bank, Ltd. pays 3.27% of its share price as dividends a year, higher than 63% of dividend-paying Financial Services companies in Japan.
Is Seven Bank, Ltd.'s revenue growing?
Revenue rose 3% in the year to Mar 2026, and grew 13% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.