Yokohama Financial Group Inc.
CRDIY | OTC
$29.77
$0.00 (0.00%)
Nov 2, 2026, 9:47 AM ET · Market open
Market Data
Market Cap $10.99B
Enterprise Value $826.45B
Beta 0.23
Average Volume 2.97K
Shares Outstanding (Diluted) 1.11B
Shares Change YoY -2.63%
Institutional Ownership N/A
Exchange OTC
ISIN US2065171041
Price Performance
Price Change 1M -17.9%
Price Change 3M -15.6%
Price Change 6M 4.5%
Price Change YTD 19.6%
Price Change 1Y 30.8%
Price Change 3Y 113.1%
Price Change 5Y 160.4%
1M CAGR (ann.) -14.4%
1Y CAGR (ann.) 39.0%
5Y CAGR (ann.) 27.4%
All-Time CAGR 19.9%
Valuation
PE Ratio 46.31
Forward PE 12.29
PEG Ratio 0.55
Forward PEG 0.42
PS Ratio 3.54
Forward PS 5.10
PB Ratio 1.28
P/FCF Ratio 9.88
P/Adj. FCF Ratio 9.88
P/OCF Ratio 26.56
EV/Sales 1.66
EV/EBIT 5.14
EV/EBITDA 5.14
EV/FCF 4.64
Earnings Yield 2.1%
FCF Yield 9.9%
Adj. FCF Yield 9.9%
Financial Health
Net Cash ¥1.03T
Total Debt ¥2.57T
Cash & Short-Term Investments ¥3.6T
Total Assets ¥25.08T
Current Ratio 7.24
Quick Ratio 7.24
Debt / Equity Ratio 1.76
Debt / EBITDA 15.96
Debt / FCF 14.40
OCF / Debt 0.07
Interest Coverage 1.58
Altman Z-Score 0.29
Piotroski F-Score 7
Margins & Profitability
Gross Profit Margin 78.8%
Operating Profit Margin 32.4%
EBITDA Margin 32.4%
Net Profit Margin 22.4%
FCF Margin 35.9%
Adj. FCF Margin 35.9%
SBC / Revenue 0.0%
SBC Impact (per share) N/A
Returns
Return on Assets 0.4%
Return on Equity 7.9%
Return on Invested Capital 0.5%
Return on Capital Employed 0.7%
Return on Tangible Assets 0.5%
Historical Growth (CAGR)
Revenue CAGR 3Y 13.7%
Revenue CAGR 5Y 12.1%
Revenue CAGR 10Y 20.1%
EPS CAGR 3Y 25.5%
EPS CAGR 5Y 28.1%
EPS CAGR 10Y 5.4%
FCF CAGR 3Y 150.0%
FCF CAGR 5Y 100.0%
FCF CAGR 10Y 54.5%
Analyst Forecasts
Analyst Rating Hold
Analyst Count 0
EPS Growth Next 3Y N/A
Revenue Growth Next 3Y N/A
Earnings Date May 12, 2026
EPS Estimate (next Q) N/A
EPS Growth Est (next Q) N/A
Revenue Est (next Q) $3M
Revenue Growth Est (next Q) -21.1%
Fair Value Estimates
Graham Number $10.57
Graham Upside -64.5%
Lynch Fair Value $16.07
Lynch Upside -46.0%
Price Target $0.00
Price Target Upside N/A
Cash Flow
Operating Cash Flow ¥192.17B
Free Cash Flow ¥178.29B
Adj. Free Cash Flow ¥178.29B
FCF Per Share $160.39
OCF Per Share $172.88
OCF/S Ratio 38.7%
Income Statement
Revenue ¥497.13B
Gross Profit ¥391.87B
Operating Income ¥160.91B
EBITDA ¥160.91B
Net Income ¥111.52B
EPS (Diluted) $99.14
Revenue / Employee $78.75M
Profit / Employee $17.66M
Employees 6,313
Dividends
Annual Dividend $0.85
Dividend Yield 2.86%
Payout Ratio 0.9%
FCF Payout Ratio 21.1%
Adj. FCF Payout Ratio 21.1%
Dividend Growth (YoY) 29.3%
Pay Frequency Semi-Annual
Ex-Dividend Date Sep 30, 2026
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