Iyo Bank (8385.T) Stock Price
Iyo Bank Price
Revenue has compounded at 1.1% per year over the past 19 years to 130.40 B JPY. Earnings per share have grown at 17.1% per year over the last 19 years. Iyo Bank's net margin stands at 20.3%, broadly stable from 20.9% several years earlier.
Iyo Bank stock price
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Stock Price
ⓘHow to Read This Chart
This chart tracks the historical stock price of Iyo Bank over time. You can switch between daily, weekly, and monthly views and select custom time ranges — from a single day to the full available history. Use the toggle to view price changes in absolute currency terms or as a percentage change relative to the starting date.
Total Return vs. Price Return
The "Total Return" toggle includes reinvested dividends on top of the pure price movement. This is critical because dividends can account for a significant portion of long-term returns. Historically, roughly 40 % of the S&P 500's total return has come from dividends. Always compare total return when evaluating a stock's real performance against a benchmark.
Intraday Price Data
When viewing a one-day time frame, the chart displays real-time intraday price movements. This is useful for observing how Iyo Bank stock reacts to market openings, earnings releases, or breaking news throughout the trading session.
What to Look For
Look for long-term trends (sustained upward or downward movements over months and years), support and resistance levels (price zones where the stock repeatedly bounces or reverses), and volatility (how much the price fluctuates day to day). Comparing Iyo Bank's price chart to a market index like the S&P 500 can reveal whether the stock is outperforming or underperforming the broader market.
| Date | Iyo Bank Price |
|---|
Iyo Bank Revenue, Pre-Provision Profit, Net Income
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Iyo Bank Income Statement, Balance Sheet, Cash Flow Statement
| REVENUEB JPY |
|---|
| REVENUE GROWTH% |
| Net Interest IncomeB JPY |
| Non-Interest IncomeB JPY |
| Loan Loss ProvisionsB JPY |
| Pre-Provision Profit (PPOP)B JPY |
| NET INCOMEB JPY |
| NET INCOME GROWTH% |
| SHARESM |
| 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 118.98 | 124.40 | 135.19 | 119.02 | 117.01 | 124.56 | 116.79 | 124.86 | 121.81 | 118.45 | 116.48 | 120.41 | 125.75 | 125.79 | 124.24 | 133.42 |
| 9.32 | 4.55 | 8.68 | -11.96 | -1.69 | 6.45 | -6.24 | 6.91 | -2.44 | -2.76 | -1.67 | 3.38 | 4.44 | 0.03 | -1.24 | 7.39 |
| 73.13 | 76.00 | 75.39 | 74.81 | 77.36 | 78.22 | 78.22 | 80.47 | 80.47 | 74.08 | 67.42 | 69.80 | 66.54 | 66.38 | 71.62 | 72.68 |
| 34.16 | 30.14 | 42.94 | 33.05 | 31.03 | 38.09 | 30.94 | 38.11 | 35.16 | 38.16 | 41.34 | 43.10 | 47.63 | 46.19 | 48.24 | 57.72 |
| 16.68 | 8.89 | 21.77 | 14.71 | 9.88 | 9.30 | 7.52 | 3.62 | -2.11 | 1.48 | 0.83 | 3.50 | 5.89 | 6.51 | 12.31 | 3.75 |
| 45.43 | 39.44 | 40.92 | 37.58 | 36.14 | 44.59 | 39.14 | 47.88 | 44.01 | 41.77 | 33.95 | 39.29 | 34.02 | 34.90 | 38.11 | 41.53 |
| 16.63 | 18.41 | 11.48 | 13.27 | 15.08 | 18.41 | 18.38 | 26.13 | 27.00 | 24.45 | 21.80 | 23.64 | 18.53 | 18.92 | 18.09 | 26.42 |
| -14.49 | 10.69 | -37.65 | 15.64 | 13.59 | 22.13 | -0.20 | 42.20 | 3.31 | -9.44 | -10.85 | 8.45 | -21.63 | 2.13 | -4.41 | 46.05 |
| 323.00 | 321.00 | 319.00 | 319.00 | 319.00 | 319.00 | 318.00 | 316.00 | 317.00 | 317.00 | 317.00 | 317.00 | 317.00 | 317.00 | 317.00 | 317.04 |
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Income Statement Key Figures
ⓘRevenue and Revenue Growth
Revenue is the starting point of every income statement — it measures the total sales Iyo Bank generates from its core business. Revenue growth (expressed as year-over-year percentage change) is one of the most important indicators of business momentum. Sustained growth above 10 % annually is generally considered strong, while declining revenue is a serious warning sign that demands investigation.
Gross Margin
Gross margin = (Revenue − Cost of Goods Sold) ÷ Revenue. It reveals what percentage of each dollar of revenue Iyo Bank retains after direct production costs. High gross margins (above 50 %) are typical of asset-light businesses like software and brands, while capital-intensive industries like manufacturing often operate below 30 %. Compare Iyo Bank's gross margin to industry peers and track it over time to spot improving or deteriorating pricing power.
EBIT and EBIT Margin
EBIT measures operating profit — what remains after subtracting all operating expenses (including R&D, sales, and administrative costs) from gross profit. The EBIT margin shows this as a percentage of revenue. Because it excludes interest and taxes, EBIT allows fair comparisons between companies with different debt levels and tax jurisdictions. A rising EBIT margin indicates improving operational efficiency.
Net Income and Earnings Per Share (EPS)
Net income is the company's final profit after all expenses, interest, and taxes. Dividing net income by the number of shares outstanding gives you EPS — the single most influential metric in stock valuation. Consistent EPS growth is the primary driver of long-term stock price appreciation. Always check whether EPS growth comes from genuine profit improvement or from share buybacks reducing the share count.
Shares Outstanding
The total number of shares Iyo Bank has issued. A declining share count (through buybacks) boosts EPS and signals management confidence. A rising share count (through stock issuance) dilutes existing shareholders. Always monitor this number alongside EPS to get the full picture of per-share value creation.
Analyst Estimates
The projected figures represent consensus estimates from professional analysts. Compare these forecasts against Iyo Bank's historical growth rates to assess whether expectations are realistic. A company that consistently beats consensus estimates tends to see its stock price rewarded over time, while repeated misses erode investor confidence.
Iyo Bank stock margins
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Iyo Bank Revenue per Share, Earnings per Share
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Iyo Bank business model & stock analysis
Iyo Bank SWOT Analysis
Strengths
1. Established Market Presence
Iyo Bank Ltd has a long-standing history and strong reputation in the banking industry. It has built a significant market presence, attracting a large customer base over the years.
2. Diverse Product Portfolio
The bank offers a wide range of financial products and services, including savings accounts, loans, credit cards, investment options, and insurance. This variety allows Iyo Bank to cater to the diverse needs of its customers.
3. Technological Advancements
Iyo Bank has heavily invested in advanced banking technologies, providing convenient and efficient banking solutions to customers. Online banking platforms, mobile apps, and digital payment systems enhance customer experiences and streamline operations.
Weaknesses
1. Limited International Presence
Iyo Bank's market presence is primarily concentrated within domestic territories, limiting its exposure to global markets. This could affect its potential for growth and diversification.
2. Dependence on Traditional Banking
The bank relies heavily on traditional brick-and-mortar branches for customer service and transactions. This dependence might hinder its ability to adapt swiftly to evolving customer preferences for digital banking.
3. Vulnerability to Economic Fluctuations
As a bank, Iyo Bank is susceptible to economic downturns and fluctuations. Changes in interest rates, inflation, or overall market conditions can impact its profitability and loan portfolio quality.
Opportunities
1. Expansion into New Markets
Iyo Bank can explore opportunities to expand its operations beyond domestic boundaries, tapping into emerging markets or regions with a favorable regulatory environment. This expansion can help diversify revenue streams and reduce dependency on domestic market conditions.
2. Collaboration and Partnerships
Forming strategic alliances or partnerships with fintech companies, technology firms, or other financial institutions can enable Iyo Bank to leverage innovative solutions, enhance its digital capabilities, and improve customer experiences.
3. Growing Demand for Sustainable Finance
With increasing global awareness about environmental and social issues, Iyo Bank can capitalize on the growing demand for sustainable finance solutions. Offering green loans, renewable energy financing, or socially responsible investment options can attract a new segment of environmentally conscious customers.
Threats
1. Intense Competition
Iyo Bank operates in a highly competitive market, facing competition from both traditional banks and innovative fintech startups. Intense competition can put pressure on profitability and customer retention.
2. Regulatory Changes
Changes in banking regulations, compliance requirements, or government policies can impact Iyo Bank's operations and profitability. Adapting to regulatory changes can be resource-intensive and challenging.
3. Cybersecurity Risks
As the banking industry increasingly relies on technology, the risk of cyberattacks and data breaches becomes a major threat. Iyo Bank must continually invest in robust security measures to safeguard sensitive customer information and maintain trust.
Iyo Bank Eulerpool Fair Value
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Fair Value Estimate
ⓘWhat Is Fair Value?
Fair value is an estimate of what a stock is truly "worth" based on its financial fundamentals, independent of the current market price. If the calculated fair value is above the current share price, the stock may be undervalued — and vice versa. This chart shows three different fair value approaches so you can cross-check them against each other.
Earnings-Based Fair Value
Calculated by multiplying the current earnings per share (EPS) by the average historical P/E ratio over a selected multi-year period. The smoothing over several years filters out temporary spikes or dips. If this fair value exceeds the market price, it suggests the stock is cheap relative to its earning power.
Example: Fair Value (Earnings) 2022 = EPS 2022 × Average P/E 2019–2021
Revenue-Based Fair Value
Derived by multiplying revenue per share by the average historical price-to-sales ratio. This method is particularly useful for companies with volatile or temporarily depressed earnings, as revenue tends to be more stable than profits. It answers: "At what price has the market historically valued each dollar of this company's sales?"
Example: Fair Value (Revenue) 2022 = Revenue per Share 2022 × Average P/S 2019–2021
Dividend-Based Fair Value
Calculated by dividing the dividend per share by the average historical dividend yield. This approach is most relevant for mature, consistently dividend-paying companies. If the resulting fair value is higher than the current price, it implies the stock offers a better yield than its historical average.
Example: Fair Value (Dividend) 2022 = Dividend per Share 2022 ÷ Average Yield 2019–2021
How to Use This Chart
When all three fair value lines converge above the current price, it strengthens the case that the stock is undervalued. When they diverge, investigate why — it may indicate a structural shift in margins, payout policy, or growth rate. The forward estimates on the right extend the analysis using projected fundamentals, helping you assess whether the current price already reflects future growth expectations.
Iyo Bank historical P/E ratio, EBIT multiple, and P/S ratio
Iyo Bank annual returns
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Annual Return
ⓘWhat This Chart Shows
This chart breaks down 's total annual return into two components: price return (gains or losses from stock price movement) and dividend return (income received from dividend payments). Together, they represent the total return an investor would have earned in each calendar year.
Price Return
Price return measures the percentage change in 's stock price from January 1st to December 31st of each year. Positive bars indicate the stock appreciated; negative bars show a decline. This is the component most investors focus on, but it tells only part of the story — especially for dividend-paying stocks.
Dividend Return
Dividend return represents the income generated from dividends paid during the year, expressed as a percentage of the starting stock price. While it may seem small in any single year (typically 1–4 % for established companies), dividends compound significantly over decades and have historically contributed roughly 40 % of total stock market returns.
What to Look For
Examine how many years showed positive vs. negative returns to gauge consistency. A stock with mostly positive years and small drawdowns suggests lower risk. Also compare 's annual returns to a benchmark index — consistently outperforming the market is a hallmark of a strong investment. Pay attention to the worst years: understanding downside risk is just as important as chasing upside potential.
Iyo Bank shares outstanding
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Iyo Bank stock splits
Iyo Bank shareholder structure
| % | Name |
|---|---|
2.41037% | |
2.36799% | |
1.48560% | |
1.10999% | |
1.09057% | |
0.96118% |
Iyo Bank Executives and Management Board
33 members · avg. age 65 · 6 % women
Management
Mr. Kenji Miyoshi (61)
President, Group Chief Executive Officer, Representative Director
Mr. Masamichi Ito (59)
Managing Director, Group Chief Credit Officer, Director of Ship Finance · since 2017
Mr. Kenji Takata (65)
Vice President, Group Chief Operating Officer, Representative Director · since 2010
Mr. Keijiro Joko
Managing Executive Officer, Group Chief Information Officer, Senior Director of Clerical Work · since 2020
Mr. Kensei Yamamoto (58)
Managing Director, Group Chief Risk Officer
Mr. Hirohisa Senba (55)
Managing Director, Group Chief Business Officer, Chief Director of Sales, Director of Direct Sales
Board of Directors
Mr. Iwao Otsuka (69)
Chairman of the Board · since 2007
Mr. Tetsuo Takeuchi (64)
Director · since 2011
Mr. Keiji Joko (71)
Independent Director
Ms. Junko Miyoshi (73)
Independent Director
Ms. Yoriko Noma (62)
Independent Director
Mr. Yuichi Ohashi (71)
Independent Director
Frequently asked questions about Iyo Bank
Iyo Bank Ltd is primarily active in the financial services industry.
The main competitors of Iyo Bank Ltd in the market include Mizuho Financial Group, Sumitomo Mitsui Financial Group, and Mitsubishi UFJ Financial Group.
The business model of Iyo Bank Ltd revolves around providing financial services and solutions to individuals, businesses, and institutions. As a leading Japanese bank, Iyo Bank offers a wide range of banking services including deposits, loans, investment products, and wealth management. The bank also focuses on developing strong relationships with customers by understanding their unique needs and offering personalized financial advice. With a customer-centric approach, Iyo Bank aims to foster long-term partnerships and contribute to the growth and prosperity of individuals and businesses in Japan.
Iyo Bank Ltd, established in 1941, is a Japanese financial institution based in Takamatsu City, Kagawa Prefecture. With a rich history spanning over 80 years, the bank has contributed significantly to the economic development and financial stability of the region. Iyo Bank offers a wide range of banking services, including personal and corporate banking, loans, investment products, and asset management solutions. Over the years, the bank has gained a reputation for its commitment to customer satisfaction, innovative financial solutions, and strong community involvement. Iyo Bank Ltd continues to thrive as a trusted financial partner, fostering the growth and prosperity of its customers and contributing to the overall progress of the Japanese economy.
Over the years, Iyo Bank Ltd has achieved several significant milestones. These include the expansion of their branch network which now covers multiple regions, providing convenient access to their services. Additionally, the company has successfully implemented innovative digital platforms, enhancing customer experience and improving efficiency. Iyo Bank Ltd has also demonstrated strong financial performance, with consistent growth in profitability and assets under management. Their commitment to customer satisfaction and diversified range of products and services has contributed to their strong market presence. Overall, Iyo Bank Ltd has consistently strived for excellence, continuously adapting to the evolving needs of the financial industry.
Iyo Bank Ltd is primarily present in Japan.
Iyo Bank Ltd represents values of trust, integrity, and customer-centricity. Its corporate philosophy is centered around providing reliable financial services, fostering strong relationships with customers, and contributing to the local community. The company strives to be a trusted partner for individuals and businesses, offering a wide range of banking products and services. With a focus on customer satisfaction and long-term growth, Iyo Bank Ltd aims to deliver innovative solutions and maintain high ethical standards in all of its operations.
7 analysts currently rate the Iyo Bank stock: 0 recommend buying, 3 holding and 4 selling.
Converted at the current exchange rate, the Iyo Bank share trades at 3.89 EUR (716.00 JPY).
The Iyo Bank share (8385.T) is listed on 3 stock exchanges, including: Frankfurt (5EH.F), Düsseldorf (5EH.DU).
Iyo Bank Ltd is a Japanese financial institution that was founded in 2006. The company is headquartered in Tokyo and operates over 130 branches throughout the country. It is a subsidiary of SBI Holdings Inc., a Japanese financial services conglomerate. The business model of Iyo Bank Ltd includes various business areas that enable the company to offer a wide range of financial services and products. These include retail banking, asset management, investment banking, and insurance. Retail Banking: Iyo Bank Ltd is primarily known for its retail banking services. The company offers a variety of banking services to individuals and businesses, including checking accounts, savings accounts, credit cards, mortgage loans, and consumer loans. Customers can also make online payments and access the Iyo Bank app. Asset Management: Iyo Bank Ltd also has an asset management division that provides services to high net worth individuals and institutional clients such as corporations, pension funds, and governments. The company offers a wide range of investment funds, bonds, stocks, and structured products to diversify clients' portfolios and maximize their returns. Investment Banking: As an investment bank, Iyo Bank Ltd offers services such as capital raising, mergers and acquisitions, initial public offerings, and corporate financing. The company has an extensive network of clients that enables it to facilitate large transactions and deals. It also operates in the corporate sector by assisting companies with industry and market evaluations, strategy and business planning, restructuring, and asset management. Insurance: Iyo Bank Ltd also offers a wide range of insurance products, including life insurance, accident and health insurance, pension insurance, car insurance, and fire insurance. The company has partnerships with various insurance companies to provide its customers with a diverse range of products. Conclusion: Overall, Iyo Bank Ltd offers a wide range of financial services and products. The company's various business areas allow it to serve a broad range of customers and generate income from various sources. Its strong relationships with other businesses enable it to offer customized services to its customers. Iyo Bank has an impressive track record, and it is no wonder that it aims to improve its customers' capital management and investment efficiency. Answer: Iyo Bank Ltd is a Japanese financial institution that offers retail banking, asset management, investment banking, and insurance services. It was founded in 2006 and is a subsidiary of SBI Holdings Inc. The company operates over 130 branches throughout Japan and is known for its wide range of financial products and services.
The revenue cannot currently be calculated for Iyo Bank.
The profit cannot currently be calculated for Iyo Bank.
The P/E ratio cannot be calculated for Iyo Bank at the moment.
The P/S cannot be calculated for Iyo Bank currently.
The Eulerpool Quality Score for Iyo Bank is 1/10.
The ISIN of Iyo Bank is JP3149600003. The ISIN (International Securities Identification Number) is a globally unique identifier for securities.
The ticker of Iyo Bank is 8385.T. The ticker symbol is used to trade Iyo Bank shares on the stock exchange.
Iyo Bank paid dividends every year for the past 0 years.
Iyo Bank is assigned to the 'Finance' sector.
The dividends of Iyo Bank are distributed in JPY.
Iyo Bank stock
Iyo Bank Peer Group
Iyo Bank Ticker
Iyo Bank FIGI
All fundamentals and in-depth analysis of Iyo Bank
Our stock analysis for Iyo Bank stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of Iyo Bank. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.