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Yokohama Financial Group, Inc. CRDIY

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32.07 USD +0.75 (+2.38%)

At closeNov 4, 2026, 4:00 PM EST

32.00 Day range 32.03
21.34 52-week range 39.91
YTD
+28.85%
1 year
+40.84%

Financial health

Altman Z-Score

0.29 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

4 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

C+2 / 5 overall

  • DCF 3
  • Return on Equity 2
  • Return on Assets 1
  • Debt / Equity 2
  • P/E 2
  • P/B 2

Valuation

P/E 14.2×
FY 2017: 4.1×FY 2018: 7.3×FY 2019: 8.9×FY 2020: 10.5×FY 2021: 18.6×FY 2022: 8.2×FY 2023: 12.0×FY 2024: 12.2×FY 2025: 13.0×FY 2026: 14.2×
FY 2017 5y median 12.2× FY 2026
P/S 3.2×
FY 2017: 1.6×FY 2018: 1.5×FY 2019: 1.7×FY 2020: 1.7×FY 2021: 1.7×FY 2022: 1.6×FY 2023: 2.3×FY 2024: 2.4×FY 2025: 2.8×FY 2026: 3.2×
FY 2017 5y median 2.4× FY 2026
P/B 1.1×
FY 2017: 0.4×FY 2018: 0.4×FY 2019: 0.4×FY 2020: 0.4×FY 2021: 0.4×FY 2022: 0.4×FY 2023: 0.6×FY 2024: 0.6×FY 2025: 0.8×FY 2026: 1.1×
FY 2017 5y median 0.6× FY 2026
P/FCF 8.5×
FY 2017: 0.5×FY 2018: -0.7×FY 2019: 2.1×FY 2020: -1.6×FY 2021: 0.2×FY 2022: 0.4×FY 2023: 0.7×FY 2024: -0.3×FY 2025: 31.8×FY 2026: 8.5×
FY 2017 5y median 0.7× FY 2026
EV/EBITDA -0.1×
FY 2017: -4.6×FY 2018: -10.1×FY 2019: -15.8×FY 2020: -16.1×FY 2021: -39.8×FY 2022: -21.8×FY 2023: -15.8×FY 2024: -7.7×FY 2025: -8.6×FY 2026: -0.1×
FY 2017 5y median -8.6× FY 2026
EV/Sales -0.0×
FY 2017: -2.5×FY 2018: -3.5×FY 2019: -5.0×FY 2020: -4.6×FY 2021: -7.2×FY 2022: -7.5×FY 2023: -5.0×FY 2024: -2.4×FY 2025: -3.0×FY 2026: -0.0×
FY 2017 5y median -3.0× FY 2026
FCF Yield 11.8%
FY 2017: 205.9%FY 2018: -135.8%FY 2019: 47.3%FY 2020: -63.9%FY 2021: 430.8%FY 2022: 279.5%FY 2023: 141.4%FY 2024: -285.8%FY 2025: 3.1%FY 2026: 11.8%
FY 2017 5y median 11.8% FY 2026

Profitability

Gross Margin 79.4%
FY 2017: 96.5%FY 2018: 96.0%FY 2019: 93.5%FY 2020: 94.1%FY 2021: 97.8%FY 2022: 98.0%FY 2023: 90.1%FY 2024: 84.1%FY 2025: 82.6%FY 2026: 79.4%
FY 2017 5y median 84.1% FY 2026
Operating Margin 32.1%
FY 2017: 50.6%FY 2018: 31.2%FY 2019: 27.4%FY 2020: 23.7%FY 2021: 13.2%FY 2022: 29.1%FY 2023: 27.2%FY 2024: 26.8%FY 2025: 31.2%FY 2026: 32.1%
FY 2017 5y median 29.1% FY 2026
Net Margin 22.2%
FY 2017: 41.0%FY 2018: 21.3%FY 2019: 18.8%FY 2020: 16.1%FY 2021: 9.2%FY 2022: 19.9%FY 2023: 19.0%FY 2024: 19.6%FY 2025: 21.8%FY 2026: 22.2%
FY 2017 5y median 19.9% FY 2026
ROE 8.0%
FY 2017: 11.4%FY 2018: 5.8%FY 2019: 4.7%FY 2020: 4.2%FY 2021: 2.2%FY 2022: 4.7%FY 2023: 4.9%FY 2024: 5.2%FY 2025: 6.4%FY 2026: 8.0%
FY 2017 5y median 5.2% FY 2026
ROIC 0.4%
FY 2017: 3.6%FY 2018: 2.2%FY 2019: 2.0%FY 2020: 1.7%FY 2021: 0.8%FY 2022: 1.2%FY 2023: 0.9%FY 2024: 0.8%FY 2025: 1.0%FY 2026: 0.4%
FY 2017 5y median 0.9% FY 2026
ROA 0.4%
FY 2017: 0.7%FY 2018: 0.4%FY 2019: 0.3%FY 2020: 0.2%FY 2021: 0.1%FY 2022: 0.2%FY 2023: 0.2%FY 2024: 0.3%FY 2025: 0.3%FY 2026: 0.4%
FY 2017 5y median 0.3% FY 2026

Growth (YoY)

Revenue 33.5%
FY 2017: -2.1%FY 2018: 0.8%FY 2019: -7.2%FY 2020: 0.1%FY 2021: -5.0%FY 2022: -1.7%FY 2023: 9.5%FY 2024: 15.1%FY 2025: 11.7%FY 2026: 33.5%
FY 2017 FY 2026
Operating Income 37.1%
FY 2017: 9489.6%FY 2018: -37.8%FY 2019: -18.5%FY 2020: -13.5%FY 2021: -47.1%FY 2022: 116.4%FY 2023: 2.5%FY 2024: 13.5%FY 2025: 30.1%FY 2026: 37.1%
FY 2017 FY 2026
EPS (diluted) 39.0%
FY 2017: 61.3%FY 2018: -46.6%FY 2019: -14.0%FY 2020: -14.8%FY 2021: -45.3%FY 2022: 112.8%FY 2023: 6.1%FY 2024: 20.6%FY 2025: 25.3%FY 2026: 39.0%
FY 2017 FY 2026
Free Cash Flow 460.6%
FY 2017: 3332.8%FY 2018: -162.9%FY 2019: 136.5%FY 2020: -237.1%FY 2021: 748.9%FY 2022: -39.2%FY 2023: -22.5%FY 2024: -344.9%FY 2025: 101.4%FY 2026: 460.6%
FY 2017 FY 2026

Financial Health

Current Ratio 7.9×
FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 630×FY 2021: 0.2×FY 2022: 0.3×FY 2023: 0.3×FY 2024: 0.2×FY 2025: 0.2×FY 2026: 7.9×
FY 2017 5y median 0.3× FY 2026
Quick Ratio 7.9×
FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 630×FY 2021: 0.2×FY 2022: 0.3×FY 2023: 0.3×FY 2024: 0.2×FY 2025: 0.2×FY 2026: 7.9×
FY 2017 5y median 0.3× FY 2026
Debt / Equity 1.8×
FY 2017: 1.8×FY 2018: 1.2×FY 2019: 0.9×FY 2020: 0.8×FY 2021: 1.5×FY 2022: 2.7×FY 2023: 3.7×FY 2024: 2.0×FY 2025: 1.7×FY 2026: 1.8×
FY 2017 5y median 2.0× FY 2026
Net Debt / EBITDA -9.1×
FY 2017: -7.5×FY 2018: -14.3×FY 2019: -21.1×FY 2020: -22.1×FY 2021: -49.2×FY 2022: -26.6×FY 2023: -23.0×FY 2024: -15.5×FY 2025: -16.7×FY 2026: -9.1×
FY 2017 5y median -16.7× FY 2026
Interest Coverage 1.6×
FY 2017: 14.3×FY 2018: 7.9×FY 2019: 4.2×FY 2020: 4.0×FY 2021: 5.9×FY 2022: 14.5×FY 2023: 2.8×FY 2024: 1.7×FY 2025: 1.8×FY 2026: 1.6×
FY 2017 5y median 1.8× FY 2026

Dividends

Dividend Yield 2.5%
FY 2017: 4.3%FY 2018: 3.9%FY 2019: 4.0%FY 2020: 4.4%FY 2021: 4.1%FY 2022: 4.7%FY 2023: 3.5%FY 2024: 3.0%FY 2025: 2.7%FY 2026: 2.5%
FY 2017 5y median 3.0% FY 2026
Payout Ratio 35.3%
FY 2017: 16.3%FY 2018: 26.8%FY 2019: 35.8%FY 2020: 46.0%FY 2021: 76.4%FY 2022: 38.1%FY 2023: 41.5%FY 2024: 36.0%FY 2025: 35.2%FY 2026: 35.3%
FY 2017 5y median 36.0% FY 2026

Annual · latest fiscal year ends 2026-03-31