Seven Bank stock weighs JPY 280.0 billion growth target
Published on 10/08/2026 at 02:37 | Editorial responsibility: Rafael Müller, Editor-in-Chief AD HOC NEWS
Seven Bank stock (ISIN JP3105220002) was trading at JPY 338.30 on the Tokyo Stock Exchange on October 8, 2026, at 9:17 a.m. JST, giving the bank a market capitalization of JPY 395.1 billion. The strategy update published by Seven Bank on September 30, 2026, sets a JPY 280.0 billion consolidated ordinary income target for FY2028.
Growth target reaches JPY 280.0 billion
Seven Bank's three-year outlook also targets JPY 40.0 billion in ordinary profit and an ROE of 8 percent or higher by FY2028, compared with FY2025 ordinary profit of JPY 30.1 billion and ROE of 4.8 percent.
For FY2026, the company projects ordinary income of JPY 235.5 billion and ordinary profit of JPY 29.5 billion. The plan therefore calls for income growth before a full profit recovery, making margin improvement more important than headline revenue expansion.
Profit recovery starts from a low base
In FY2025, consolidated ordinary income reached JPY 220.0 billion, but net income fell to JPY 13.4 billion after the company recognized JPY 8.4 billion of impairment losses in its credit card business, according to Seven Bank.
The company links the recovery plan to higher ATM-related fee income, lower operating costs and growth in personal loans. Its capital adequacy ratio stood at 29.91 percent as of June 30, 2026, providing a quantified balance-sheet cushion for the investment program.
ATM expansion meets execution risk
Seven Bank had 28,536 domestic ATMs and 1.12 billion total transactions at the end of FY2025. The new plan aims to expand the Japanese network to 44,000 ATMs by 2030, including installations at FamilyMart stores that began in June 2026.
The strategy also identifies rising interest rates, higher operating costs and the shift toward cashless payments as pressures on ATM profitability. Fee revisions with partner financial institutions and the expansion of the +Connect service are intended to raise income per machine.
Consensus stays below the quote
The 12-month consensus on Investing.com is Hold, based on five analysts: one Buy, two Holds and two Sells. The average target is JPY 302.00, with a JPY 270.00 low and JPY 350.00 high; the average target lies 10.7 percent below the JPY 338.30 quote.
Investing.com lists November 6, 2026, as the next earnings date. The June 2026 quarter produced revenue of JPY 53.713 billion and net income of JPY 6.582 billion, compared with JPY 56.469 billion and JPY 4.701 billion in the March 2026 quarter, respectively.
Seven Bank stock trades below its yearly high
Seven Bank stock was trading at JPY 338.30 on the Tokyo Stock Exchange on October 8, 2026, with a JPY 261.80 to JPY 351.00 52-week range. The current valuation leaves the market focused on whether ATM expansion can lift profitability toward the FY2028 targets.
Seven Bank stock facts
- Company: Seven Bank, Ltd.
- ISIN: JP3105220002
- Ticker: 8410
- Trading venue: Tokyo Stock Exchange Prime
- Price (as of October 8, 2026, 9:17 a.m. JST): JPY 338.30
- Market capitalization: JPY 395.1 billion (as of October 8, 2026)
- 52-week range: JPY 261.80-351.00 (as of October 8, 2026)
- Sector / Industry: Financials / Banks
- Index membership: TOPIX Mid400
Upcoming dates for Seven Bank stock
- November 6, 2026: Next earnings report
