Concordia Financial Group, Ltd. - 7186.T - Fundamentals

Best investment/trading ideas for the week + NEW TOOL PRESENTATIONJoin our free webinar on April15,2026.

Combo Screeneris now available. Explore seasonality and pattern opportunities across asset classes.

Explore now

‌
‌

‌

Let's get started...

‌

Breakdown	2015 03/31	2016 03/31	2017 03/31	2018 03/31	2019 03/31	2020 03/31	2021 03/31	2022 03/31	2023 03/31	2024 03/31	2025 03/31	TTM
REVENUE	315,905	298,280	299,342	270,523	272,601	268,887	264,887	270,296	296,107	340,710	380,588	418,335	📊
Revenue Growth (1Y)	--	-5.58%	+0.36%	-9.63%	+0.77%	-1.36%	-1.49%	+2.04%	+9.55%	+15.06%	+11.70%	+9.92%	📊
Revenue Growth (5Y)	--	--	--	--	-13.71%	-9.85%	-11.51%	-0.08%	+8.62%	+26.71%	+43.68%	+57.93%	📊
Revenue Growth (10Y)	--	--	--	--	--	--	--	--	--	+7.85%	+27.59%	+40.25%	📊
Cost of Revenue	0	-2,577	-1,977	0	0	0	0	5,409	29,247	54,129	66,169	23,769	📊
Cost of Revenue Growth (1Y)	--	--	+23.28%	+100.00%	--	--	--	--	+440.71%	+85.08%	+22.24%	-64.08%	📊
Cost of Revenue Growth (5Y)	--	--	--	--	--	+100.00%	+100.00%	--	--	--	--	--	📊
Cost of Revenue Growth (10Y)	--	--	--	--	--	--	--	--	--	--	+2667.68%	+1022.35%	📊
Gross Profit	315,905	300,857	301,319	270,523	272,601	268,887	264,887	264,887	266,860	286,581	314,419	271,079	📊
Gross Profit Growth (1Y)	--	-4.76%	+0.15%	-10.22%	+0.77%	-1.36%	-1.49%	0.00%	+0.74%	+7.39%	+9.71%	-13.78%	📊
Gross Profit Growth (5Y)	--	--	--	--	-13.71%	-10.63%	-12.09%	-2.08%	-2.11%	+6.58%	+18.70%	+2.34%	📊
Gross Profit Growth (10Y)	--	--	--	--	--	--	--	--	--	-9.28%	+4.51%	-9.90%	📊
Operating Expenses	143,780	206,996	199,768	187,271	186,899	203,222	179,165	186,303	186,327	195,189	195,501	121,548	📊
Operating Expenses Growth (1Y)	--	+43.97%	-3.49%	-6.26%	-0.20%	+8.73%	-11.84%	+3.98%	+0.01%	+4.76%	+0.16%	-37.83%	📊
Operating Expenses Growth (5Y)	--	--	--	--	+29.99%	-1.82%	-10.31%	-0.52%	-0.31%	-3.95%	+9.12%	-32.16%	📊
Operating Expenses Growth (10Y)	--	--	--	--	--	--	--	--	--	+35.76%	-5.55%	-41.28%	📊
Sell General Administrative	0	135,120	133,895	133,012	134,818	136,888	131,131	131,131	125,540	133,552	134,127	71,999	📊
Research and Development	0	0	0	0	0	0	0	0	0	0	0	--	📊
Other Income Expenses	-143,780	71,876	65,873	54,259	52,081	66,334	48,034	55,172	60,787	61,637	61,374	49,549	📊
EBITDA	123,664	166,163	107,755	91,104	81,682	49,829	92,308	92,308	93,685	104,660	131,692	152,355	📊
EBITDA Growth (1Y)	--	+34.37%	-35.15%	-15.45%	-10.34%	-39.00%	+85.25%	0.00%	+1.49%	+11.71%	+25.83%	+15.69%	📊
EBITDA Growth (5Y)	--	--	--	--	-33.95%	-70.01%	-14.34%	+1.32%	+14.69%	+110.04%	+42.67%	+65.05%	📊
EBITDA Growth (10Y)	--	--	--	--	--	--	--	--	--	-15.37%	-20.75%	-8.31%	📊
Depreciation and Amortization	8,749	9,858	10,579	11,826	13,055	13,513	13,724	13,724	13,152	13,268	12,774	--	📊
Operating Income	-1,667	166,701	109,138	67,344	55,329	22,116	64,395	78,584	80,533	91,392	118,918	185,109	📊
Operating Income Growth (1Y)	--	+10100.06%	-34.53%	-38.29%	-17.84%	-60.03%	+191.17%	+22.03%	+2.48%	+13.48%	+30.12%	+55.66%	📊
Operating Income Growth (5Y)	--	--	--	--	+3419.08%	-86.73%	-41.00%	+16.69%	+45.55%	+313.24%	+84.67%	+187.46%	📊
Operating Income Growth (10Y)	--	--	--	--	--	--	--	--	--	+5582.42%	-28.66%	+11.04%	📊
Interest Expense	972	10,956	12,390	18,880	17,016	6,154	5,409	5,409	29,247	54,129	66,169	23,769	📊
Pre Tax Income	113,943	156,525	97,302	79,314	68,641	36,315	78,584	78,584	80,533	91,392	118,918	151,423	📊
Tax Provision	37,702	29,089	30,335	24,847	21,834	10,303	24,238	24,238	24,327	24,208	35,847	45,249	📊
NET INCOME	74,574	126,656	66,413	54,285	46,536	25,326	53,881	53,881	56,159	66,931	82,805	105,056	📊
Net Income Growth (1Y)	--	+69.84%	-47.56%	-18.26%	-14.27%	-45.58%	+112.75%	0.00%	+4.23%	+19.18%	+23.72%	+26.87%	📊
Net Income Growth (5Y)	--	--	--	--	-37.60%	-80.00%	-18.87%	-0.74%	+20.68%	+164.28%	+53.68%	+94.98%	📊
Net Income Growth (10Y)	--	--	--	--	--	--	--	--	--	-10.25%	-34.62%	-17.05%	📊
Basic EPS	60.8	98.08	52.36	45.01	38.38	20.99	44.68	44.68	47.4	57.16	71.64	92.3	📊
Diluted EPS	60.77	98.01	52.32	45.01	38.37	20.99	44.67	44.67	47.39	57.16	71.63	92.27	📊
Basic Average Shares	1,227	1,206	1,206	1,206	1,206	1,206	1,206	1,206	1,185	1,412	1,156	1,139	📊
Diluted Average Shares	1,227	1,206	1,206	1,206	1,206	1,206	1,206	1,206	1,185	1,171	1,156	1,139	📊

Breakdown

2015

03/31

2016

03/31

2017

03/31

2018

03/31

2019

03/31

2020

03/31

2021

03/31

2022

03/31

2023

03/31

2024

03/31

2025

03/31

TTM

REVENUE

315,905

298,280

299,342

270,523

272,601

268,887

264,887

270,296

296,107

340,710

380,588

418,335

📊

Revenue Growth (1Y)

-5.58%

+0.36%

-9.63%

+0.77%

-1.36%

-1.49%

+2.04%

+9.55%

+15.06%

+11.70%

+9.92%

📊

Revenue Growth (5Y)

-13.71%

-9.85%

-11.51%

-0.08%

+8.62%

+26.71%

+43.68%

+57.93%

📊

Revenue Growth (10Y)

+7.85%

+27.59%

+40.25%

📊

Cost of Revenue

-2,577

-1,977

5,409

29,247

54,129

66,169

23,769

📊

Cost of Revenue Growth (1Y)

+23.28%

+100.00%

+440.71%

+85.08%

+22.24%

-64.08%

📊

Cost of Revenue Growth (5Y)

+100.00%

📊

Cost of Revenue Growth (10Y)

+2667.68%

+1022.35%

📊

Gross Profit

315,905

300,857

301,319

270,523

272,601

268,887

264,887

266,860

286,581

314,419

271,079

📊

Gross Profit Growth (1Y)

-4.76%

+0.15%

-10.22%

+0.77%

-1.36%

-1.49%

0.00%

+0.74%

+7.39%

+9.71%

-13.78%

📊

Gross Profit Growth (5Y)

-13.71%

-10.63%

-12.09%

-2.08%

-2.11%

+6.58%

+18.70%

+2.34%

📊

Gross Profit Growth (10Y)

-9.28%

+4.51%

-9.90%

📊

Operating Expenses

143,780

206,996

199,768

187,271

186,899

203,222

179,165

186,303

186,327

195,189

195,501

121,548

📊

Operating Expenses Growth (1Y)

+43.97%

-3.49%

-6.26%

-0.20%

+8.73%

-11.84%

+3.98%

+0.01%

+4.76%

+0.16%

-37.83%

📊

Operating Expenses Growth (5Y)

+29.99%

-1.82%

-10.31%

-0.52%

-0.31%

-3.95%

+9.12%

-32.16%

📊

Operating Expenses Growth (10Y)

+35.76%

-5.55%

-41.28%

📊

Sell General Administrative

135,120

133,895

133,012

134,818

136,888

131,131

125,540

133,552

134,127

71,999

📊

Research and Development

📊

Other Income Expenses

-143,780

71,876

65,873

54,259

52,081

66,334

48,034

55,172

60,787

61,637

61,374

49,549

📊

EBITDA

123,664

166,163

107,755

91,104

81,682

49,829

92,308

93,685

104,660

131,692

152,355

📊

EBITDA Growth (1Y)

+34.37%

-35.15%

-15.45%

-10.34%

-39.00%

+85.25%

0.00%

+1.49%

+11.71%

+25.83%

+15.69%

📊

EBITDA Growth (5Y)

-33.95%

-70.01%

-14.34%

+1.32%

+14.69%

+110.04%

+42.67%

+65.05%

📊

EBITDA Growth (10Y)

-15.37%

-20.75%

-8.31%

📊

Depreciation and Amortization

8,749

9,858

10,579

11,826

13,055

13,513

13,724

13,152

13,268

12,774

📊

Operating Income

-1,667

166,701

109,138

67,344

55,329

22,116

64,395

78,584

80,533

91,392

118,918

185,109

📊

Operating Income Growth (1Y)

+10100.06%

-34.53%

-38.29%

-17.84%

-60.03%

+191.17%

+22.03%

+2.48%

+13.48%

+30.12%

+55.66%

📊

Operating Income Growth (5Y)

+3419.08%

-86.73%

-41.00%

+16.69%

+45.55%

+313.24%

+84.67%

+187.46%

📊

Operating Income Growth (10Y)

+5582.42%

-28.66%

+11.04%

📊

Interest Expense

972

10,956

12,390

18,880

17,016

6,154

5,409

29,247

54,129

66,169

23,769

📊

Pre Tax Income

113,943

156,525

97,302

79,314

68,641

36,315

78,584

80,533

91,392

118,918

151,423

📊

Tax Provision

37,702

29,089

30,335

24,847

21,834

10,303

24,238

24,327

24,208

35,847

45,249

📊

NET INCOME

74,574

126,656

66,413

54,285

46,536

25,326

53,881

56,159

66,931

82,805

105,056

📊

Net Income Growth (1Y)

+69.84%

-47.56%

-18.26%

-14.27%

-45.58%

+112.75%

0.00%

+4.23%

+19.18%

+23.72%

+26.87%

📊

Net Income Growth (5Y)

-37.60%

-80.00%

-18.87%

-0.74%

+20.68%

+164.28%

+53.68%

+94.98%

📊

Net Income Growth (10Y)

-10.25%

-34.62%

-17.05%

📊

Basic EPS

60.8

98.08

52.36

45.01

38.38

20.99

44.68

47.4

57.16

71.64

92.3

📊

Diluted EPS

60.77

98.01

52.32

45.01

38.37

20.99

44.67

47.39

57.16

71.63

92.27

📊

Basic Average Shares

1,227

1,206

1,185

1,412

1,156

1,139

📊

Diluted Average Shares

1,227

1,206

1,185

1,171

1,156

1,139

📊

Breakdown	2015 03/31	2016 03/31	2017 03/31	2018 03/31	2019 03/31	2020 03/31	2021 03/31	2022 03/31	2023 03/31	2024 03/31	2025 03/31	TTM
REVENUE	315,905	298,280	299,342	270,523	272,601	268,887	264,887	270,296	296,107	340,710	380,588	418,335	📊
Revenue Growth (1Y)	--	-5.58%	+0.36%	-9.63%	+0.77%	-1.36%	-1.49%	+2.04%	+9.55%	+15.06%	+11.70%	+9.92%	📊
Revenue Growth (5Y)	--	--	--	--	-13.71%	-9.85%	-11.51%	-0.08%	+8.62%	+26.71%	+43.68%	+57.93%	📊
Revenue Growth (10Y)	--	--	--	--	--	--	--	--	--	+7.85%	+27.59%	+40.25%	📊
Cost of Revenue	0	-2,577	-1,977	0	0	0	0	5,409	29,247	54,129	66,169	23,769	📊
Cost of Revenue Growth (1Y)	--	--	+23.28%	+100.00%	--	--	--	--	+440.71%	+85.08%	+22.24%	-64.08%	📊
Cost of Revenue Growth (5Y)	--	--	--	--	--	+100.00%	+100.00%	--	--	--	--	--	📊
Cost of Revenue Growth (10Y)	--	--	--	--	--	--	--	--	--	--	+2667.68%	+1022.35%	📊
Gross Profit	315,905	300,857	301,319	270,523	272,601	268,887	264,887	264,887	266,860	286,581	314,419	271,079	📊
Gross Profit Growth (1Y)	--	-4.76%	+0.15%	-10.22%	+0.77%	-1.36%	-1.49%	0.00%	+0.74%	+7.39%	+9.71%	-13.78%	📊
Gross Profit Growth (5Y)	--	--	--	--	-13.71%	-10.63%	-12.09%	-2.08%	-2.11%	+6.58%	+18.70%	+2.34%	📊
Gross Profit Growth (10Y)	--	--	--	--	--	--	--	--	--	-9.28%	+4.51%	-9.90%	📊
Operating Expenses	143,780	206,996	199,768	187,271	186,899	203,222	179,165	186,303	186,327	195,189	195,501	121,548	📊
Operating Expenses Growth (1Y)	--	+43.97%	-3.49%	-6.26%	-0.20%	+8.73%	-11.84%	+3.98%	+0.01%	+4.76%	+0.16%	-37.83%	📊
Operating Expenses Growth (5Y)	--	--	--	--	+29.99%	-1.82%	-10.31%	-0.52%	-0.31%	-3.95%	+9.12%	-32.16%	📊
Operating Expenses Growth (10Y)	--	--	--	--	--	--	--	--	--	+35.76%	-5.55%	-41.28%	📊
Sell General Administrative	0	135,120	133,895	133,012	134,818	136,888	131,131	131,131	125,540	133,552	134,127	71,999	📊
Research and Development	0	0	0	0	0	0	0	0	0	0	0	--	📊
Other Income Expenses	-143,780	71,876	65,873	54,259	52,081	66,334	48,034	55,172	60,787	61,637	61,374	49,549	📊
EBITDA	123,664	166,163	107,755	91,104	81,682	49,829	92,308	92,308	93,685	104,660	131,692	152,355	📊
EBITDA Growth (1Y)	--	+34.37%	-35.15%	-15.45%	-10.34%	-39.00%	+85.25%	0.00%	+1.49%	+11.71%	+25.83%	+15.69%	📊
EBITDA Growth (5Y)	--	--	--	--	-33.95%	-70.01%	-14.34%	+1.32%	+14.69%	+110.04%	+42.67%	+65.05%	📊
EBITDA Growth (10Y)	--	--	--	--	--	--	--	--	--	-15.37%	-20.75%	-8.31%	📊
Depreciation and Amortization	8,749	9,858	10,579	11,826	13,055	13,513	13,724	13,724	13,152	13,268	12,774	--	📊
Operating Income	-1,667	166,701	109,138	67,344	55,329	22,116	64,395	78,584	80,533	91,392	118,918	185,109	📊
Operating Income Growth (1Y)	--	+10100.06%	-34.53%	-38.29%	-17.84%	-60.03%	+191.17%	+22.03%	+2.48%	+13.48%	+30.12%	+55.66%	📊
Operating Income Growth (5Y)	--	--	--	--	+3419.08%	-86.73%	-41.00%	+16.69%	+45.55%	+313.24%	+84.67%	+187.46%	📊
Operating Income Growth (10Y)	--	--	--	--	--	--	--	--	--	+5582.42%	-28.66%	+11.04%	📊
Interest Expense	972	10,956	12,390	18,880	17,016	6,154	5,409	5,409	29,247	54,129	66,169	23,769	📊
Pre Tax Income	113,943	156,525	97,302	79,314	68,641	36,315	78,584	78,584	80,533	91,392	118,918	151,423	📊
Tax Provision	37,702	29,089	30,335	24,847	21,834	10,303	24,238	24,238	24,327	24,208	35,847	45,249	📊
NET INCOME	74,574	126,656	66,413	54,285	46,536	25,326	53,881	53,881	56,159	66,931	82,805	105,056	📊
Net Income Growth (1Y)	--	+69.84%	-47.56%	-18.26%	-14.27%	-45.58%	+112.75%	0.00%	+4.23%	+19.18%	+23.72%	+26.87%	📊
Net Income Growth (5Y)	--	--	--	--	-37.60%	-80.00%	-18.87%	-0.74%	+20.68%	+164.28%	+53.68%	+94.98%	📊
Net Income Growth (10Y)	--	--	--	--	--	--	--	--	--	-10.25%	-34.62%	-17.05%	📊
Basic EPS	60.8	98.08	52.36	45.01	38.38	20.99	44.68	44.68	47.4	57.16	71.64	92.3	📊
Diluted EPS	60.77	98.01	52.32	45.01	38.37	20.99	44.67	44.67	47.39	57.16	71.63	92.27	📊
Basic Average Shares	1,227	1,206	1,206	1,206	1,206	1,206	1,206	1,206	1,185	1,412	1,156	1,139	📊
Diluted Average Shares	1,227	1,206	1,206	1,206	1,206	1,206	1,206	1,206	1,185	1,171	1,156	1,139	📊

Breakdown

2015

03/31

2016

03/31

2017

03/31

2018

03/31

2019

03/31

2020

03/31

2021

03/31

2022

03/31

2023

03/31

2024

03/31

2025

03/31

TTM

REVENUE

315,905

298,280

299,342

270,523

272,601

268,887

264,887

270,296

296,107

340,710

380,588

418,335

📊

Revenue Growth (1Y)

-5.58%

+0.36%

-9.63%

+0.77%

-1.36%

-1.49%

+2.04%

+9.55%

+15.06%

+11.70%

+9.92%

📊

Revenue Growth (5Y)

-13.71%

-9.85%

-11.51%

-0.08%

+8.62%

+26.71%

+43.68%

+57.93%

📊

Revenue Growth (10Y)

+7.85%

+27.59%

+40.25%

📊

Cost of Revenue

-2,577

-1,977

5,409

29,247

54,129

66,169

23,769

📊

Cost of Revenue Growth (1Y)

+23.28%

+100.00%

+440.71%

+85.08%

+22.24%

-64.08%

📊

Cost of Revenue Growth (5Y)

+100.00%

📊

Cost of Revenue Growth (10Y)

+2667.68%

+1022.35%

📊

Gross Profit

315,905

300,857

301,319

270,523

272,601

268,887

264,887

266,860

286,581

314,419

271,079

📊

Gross Profit Growth (1Y)

-4.76%

+0.15%

-10.22%

+0.77%

-1.36%

-1.49%

0.00%

+0.74%

+7.39%

+9.71%

-13.78%

📊

Gross Profit Growth (5Y)

-13.71%

-10.63%

-12.09%

-2.08%

-2.11%

+6.58%

+18.70%

+2.34%

📊

Gross Profit Growth (10Y)

-9.28%

+4.51%

-9.90%

📊

Operating Expenses

143,780

206,996

199,768

187,271

186,899

203,222

179,165

186,303

186,327

195,189

195,501

121,548

📊

Operating Expenses Growth (1Y)

+43.97%

-3.49%

-6.26%

-0.20%

+8.73%

-11.84%

+3.98%

+0.01%

+4.76%

+0.16%

-37.83%

📊

Operating Expenses Growth (5Y)

+29.99%

-1.82%

-10.31%

-0.52%

-0.31%

-3.95%

+9.12%

-32.16%

📊

Operating Expenses Growth (10Y)

+35.76%

-5.55%

-41.28%

📊

Sell General Administrative

135,120

133,895

133,012

134,818

136,888

131,131

125,540

133,552

134,127

71,999

📊

Research and Development

📊

Other Income Expenses

-143,780

71,876

65,873

54,259

52,081

66,334

48,034

55,172

60,787

61,637

61,374

49,549

📊

EBITDA

123,664

166,163

107,755

91,104

81,682

49,829

92,308

93,685

104,660

131,692

152,355

📊

EBITDA Growth (1Y)

+34.37%

-35.15%

-15.45%

-10.34%

-39.00%

+85.25%

0.00%

+1.49%

+11.71%

+25.83%

+15.69%

📊

EBITDA Growth (5Y)

-33.95%

-70.01%

-14.34%

+1.32%

+14.69%

+110.04%

+42.67%

+65.05%

📊

EBITDA Growth (10Y)

-15.37%

-20.75%

-8.31%

📊

Depreciation and Amortization

8,749

9,858

10,579

11,826

13,055

13,513

13,724

13,152

13,268

12,774

📊

Operating Income

-1,667

166,701

109,138

67,344

55,329

22,116

64,395

78,584

80,533

91,392

118,918

185,109

📊

Operating Income Growth (1Y)

+10100.06%

-34.53%

-38.29%

-17.84%

-60.03%

+191.17%

+22.03%

+2.48%

+13.48%

+30.12%

+55.66%

📊

Operating Income Growth (5Y)

+3419.08%

-86.73%

-41.00%

+16.69%

+45.55%

+313.24%

+84.67%

+187.46%

📊

Operating Income Growth (10Y)

+5582.42%

-28.66%

+11.04%

📊

Interest Expense

972

10,956

12,390

18,880

17,016

6,154

5,409

29,247

54,129

66,169

23,769

📊

Pre Tax Income

113,943

156,525

97,302

79,314

68,641

36,315

78,584

80,533

91,392

118,918

151,423

📊

Tax Provision

37,702

29,089

30,335

24,847

21,834

10,303

24,238

24,327

24,208

35,847

45,249

📊

NET INCOME

74,574

126,656

66,413

54,285

46,536

25,326

53,881

56,159

66,931

82,805

105,056

📊

Net Income Growth (1Y)

+69.84%

-47.56%

-18.26%

-14.27%

-45.58%

+112.75%

0.00%

+4.23%

+19.18%

+23.72%

+26.87%

📊

Net Income Growth (5Y)

-37.60%

-80.00%

-18.87%

-0.74%

+20.68%

+164.28%

+53.68%

+94.98%

📊

Net Income Growth (10Y)

-10.25%

-34.62%

-17.05%

📊

Basic EPS

60.8

98.08

52.36

45.01

38.38

20.99

44.68

47.4

57.16

71.64

92.3

📊

Diluted EPS

60.77

98.01

52.32

45.01

38.37

20.99

44.67

47.39

57.16

71.63

92.27

📊

Basic Average Shares

1,227

1,206

1,185

1,412

1,156

1,139

📊

Diluted Average Shares

1,227

1,206

1,185

1,171

1,156

1,139

📊

Ex-Dividend date	03/30/2026
Payment date	05/01/2026
Annual Dividend	37.00 (JPY)
Dividend Yield	2.40%
Shareholders Yield	28.61%
Next Earnings	05/12/2026
Market cap	1.75T (JPY)
EPS (TTM)	92.30 (JPY)
P/E (TTM)	16.73 (JPY)
Last Close	1544.50

Next Earnings	05/12/2026
Market cap	1.75T (JPY)
EPS (TTM)	92.30 (JPY)
P/E (TTM)	16.73 (JPY)
Last Close	1544.50 (JPY)

Ex-Dividend date	03/30/2026
Payment date	05/01/2026
Annual Dividend	37.00 (JPY)
Dividend Yield	2.40%
Shareholders Yield	28.61%
Next Earnings	05/12/2026
Market cap	1.75T (JPY)
EPS (TTM)	92.30 (JPY)
P/E (TTM)	16.73 (JPY)
Last Close	1544.50

Next Earnings	05/12/2026
Market cap	1.75T (JPY)
EPS (TTM)	92.30 (JPY)
P/E (TTM)	16.73 (JPY)
Last Close	1544.50 (JPY)