Shinkin Central Bank stock
8421.TJPXFinancial ServicesISIN JP3429200003
39Score 39 out of 100, Weak
Price and trend
51 / 100
Price history
+0.5% in one yearThe chart shows daily closes over 20 years, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.
Below the 200-day line: the price is 1.6% below it.
Since June 2026 the 50-day line has been below the 200-day line; the trend has turned down.
Normal: the price is neither overheated nor sold off (RSI 50).
The price is 7.8% below its 52-week high. Largest decline in 20 years: 62% (January 2007 to April 2009).
Chart figures for advanced users
- SMA 50$1,185.88
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$1,196.14
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)50
- Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
- MACDabove the signal line
- Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
- Support$1,150.30
- The lowest closing price of the last twelve months.
- Resistance$1,275.54
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- Shinkin Central Bank belongs to the Banks (Regional) industry (Japan) and, with a market value of $10.25B, is number 108 of 420 companies in its industry on MEQIRI.
- In fiscal 2026 it earned $269.3M (up 1.3% year on year).
- MEQIRI Score 39 out of 100 (Weak): rank 932 of 975 in Financial Services, median 68.
Show more
- The P/E is 34.6 (Banks (Regional) median 12.9, own median of recent years 43.9).
- Our model puts fair value at $342.94, with the price 242% above it.
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- Consistently profitableProfit in all 10 fiscal years from 2017 to 2026.Fundamentals 65
- Reliable dividendNo dividend cut for 11 years.
Weaknesses
- Above fair valuePrice 242% above the fair value of $342.94.Valuation 17
- DilutionShare count up 30% since 2021.Capital allocation 21
- High leverageTotal assets 28.4 times equity.Stability 41
The score is held back by capital allocation and valuation.
Daily figure as of 13 Nov 2026
How the score is calculatedScore overview
Score since yesterday from 38 to 39.
The fundamentals are in the middle range.
Score history
The full history of up to 20 years comes with MEQIRI Pro.
See plansCrash risk not measured
How well MEQIRI warnsFor stocks from Japan, China, Hong Kong, Taiwan, Korea, Canada, India and Brazil we only show crash risk once a separate backtest shows that it warns as well there as in the US and Europe.
Valuation
Valuation signal
Significantly overvaluedClosing price of 12 Nov 2026, used by the daily score.
In our model the price counts as cheap below $285.78 and expensive above $428.67 (uncertainty low, based on the price swings of the past year).
The two parts of the fair value come to $248.40 (excess return model) and $437.47 (industry comparison), and the gap between them shows how uncertain the estimate is. The price is above both.
Calculated with a cost of equity of 6.1%. At 7.1% the fair value would be $322.24, at 5.1% it would be $373.99.
Valuation metrics
Half from the excess return model, half from earnings times the industry P/E (12.9).
Calculate with your own assumptionsCompany performance
This shows several years of history with an automatic assessment.
Revenue
In fiscal 2026, revenue rose 23.5% on the prior year. Revenue has grown solidly since 2007, at about 7% per year.
Margins
- Operating margin
- Net margin
In fiscal 2026: operating 29%, net 21%. Banks and insurers have no gross margin, and their net margin is not comparable with other industries. The score leaves both out. Last 12 months: net 6%.
Debt & balance sheet
latest quarterFor banks and insurers, deposits and liabilities are the business. Debt to equity and the current ratio say little here, and the score does not rate them.
Earnings
- Next earnings
- 22 Jan 2027in 70 days
- Last reported
- 28 Oct 2026EPS reported $9.03
What happened at Shinkin Central Bank
The key events of the last six months from our own data. A click takes you to the matching card.
Sector comparison
975 rated companies in Financial Services
- This company
- 39
- Sector median
- 68
Categories against the sector median
The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.
Competitors in Banks (Regional)
The next larger and next smaller companies by market value
- First HorizonFHN $11.02B56
- Shizuoka Financial Group,Inc.5831.T $10.56B68
- Chang Hwa Commercial Bank2801.TW $10.43B67
- Wintrust FinancialWTFC $10.42B72
- UMB FinancialUMBF $10.14B74
- SouthState BankSSB $10.09B72
- PopularBPOP $9.89B80
- Unicaja BancoUNI.MC $9.85B71
Data status and sources
- Score
- Daily value of 13 Nov 2026, recalculated nightly
- Price
- Closing price of 13 Nov 2026
- Latest annual report
- Fiscal year 2026, period end 31 Mar 2026
- Currency
- Amounts in US dollars, converted at the ECB reference rate of 12 Nov 2026 ($1 = ¥159.70)
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Weak, published since 7 Nov 2026 (in the score history since 30 Apr 2015)
- Valuation signal Overvalued since 7 Nov 2026
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.