Yokohama Financial Group, Inc. (7186.T)

Yokohama Financial Group, Inc. (7186.T) — VMCI valuation read

Yokohama Financial Group, Inc. sits at VMCI 62/100, with the Financial Services sector median at 50. That 12-point spread is the first thing to note on 7186.T: it tells the reader the composite is favorable before any single ratio is examined, and the mid-cap tier sets the comparison set.

Form 4 disclosures on 7186.T are blank for the trailing 30 days. With the insider channel offline, the EV/EBITDA delta, free-cash-flow trajectory, and the next earnings print do the talking.

**Investor frame.** The Value read on 7186.T: 7186.T trades at 20.0x earnings, 11% above the Financial Services median of 18.0x, with EV/EBITDA at 13.0x against 12.0x. The Quality read: ROIC of 12.0% sits 2.0pp above the Financial Services median (10.0%). The Risk read: net debt to EBITDA of -1.0x leaves covenant headroom, anchoring the bear scenario on a measurable balance-sheet metric.

7186.T rose 2.0% over the trailing 7 days, with a -10.7% read on a 30-day basis.