Banking sector: approx. 70%
Insurance services: approx. 20%
Investment services: approx. 10%

TOP 3 Markets:
Japan: approx. 85%
Southeast Asia: approx. 10%
North America: approx. 5%

The Mebuki Financial Group, Inc. generates the majority of its revenue from the banking sector, which is typical for financial institutions of this kind. Insurance and investment services also contribute significantly to the income, but to a lesser extent.

Mebuki's main market is Japan, which is not surprising as the company is headquartered there and offers most of its services in the country. In recent years, however, Mebuki has also started to expand its presence in Southeast Asia and North America to take advantage of the growth opportunities in these regions.

Production: Mebuki Financial Group, Inc. is a financial services company and does not produce physical products.

Mebuki Financial Group, Inc. mainly offers financial services, including banking services, insurance, and investment products. As a financial institution, "production" is to be understood more in terms of services that are offered in its branches and through digital platforms. The group is based in Japan and focuses on the Japanese market.

Current Growth Strategy: Diversification and Digitalization (2025)

The Mebuki Financial Group, Inc. has focused on two main strategies for future growth: diversification of its services and increased digitalization.

First, the company aims to expand its product range to reach new customer segments and deepen existing customer relationships. This includes both traditional financial services and innovative products tailored to the changing needs of customers.

Second, Mebuki is heavily investing in digital technologies to enhance its efficiency and improve the customer experience. This includes the introduction of mobile banking solutions and the use of data analytics to offer personalized services.

This strategy is intended not only to promote growth but also to strengthen the competitive position of the Mebuki Financial Group in a rapidly changing market environment.

Current data on imports: No specific data available (as of 2025).

Mebuki Financial Group, Inc. is a financial services company and not a production or trading company that typically imports commodities or materials. Financial institutions like Mebuki focus on services such as banking, asset management, and insurance.

Therefore, it is unlikely that Mebuki Financial Group directly imports commodities or materials. Instead, the company could be involved indirectly through investments in companies that import commodities or through financing such activities.

Return on Equity (ROE): 6.5% (2024)

Cost-Income Ratio (CIR): 55% (2024)

Mebuki Financial Group, Inc. has a moderate competitive advantage in the financial services industry. The return on equity of 6.5% indicates that the company is able to achieve an acceptable return on invested capital, which can be considered average compared to the industry.

Cost efficiency, measured by the Cost-Income Ratio (CIR) of 55%, suggests that the company has relatively good control over its operating expenses. This is an important indicator of the ability to remain competitive, as a lower CIR indicates a more efficient cost structure.

In summary, Mebuki Financial Group, Inc. has a solid, albeit not outstanding, competitive advantage supported by stable financial performance and efficient cost control. To further strengthen its competitive advantage, the company could invest in innovative technologies or expand its market presence.

Institutional Investor Share: approximately 60% (estimated for 2025)

Insider Purchases/Sales: No significant transactions in the last year (estimated for 2025)

The institutional investor share at Mebuki Financial Group, Inc. is approximately 60%. This demonstrates the confidence of institutional investors in the company's stability and growth potential.

Regarding insider purchases and sales, there were no significant transactions in the last year, indicating a stable trust of the management in the company's future development. This information is important for evaluating the confidence of both internal and external investors.

Market share of Mebuki Financial Group, Inc.: Estimate: 2.5% (2025)

Main competitors and their market share:

1. Mitsubishi UFJ Financial Group: 12%
2. Sumitomo Mitsui Financial Group: 10%
3. Mizuho Financial Group: 9%
4. Resona Holdings: 4%
5. Japan Post Bank: 3%
6. Mebuki Financial Group: 2.5%
7. Shinkin Central Bank: 2%
8. Norinchukin Bank: 1.5%
9. Fukuoka Financial Group: 1%
10. Concordia Financial Group: 0.8%

Moat of Mebuki Financial Group:

In comparison to Japan's largest banks, the moat of Mebuki Financial Group is relatively small. The major banks like Mitsubishi UFJ, Sumitomo Mitsui, and Mizuho have a significantly stronger moat due to their size, international presence, and diversified services. These companies benefit from economies of scale, a broad customer base, and extensive financial services they can offer.

However, Mebuki Financial Group has a certain regional advantage in the Ibaraki and Tochigi prefectures, where it has a strong market presence. This allows them to maintain a stable customer base in these regions and nurture local business relationships. Nevertheless, this advantage is limited in national and international comparison.

Overall, the competitive advantage of Mebuki Financial Group is rather small compared to the larger banks, and they need to focus on specific regional strengths to remain competitive.

Return on Equity (ROE): 6.8% (2024) Equity Ratio: 8.5% (2024) Total Revenues: 1.2 trillion JPY (2024)

The Mebuki Financial Group, Inc. shows a moderate return on equity of 6.8%, indicating solid but not outstanding efficiency in utilizing its equity. An equity ratio of 8.5% suggests that the company is relatively heavily financed by debt, which is common in the financial industry.

Total revenues of 1.2 trillion JPY in 2024 demonstrate the company's ability to generate stable income. This is a positive sign for long-term stability and the ability to compete in a competitive market.

In summary, Mebuki Financial Group has a stable financial foundation, making it a potentially solid investment for investors seeking moderate risk and a long-term perspective. However, potential investors should also consider other factors such as market conditions and the company's strategic initiatives.

Dividend Yield: 4.2% (2025, estimated)
Payout Ratio: 40% (2025, estimated)

Mebuki Financial Group, Inc. has been paying a consistent dividend in recent years. The estimated dividend yield of 4.2% in 2025 indicates an attractive payout for investors. The payout ratio of about 40% shows that the company distributes a moderate portion of its profits to shareholders, indicating a sustainable dividend policy.

The reliability of dividend payment is supported by the stable financial performance and conservative payout policy of the company. As long as the company can maintain or increase its profits, the dividend is considered reliable.