Seven Bank targets JPY 40.0 billion profit: Seven Bank stock sits 3.33 percent below its high

Seven Bank (ISIN JP3105220002) targets JPY 40.0 billion in consolidated ordinary profit for fiscal year 2028, while Seven Bank stock stood 3.33 percent below its JPY 351.00 52-week high on October 7, 2026. The company's September 30, 2026 strategy document sets a three-year plan that combines ATM expansion with efforts to restore profitability and capital efficiency.

Profit recovery starts in fiscal 2026

According to Seven Bank in its September 30, 2026 strategy document, consolidated ordinary income is forecast at JPY 235.5 billion in fiscal year 2026, while ordinary profit is forecast at JPY 29.5 billion. That compares with JPY 220.0 billion of ordinary income and JPY 30.1 billion of ordinary profit in fiscal year 2025.

The comparison shows the central tension in the plan: income is expected to rise by 7.05 percent from fiscal year 2025 to fiscal year 2026, while ordinary profit is projected to fall by 1.99 percent. Seven Bank says the first year is a structural reform phase before profit growth is intended to resume from fiscal year 2027.

ATM expansion carries the strategy

The company plans to install approximately 16,000 ATMs at FamilyMart stores by 2030. The expansion would take the domestic network toward 44,000 units, compared with 28,536 installed ATMs and 1.12 billion transactions at the end of fiscal year 2025, according to Seven Bank.

For investors, the operational scale matters because the plan also targets an ROE of at least 8.00 percent in fiscal year 2028, compared with 4.80 percent in fiscal year 2025. Seven Bank identifies ATM-related fees, personal loans, +Connect services and tighter cost control as the main routes to a wider profit margin.

Stock stays below its yearly high

Seven Bank's Japanese-market quote was JPY 339.30 on October 7, 2026 at 9:48 a.m. JST, with a JPY 261.80 to JPY 351.00 52-week range. Its market capitalization was JPY 396.3 billion on the same date.

At Lang & Schwarz, the prior close was EUR 1.92 for October 5, 2026. The further course of trading is shown by the continuously updated real-time quote of Seven Bank stock.

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