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SESEBNF

Seven Bank, Ltd.

$SEBNF·$2.1B·Banks·Financial Services
$1.780.0%1Y0.0%
Mentions · last 7 days
2026-08-08: 0 posts2026-08-09: 0 posts2026-08-10: 0 posts2026-08-11: 0 posts2026-08-12: 0 posts2026-08-13: 0 posts2026-08-14: 0 posts0
Price updated 1d ago·X counts updated 1d ago
SESEBNF
$SEBNFSeven Bank, Ltd.
$1.780.00%0 posts
AI analysisFundamentalsVoices on X
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AI verdict & sentimentAI analysisGenerated by AI from underlying data

Today's AI verdict on what's driving $SEBNF, plus how loud the X conversation is and which way it's leaning.

AI analysis

TickerTalks’ read on the fundamentals and what’s driving the move.

Proven numbersAcceleratingAI verdict · as of 2026-08-13

The move is getting stronger, with heavier trading behind it.

Seven Bank Japan — ATM/consumer-banking arm of Seven & i Holdings — Q1 FY27 rev +37% YoY and 4 straight EPS beats of +15-99%; thin float ADR.

Seven Bank, Ltd. is a Tokyo-based Japanese consumer bank — nationwide ATM network integrated with 7-Eleven convenience stores, plus personal loans, credit cards, savings accounts, and payment transactions. Small-float ADR; market cap $2.1B.

  • Q1 FY27 (Jun-end) revenue ¥53.3B, +37.2% YoY with 98% gross margin (banking spread) and 18% op margin; the Aug 7 EPS beat +68.5% is the fourth beat in a row (+15%, +99%, +69%, versus a -138% miss in Feb — one outlier), so operating results are outpacing consensus by wide margins.
  • Underlying business quality is high: 6% ROE (modest but positive), 39% D/E, and 0.98 gross margin reflecting the low-cost ATM interchange + spread economics; Japanese retail-banking payment volumes are benefiting from post-cash normalization + tourist-inbound ATM usage.
  • Small-float ADR (position data missing) means the price often lags the underlying Tokyo listing; consensus FY27 ¥15 EPS at 23x TTM P/E prices future growth reasonably, but the ADR is thinly traded and best sized accordingly.

What extends the move: Nov 6 Q2 confirming ATM/consumer-loan growth persistence and FY27 guide raise. What invalidates: a Japanese consumer-loan credit deterioration, or a Seven & i restructuring / Alimentation Couche-Tard revival that disrupts the parent relationship.

What to watch: Nov 6 Q2 earnings — ATM transaction volumes, consumer-loan credit trends, and payment-services growth. Also watch Seven & i Holdings (parent) restructuring / activist news and JPY-USD.

On the calendar: 2026-11-06 — Q2 earnings

Read the AI verdict + X sentiment for $SEBNF

  • One-line verdict on what's driving the move — fundamentals, momentum, both, or an event
  • Next dated catalyst when there is one (earnings, deal closing, activist clock)
  • X crowd read with bullish/bearish call + post volume
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What it does

Plain-English summary of the business — what they sell and how they make money.

Japanese bank operating ATM networks inside 7-Eleven stores nationwide, processing transactions for retail and foreign visitors.

Industry overviewAI analysisGenerated by AI from underlying data

Where Banks sits in its cycle right now — and what that implies for $SEBNF.

Banks · Financial Services

Top industry ETF

$XLFFinancial Select Sector SPDR
+5.6%YTD
+9.7%1Y

Fundamentals & catalyst

Profitability, valuation, and the next earnings event — at a glance, with rule-of-thumb signals.

Key ratios

P/E
23.3How much investors are paying per dollar of profit the company actually earned in the last 12 months. Lower means the stock looks cheaper relative to earnings.~15–25 is typical for the S&P 500; high-growth names trade 30+; hyper-growth or speculative can be 100+ or negative.
ROIC
1.0%What percentage return the business earns on every dollar of capital (equity + debt) deployed in operations. The cleanest measure of business quality.Above ~15% is high-quality; consistently above 25% suggests a real moat. Below the company's cost of capital is value-destroying.
Op margin
12.2%Operating profit (after sales, marketing, R&D, and overhead but before interest and taxes) as a percentage of revenue. The clearest view of how well the underlying business is run.Mature business above 20% is healthy; software businesses can run 30%+; commodity / retail businesses operate in single digits.
FCF yield
0.0%Free cash flow (operating cash flow minus capex) divided by the company's market cap. The cash-on-cash return you'd get owning the whole business at today's price.Above ~5% is attractive; below ~2% means you're paying up for growth. Capital-light businesses (software) run higher than capital-heavy ones (utilities).
P/S
1.9Same idea as P/E but per dollar of revenue. Useful for companies that aren't profitable yet, where P/E is meaningless.Under ~2 is cheap; software / SaaS often runs 8–15; well above 20 implies the market is pricing in very high future growth.
ROE
6.0%Net income as a percentage of shareholders' equity. Similar to ROIC but counts only the equity side.Above 20% is strong, but can be inflated by leverage — a heavily indebted company can show high ROE with weak underlying ROIC.
Gross margin
98.2%Revenue minus the direct cost of producing what was sold, as a percentage of revenue. The first read on whether the product is structurally profitable.Software / SaaS is typically 70%+; consumer goods 30–50%; commodity / hardware businesses can be under 20%.
D/E
0.4Total debt divided by shareholders' equity. Measures how much the business runs on borrowed money versus owner capital.Under 1 is conservative; 1–2 is typical for mature businesses; over 2 is leveraged and more sensitive to interest rates.

Past earnings

QuarterReportedActualEstimateSurprise
Q2 2026Aug 7, 2026$0.03$0.02+68.5%
Q1 2026May 8, 2026$0.03$0.01+99.1%
Q4 2025Feb 6, 2026$-0.01$0.02-138.1%
Q3 2025Nov 6, 2025$0.03$0.03+15.3%
Next earningsFri, Nov 6·consensus EPS $0.02

Quarterly trend

QuarterRevenueYoYGrossOpEPSFCF
Q1 FY27$53.3B+37.2%98.0%18.2%$5.60—
Q4 FY26$56.8B+10.7%98.1%11.4%$4.12$0
Q3 FY26$41.1B-21.7%98.0%20.2%$-1.32$0
Q2 FY26$53.9B+2.3%0.7%16.1%$5.00$0

Forward consensus

5-year forecast · up to 4 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$220.6B$219.3B – $221.4B$11.79$11.63 – $11.984
FY27$241.1B$239.7B – $243.0B$15.13$14.92 – $15.374
FY28$261.1B$257.2B – $265.4B$20.16$19.89 – $20.494
FY29$275.4B$272.5B – $278.8B$22.14$21.84 – $22.502
FY30$243.5B$241.0B – $246.5B$19.74$19.47 – $20.062

Setup & momentum

Volume, range, and moving-average position — the technical setup driving short-term moves.

Right now

Vol vs 30dToday's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.—Today's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.
52w rangeWhere the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.—Where the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.
vs 50d MALatest close vs the 50-day simple moving average. Positive = short-term trend is up.-0.0%Latest close vs the 50-day simple moving average. Positive = short-term trend is up.
vs 200d MALatest close vs the 200-day simple moving average. Positive = long-term trend is up.+0.0%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

FloatHigh float · 422.3M shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today0.0% of floatToday's volume as a percent of the free float. Above 5% on a single day is unusually high turnover for the available share count.β0.115-year weekly beta vs the S&P 500. Above 1.5 means the stock typically moves more than the index; below 0.8 moves less.ListedOTCListed on an over-the-counter market (PNK / OTCQB / OTCQX), not a major exchange. Lower disclosure requirements and thinner liquidity.
Voices on X · last 7 days

No standout posts about $SEBNF on X in the last 7 days.

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