SBI Shinsei Bank runs a Japanese retail and corporate lending franchise spanning mortgages, consumer and card loans, and deposit-taking, with a notable presence in private banking and an investment banking arm that has grown alongside its ties to the SBI Group ecosystem. Its edge rests on a low-cost digital delivery model and a deep relationship with the SBI Group's brokerage and fintech network, which feeds customer acquisition without the branch overhead of the megabanks. Revenue has grown 25.1% over the latest reported period, and an operating margin of 28.6% against a trailing P/E of 12.1 suggests the market is still pricing this as an ordinary regional lender despite the earnings mix shifting toward fee income. The stock is not in any major index, which keeps coverage thin and may leave valuation gaps for a patient holder to examine. The forward multiple is unavailable in our data, so the case for a deeper look depends on whether the 25% growth rate holds up in the detailed filings.
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| Date | Type | New | Previous | Price |
|---|---|---|---|---|
| 23 Oct 2026, 01:53 CEST | ACCE price target | ¥1521 | first publication | ¥1521 |
Answered from SBI Shinsei Bank, Limited fundamentals + recent valuations. Every number shows its source and date.
| Company | Price | Fair value | vs fair value | P/E | ROE | Quality | Score |
|---|---|---|---|---|---|---|---|
| 8303.T SBI Shinsei Bank, Limited | ¥1508.00 | - | - | 12.0x | - | 65 | 61 |
| 7167.T Mebuki Financial Group,Inc. | ¥1477.50 | - | - | 14.4x | 9.2% | 61 | 73 |
| 8354.T Fukuoka Financial Group, Inc. | ¥6859.00 | ¥4894 | 40% above | 14.2x | 8.7% | 61 | 71 |
| 5831.T Shizuoka Financial Group,Inc. | ¥2952.50 | ¥2015 | 47% above | 15.7x | 8.2% | 61 | 72 |
| 5844.T Kyoto Financial Group,Inc. | ¥4113.00 | ¥2165 | 90% above | 11.3x | 7.9% | 61 | 69 |
| 8331.T The Chiba Bank, Ltd. | ¥2467.00 | ¥1486 | 66% above | 17.0x | 8.3% | 61 | 80 |
| 8421.T Shinkin Central Bank | ¥187600.00 | - | - | 37.4x | 2.9% | 55 | 49 |
Where 8303.T ranks against its sector peers on each metric.