Financial Services
Concordia Financial Group, Ltd.(CRDIY)
Live Price
Offline$33.96
+0.00% today
1Y Change
+79.41%
Window
Jun 25, 2025 โ Jun 23, 2026
- Market Cap
- $1.68T
- Revenue Growth
- +11.7%
- EPS Growth
- +25.3%
- Dividend Yield
- 2.6%
Coverage: 254 bars ยท Jun 25, 2025 โ Jun 23, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
Concordia Financial Group, Ltd. (CRDIY) is a Financial Services stock with a market cap of $1.68T and listed on OTC. The stock last traded around $33.96 and up 79.4% across the available one-year price window (Jun 25, 2025 โ Jun 23, 2026). Baseline metrics include revenue growth of +11.7%, EPS growth of +25.3%, a dividend yield of 2.6%. What stands out right now is revenue +11.7%, EPS +25.3%, free cash flow +101.4% with operating margin 33.2% and ROIC 0.4%. The dividend matters to the case here, with a current yield around 2.6%. Valuation is more restrained than many high-expectation growth names at P/E 16.0 and price/sales 3.7. Overall, the current profile looks closer to a income-oriented value setup than a generic broad-market placeholder. Stock Foundry combines CRDIY price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Sector Context
How this name stacks up against nearby peers on first-pass metrics.
Revenue Growth
Above sector median
+11.7% vs +3.4% peer median
Operating Margin
Above sector median
+33.2% vs +4.7% peer median
What Changed This Quarter
Latest report context and the signals most likely to have changed the story.
Latest report is on the board
2026 was reported on May 12, 2026, but the surprise data is still limited.
The operating story is still moving forward
Revenue is running at +11.7% and EPS at +25.3%, with operating margin around 33.2%.
Shareholder return is still part of the story
The stock is still offering a dividend yield around 2.6%, which matters if the thesis depends on income as much as growth.
Earnings Reaction Memory
How the stock has tended to move after recent reports.
Across the last 3 reported quarters, the stock averaged +11.4% over the next 5 trading days and finished higher after 3 of those reports.
View quarter-by-quarter reaction table
| Quarter | EPS ฮ | 1D | 5D | 20D |
|---|---|---|---|---|
2026 May 12, 2026 | โ | +3.1% | +4.2% | +8.5% |
2026 Feb 5, 2026 | โ | +12.6% | +27.5% | +21.8% |
2025 Nov 14, 2025 | โ | -4.4% | +2.5% | -2.4% |
Benchmark Edge
CRDIY vs SPY, QQQ, and Sector ETFs
Normalized return, excess return, max drawdown, and calendar-year wins against the benchmarks investors actually use.
CRDIY
โ
Normalized return
SPY
--
S&P 500
Excess Return
--
Relative to SPY
CRDIY Max Drawdown
-25.51%
Trailing 1Y
SPY Max Drawdown
โ
Trailing 1Y
Calendar-Year Returns
Uses the longest available daily history for CRDIY and SPY.
Company Overview
Concordia Financial Group, Ltd.
OTC
Concordia Financial Group Ltd. - ADR represents the American Depositary Receipts of Concordia Financial Group Ltd., a significant player in the Japanese banking sector. Its primary function is to provide investors with a convenient way to invest in Concordia Financial Group Ltd., based in Japan, through a US exchange. ADRs like this allow American investors to gain exposure to foreign companies without dealing directly with foreign stock exchanges. Concordia Financial Group Ltd. is engaged in offering a wide range of banking services, including retail banking, corporate banking, and investment services. It plays a crucial role in the financial ecosystem by catering to a diverse client base, including individuals, small and medium-sized enterprises, and larger corporations in Japan. In the global financial markets, the ADR serves as a bridge, increasing liquidity and access for US investors interested in the Japanese financial sector. This facilitates cross-border investment flows, enhancing the interconnectedness of global financial markets.
- Leadership
- Mr. Yoshiyuki Oishi
- Employees
- 5.9k
- Street Address
- Tokyo Nihonbashi Tower, 34th floor 7-1, Nihonbashi 2-chome Chuo-ku
- Mailing
- Tokyo, 103-6034
- Region
- Tokyo, Japan
- Last Updated
- May 8, 2026
Key Fundamentals
Valuation, growth, profitability, and balance sheet signals.
Valuation
- P/E
- 16.0
- EV/EBITDA
- 4.2
- Price/Sales
- 3.7
- Price/Book
- 1.2
Growth
- Revenue
- +11.7%
- EPS
- +25.3%
- Free Cash Flow
- +101.4%
Profitability
- Gross Margin
- 81.1%
- Operating Margin
- 33.2%
- Net Margin
- 23.1%
- ROE
- 7.8%
- ROIC
- 0.4%
Balance Sheet
- Debt/Equity
- 1.84
- Current Ratio
- 6.81
Earnings Reports
Latest News
Official Releases
Company announcements and filings-style updates.
Next Step
Keep the research moving
After the overview, the strongest next step is usually chart context or a tighter compare set.