Prices as of 2026/10/30 close
Company comparison · Mid-Tier & Retail Banks
SBI Shinsei is the bigger company, with revenue of ¥774.1B — 3.0x Rakuten Bank's ¥255.6B.
Revenue growth in the latest results: Rakuten Bank +38.4%, SBI Shinsei +26.1%.
SBI Shinsei pays more on average — ¥8.56M against ¥7.07M at Rakuten Bank.
Over the past year the shares moved SBI Shinsei −13.4%, Rakuten Bank −28.7%.
Head-to-head wins12 metrics
One win per metric for the company with the best value. Metrics with no better or worse (P/E, average age, employees) are excluded.
ScaleInvestors
SBI Shinsei aheadSBI Shinsei 2 : Rakuten Bank 0
Revenue: SBI Shinsei ¥774.1B / Rakuten Bank ¥255.6B
ProfitabilityInvestors
Rakuten Bank aheadSBI Shinsei 1 : Rakuten Bank 2
Net margin: SBI Shinsei 14.7% / Rakuten Bank 28.6%
GrowthInvestors
Rakuten Bank aheadSBI Shinsei 0 : Rakuten Bank 1
Revenue growth (YoY): SBI Shinsei +26.1% / Rakuten Bank +38.4%
Stock & balance sheetInvestors
SBI Shinsei aheadSBI Shinsei 2 : Rakuten Bank 1
Share price, 1 year: SBI Shinsei −13.4% / Rakuten Bank −28.7%
Pay & workforceJob seekers
SBI Shinsei aheadSBI Shinsei 3 : Rakuten Bank 0
Average salary: SBI Shinsei ¥8.56M / Rakuten Bank ¥7.07M
| Metric | SBI Shinsei | Rakuten Bank | Gap |
|---|---|---|---|
| Revenue | ◎¥774.1B | ¥255.6B | 3.0x |
| Net income | ◎¥113.4B | ¥73.1B | 1.6x |
| Metric | SBI Shinsei | Rakuten Bank | Gap |
|---|---|---|---|
| Net margin | 14.7% | ◎28.6% | 13.9pt |
| ROE | 10.4% | ◎21.7% | 11.3pt |
| Revenue per employee | ◎¥320M | ¥259M | 1.2x |
| Metric | SBI Shinsei | Rakuten Bank | Gap |
|---|---|---|---|
| Revenue growth (YoY) | +26.1% | ◎+38.4% | 12.3pt |
| Guidance: revenue growthnext FY plan | — | +23.1% |
| Metric | SBI Shinsei | Rakuten Bank | Gap |
|---|---|---|---|
| Share price, 1 year | ◎−13.4% | −28.7% | 15.3pt |
| Share price, 3 months | +9.9% | ◎+11.4% | 1.6pt |
| P/E (trailing)lower = cheaper | 11.3x | 14.1x | |
| Equity ratio | ◎5.0% | 2.3% | 2.6pt |
| Share price (close) | ¥1,558 | ¥5,919 |
◎ marks the best value for each metric. Revenue and profit are from the latest full-year earnings release; share prices are closing-price references; P/E = latest close ÷ trailing EPS. For banks and some other financials, revenue means ordinary income.
| Metric | SBI Shinsei | Rakuten Bank | Gap |
|---|---|---|---|
| Average salary | ◎¥8.56M | ¥7.07M | ¥1.49M |
| Starting salary (monthly) | ◎¥300,000 | ¥265,000 | ¥35,000 |
| Average tenure | ◎13.1 yrs | 5.5 yrs | 7.6 |
| Average age | 42.7 | 37.4 | 5.3 |
| Employees | 2,419 | 987 | 2.5x |
Average salary is for the reporting (parent) company and is affected by average age and job mix. Holding companies with few employees are left out of the salary comparison.
Close (Oct 30, 2026)
¥1,558-100.0% (1Y)
SBI Shinsei -100.0% over 1Y. Compared: Rakuten Bank -20.6%.
Reference chart of daily closing prices, not real-time quotes (split-adjusted; weekly closes before the last year). Each line shows the % change from the start of the period. Updated Oct 30, 2026.
SBI Shinsei11 segments
Rakuten Bank1 segments
AAverage annual salary from the securities filings: SBI Shinsei ¥8.56M, Rakuten Bank ¥7.07M. SBI Shinsei pays the most. Averages also depend on staff age and job mix, so check the average age too (SBI Shinsei 42.7, Rakuten Bank 37.4).
ARevenue in the latest results: SBI Shinsei ¥774.1B, Rakuten Bank ¥255.6B. SBI Shinsei is the bigger company, with revenue of ¥774.1B — 3.0x Rakuten Bank's ¥255.6B.
AShare price change over the past year (closing prices, for reference): SBI Shinsei −13.4%, Rakuten Bank −28.7%. SBI Shinsei has risen the most.
Comparing 2 companies (up to 4)
Sources: earnings releases (kessan tanshin), annual securities reports and other public information. Share prices are closing-price references, not real-time. Our data may contain errors; investment decisions are your own responsibility.
