What are the stocks with advantages from rising interest rates that can be bought now? The bank and insurance stocks are continuously hitting new highs with expectations of improved earnings! Some even have risen over 90% since the beginning of the year.

Particularly noteworthy is the direct benefit from the rise in domestic interest rates.Banks with high domestic net interest income.Insurers are led by renowned investor Warren Buffett in the US. $Berkshire Hathaway-A (BRK.A.US)$is a major player in the insurance industry. $Chubb Ltd (CB.US)$It has been revealed that they hold shares in Daiichi Life Insurance, with potential associated purchases. In addition, Bloomberg Intelligence (BI) estimates that domestic insurers' shareholder returns for this fiscal year will increase by 50% compared to the previous period.and the outlook is bullish. Where are the stocks that are still expected to rise? There is a daily volume of around 1 million shares, with coverage by securities analysts.and insurance stocks of major banks.30 major bank and insurance stocks.Regarding,deviation from the average target stock price,andoutlook,、dividends yield,etc were confirmed.

【Overview】
The deviation from the average stock price of analysts is the largest from the closing price on the 31st, and it is expected to have room for an increaseNo. $Rakuten Bank (5838.JP)$（at 18.9%）. $Seven Bank (8410.JP)$（13.7%）、 $T&D Holdings (8795.JP)$（9.1%）、 $Kyushu Financial Group (7180.JP)$（7.7%）、 $Japan Post Bank (7182.JP)$（5.0%.）continues.
★Year to date, $SBI Sumishin Net Bank (7163.JP)$ga93.3% has risen the most. $MS&AD Insurance Group Holdings (8725.JP)$are 77.5%、 $Chugin Financial Group (5832.JP)$and $North Pacific Bank (8524.JP)$are over 60%On the other hand, $TOMONY Holdings (8600.JP)$and $Japan Post Bank (7182.JP)$のThe year-to-date growth rate is less than 10%.So, $Seven Bank (8410.JP)$are negative year-to-date。
★ On the 31st,there was a high trading volume and active tradingIt was $Mitsubishi UFJ Financial Group (8306.JP)$、 $Resona Holdings (8308.JP)$、 $Mizuho Financial Group (8411.JP)$、 $Tokio Marine Holdings (8766.JP)$、 $Concordia Financial Group (7186.JP)$It was.
★The low PBR (price-to-book ratio) is below the liquidation value.The evaluation is $TOMONY Holdings (8600.JP)$ 'Triggered a negative chain reaction...'0.298 times、 $Hyakugo Bank (8368.JP)$are 0.353 times、 $Toho Bank (8346.JP)$are 0.409 timesOn the other hand, The PBR is high.That is, $SBI Sumishin Net Bank (7163.JP)$ 'Triggered a negative chain reaction...'2.974 times、 $Tokio Marine Holdings (8766.JP)$are 2.058 times、 $Rakuten Bank (5838.JP)$are 1.918 times。
★ According to Nikkei,the expected dividend yieldis the highest $MS&AD Insurance Group Holdings (8725.JP)$ 'Triggered a negative chain reaction...'4.41%、 $Seven Bank (8410.JP)$ga4.15%、 $Sumitomo Mitsui Trust Group (8309.JP)$Tomizuhu $Mizuho Financial Group (8411.JP)$are 3% in the second half。
(As of May 31)

What is expected to rise in the future?
◆ $Rakuten Bank (5838.JP)$
A major net bank. Utilizing the customer base of rakuten group. Rakuten trust is a subsidiary. The earnings forecast for this term, incorporating expenses related to the fintech reorganization project, such as 5 billion yen, was met with aversion, and the stock price has dropped significantly since mid-May. Domestic securities describe it as somewhat negative due to the slowdown in reorganization expenses and asset growth, but foreign securities, against the backdrop of customer referrals from Rakuten Group, state that the certainty of an increase in deposits is high.The impression is somewhat negative.But.There is a high likelihood that deposits will increase."" and evaluationsThe high balance growth continuesand has shown a view. From the closing price of 2867 yen on the 31st, it has a potential upward trend of 18.9% to the average target stock price of analysts (3407.5 yen).There is a potential for a 18.9% increase.。

◆ $Seven Bank (8410.JP)$
ATM fees from financial institutions are the pillar. In the fiscal year ending March 2025, the burden of depreciation will increase, but the fee income will remain solid. The expenses for adapting to the new banknotes will also ease. From the closing price on the 31st (264.9 yen), there is a potential upward trend of 13.7% to the average target stock price of analysts (301.25 yen).There is a potential for a 13.7% increase.。

◆ $T&D Holdings (8795.JP)$
Life insurance holding company. Dai-ichi Life, which is strong in SMEs, and Taiyo Life, which is a pillar for individuals, are at the core. According to Bloomberg Intelligence (BI) estimates, the share buyback for the fiscal year ending March 2025 is expected to increase by 5 billion yen from the previous year to 55 billion yen. Excluding business alliances and shares of partner companies, they plan to completely eliminate policy-held shares by the end of March 2031. The balance of policy-held shares as of the end of March 2024 is 241 billion yen (17% of net assets). Domestic securities see plenty of room for upside in the capital gains of their life insurance companies under their umbrella.There is ample room for upside.Analysts are looking at it. From the closing price on the 31st (2825.5 yen) to the average target stock price of analysts (3083.75 yen).9.1% upside potential from the closing price on the 31st (2825.5 yen) to the average analyst target stock price (3083.75 yen).。

◆ $Kyushu Financial Group (7180.JP)$
Subsidiaries include Higo Bank and Kagoshima Bank. Total assets rank eighth among regional banks. High financial soundness. Domestic securities evaluate it as a leading semiconductor subcontracting manufacturer. $Taiwan Semiconductor (TSM.US)$They expect that with the expansion of income, private consumption will gradually increase and inbound tourism from Asian countries such as South Korea, Taiwan, and China will also expand. They also predict that the nominal GDP of Kyushu will increase from 50.5 trillion yen in the 20th fiscal year to about 75 trillion yen in the 35th fiscal year. The average target stock price of analysts ranges from the closing price on the 31st (1044.5 yen) to 1125 yen.There is a 7.7% upside potential from the closing price on the 31st (1553 yen) to the average target stock price of analysts (1630 yen).。

◆ $Japan Post Bank (7182.JP)$
It has the largest amount of deposits and savings domestically. Domestic securities evaluate its profit and dividend plans for the consolidated performance for the fiscal year ending in March 2024 as exceeding expectations. Foreign securities view the bank's position as having a positive impact on policy interest rate hikes."Policy interest rate hikes will have a positive effect" according to analysts. There is a 4.9% upside potential from the closing price on the 31st (1044.5 yen) to the average target stock price (1093 yen).There is a 4.9% upside potential from the closing price on the 31st (1553 yen) to the average target stock price of analysts (1630 yen).There is a 5% upside potential.

What are the popular stocks?
◆ $Mitsubishi UFJ Financial Group (8306.JP)$
The largest private financial conglomerate domestically. Foreign securities companies list the following as major profit drivers: corporate banking for large enterprises, global CIB (integrated banking and securities business model), and domestic corporate and retail business. They evaluate it as having a high expected ROE within the sector and recommend a bullish stance due to continuous shareholder returns. The stock price is hitting new highs. From the closing price on the 31st (1,658 yen) to the average target stock price of analysts (1,726.67 yen).There is a 4.1% upside potential.。

◆ $Mizuho Financial Group (8411.JP)$
One of the three major megabanks. Foreign securities companies see the domestic corporate division and market division with growth in investment banking-related fees as profit drivers. They also have an opinion on this year's profit guidance.It was stronger than our expectations.The potential for an increase from the closing price on the 31st (3214 yen) to the average target stock price of analysts (3269.09 yen) is1.7%。

◆ $Sumitomo Mitsui Trust Group (8309.JP)$
Subsidiary is Sumitomo Mitsui Trust Bank. Leading trust property balance. Domestic securities firms evaluate it as "positive" by raising mid-term targets as expected and increasing dividends more than expected. Foreign securities firms also expect "smooth profit growth through the growth of fee-based business and improvement of stock-related profit and loss." The potential for an increase from the closing price on the 31st (3643 yen) to the average target stock price of analysts (3661.82 yen) is0.5%。

傘下に地銀首位級の横浜銀行と東日本銀行。中小と個人に強み。投資判断を「中立」とする外資証券は、業績ボラティリティの鎮静化、法人部門でのトップライン成長を期待するとした上で、「中立としている地方銀行の中では、相対的に強気で挑みたい」とコメント。国内証券も今期業績予想について、「予想を上回る利益・配当計画で好印象」としている。31日終値（944.5円）はアナリストの平均目標株価（853.75円）を上回っている。

傘下にりそな、埼玉りそな、関西みらい、みなとの４行。国内の銀行ビジネスが主力。資産に占める日銀当座預金の割合が大きく、貸出金に占める変動金利の割合が高い。外資証券は、Raising the policy interest rate is likely to push up performance.Indicates that stock prices tend to be influenced by the expectations of a policy interest rate revision by the Bank of Japan.The amount of share buyback is 'more than expected'.It is also evaluated that the pace of policy stock reduction is accelerating. The closing price on the 31st (1084 yen) exceeded the average target stock price of analysts (988.64 yen).