ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Aichi Financial Group, Inc. ?
1
Low Profitability with a Net Interest Margin of 1,640.82%
- Low Margins signify the bank has not been able to generate adequate profits from its interest bearing assets
2
Weak Long Term Fundamental Strength with an average Return on Assets (ROA) of 0.05%
- Low Margins signify the bank has not been able to generate adequate profits from its interest bearing assets
3
Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 399.90%
4
Positive results in Jun 25
- CREDIT DEPOSIT RATIO(HY) Highest at 81.36%
- NET SALES(Q) Highest at JPY 17,820 MM
5
With ROA of 0.14%, it has a very attractive valuation with a 0.35 Price to Book Value
- The stock is trading at a premium compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 120.40%, its profits have risen by 12% ; the PEG ratio of the company is 1.1
6
Market Beating performance in long term as well as near term
- Along with generating 120.40% returns in the last 1 year, the stock has outperformed Japan Nikkei 225 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Aichi Financial Group, Inc. should be less than 10%
- Overall Portfolio exposure to Major Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Aichi Financial Group, Inc. for you?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
Aichi Financial Group, Inc.
120.4%
3.61
32.24%
Japan Nikkei 225
38.59%
1.45
26.59%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
1,385.40%
EBIT Growth (5y)
550.43%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
59.32%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
13
Industry P/E
Price to Book Value
0.35
EV to EBIT
51.85
EV to EBITDA
-38.68
EV to Capital Employed
-0.55
EV to Sales
-1.39
PEG Ratio
1.07
Dividend Yield
NA
ROCE (Latest)
Negative Capital Employed
ROE (Latest)
2.70%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
Bearish
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Dow Theory
Bullish
Bullish
OBV
Bullish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend3What is working for the Company
CREDIT DEPOSIT RATIO(HY)
Highest at 81.36%
NET SALES(Q)
Highest at JPY 17,820 MM
-7What is not working for the Company
INTEREST(9M)
At JPY 10,001 MM has Grown at 250.79%
NET PROFIT(HY)
At JPY 3,217 MM has Grown at -43.78%
Here's what is working for Aichi Financial Group, Inc.
Net Sales
Highest at JPY 17,820 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Net Sales
At JPY 17,820 MM has Grown at 18.57%
Year on Year (YoY)MOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Credit Deposit Ratio
Highest at 81.36%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Here's what is not working for Aichi Financial Group, Inc.
Interest
At JPY 10,001 MM has Grown at 250.79%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (JPY MM)
Net Profit
At JPY 3,217 MM has Grown at -43.78%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is very negative
Net Profit (JPY MM)
Capital Adequacy Ratio
Lowest at 8.76%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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