Aichi Financial Group, Inc. () Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

The Hyakugo Bank, Ltd.

The Chiba Bank, Ltd.

Mebuki Financial Group, Inc.

Seven Bank Ltd.

Daishi Hokuetsu Financial Group, Inc.

Aichi Financial Group, Inc.

The Shiga Bank, Ltd.

The 77 Bank, Ltd.

Tokyo Kiraboshi Financial Group, Inc.

Fukuoka Financial Group, Inc.

Kyushu Financial Group, Inc.

Why is Aichi Financial Group, Inc. ?

Low Profitability with a Net Interest Margin of 1,640.45%

Low Margins signify the bank has not been able to generate adequate profits from its interest bearing assets

Weak Long Term Fundamental Strength with an average Return on Assets (ROA) of 0.04%

Low Margins signify the bank has not been able to generate adequate profits from its interest bearing assets

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%

With a growth in Interest of NAN%, the company declared Very Positive results in Mar 26

The company has declared positive results for the last 3 consecutive quarters
NET PROFIT(Q) At JPY 4,237.85 MM has Grown at 823.18%
ROCE(HY) Highest at 0.31%
PRE-TAX PROFIT(Q) At JPY 5,710 MM has Grown at 236.31%

With ROA of 0.25%, it has a attractive valuation with a 0.75 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 168.85%, its profits have risen by 12% ; the PEG ratio of the company is 1.5

Real-Time Research Report

Verdict Report

How 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?

High Risk, Low Return

Absolute

Risk Adjusted

Volatility

Aichi Financial Group, Inc.

174.72%

-0.56

89.78%

Japan Nikkei 225

88.41%

3.25

27.24%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

1,385.40%

EBIT Growth (5y)

652.52%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

59.32%

Pledged Shares

Institutional Holding

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

0.75

EV to EBIT

48.45

EV to EBITDA

24.34

EV to Capital Employed

0.61

EV to Sales

2.35

PEG Ratio

1.48

Dividend Yield

ROCE (Latest)

1.26%

ROE (Latest)

4.18%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bollinger Bands

Bullish

Moving Averages

Mildly Bullish (Daily)

KST

Mildly Bearish

Bullish

Dow Theory

No Trend

Mildly Bearish

OBV

No Trend

Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

21What is working for the Company

NET PROFIT(Q)

At JPY 4,237.85 MM has Grown at 823.18%

ROCE(HY)

Highest at 0.31%

PRE-TAX PROFIT(Q)

At JPY 5,710 MM has Grown at 236.31%

NET SALES(Q)

At JPY 18,950 MM has Grown at 28.57%

-6What is not working for the Company

INTEREST(9M)

At JPY 16,501 MM has Grown at 141.03%

ROCE(HY)

Lowest at 0.31%

Here's what is working for Aichi Financial Group, Inc.

Net Profit

At JPY 4,237.85 MM has Grown at 823.18%

Year on Year (YoY)

MOJO Watch

Near term Net Profit trend is very positive

Net Profit (JPY MM)

Pre-Tax Profit

At JPY 5,710 MM has Grown at 236.31%

Year on Year (YoY)

MOJO Watch

Near term Pre-Tax Profit trend is very positive

Pre-Tax Profit (JPY MM)

Net Sales

At JPY 18,950 MM has Grown at 28.57%

Year on Year (YoY)

MOJO Watch

Near term sales trend is positive

Net Sales (JPY MM)

Here's what is not working for Aichi Financial Group, Inc.

Interest

At JPY 16,501 MM has Grown at 141.03%

over previous Semi-Annual period

MOJO Watch

Rising interest cost signifies increased borrowings

Interest Paid (JPY MM)

Non Operating Income

Highest at JPY 0.9 MM

in the last five periods

MOJO Watch

Increased income from non business activities may not be sustainable

Non Operating income