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 Chiba Bank, Ltd.

Daishi Hokuetsu Financial Group, Inc.

Fukuoka Financial Group, Inc.

Aichi Financial Group, Inc.

The 77 Bank, Ltd.

Kyushu Financial Group, Inc.

Mebuki Financial Group, Inc.

The Hyakugo Bank, Ltd.

The Shiga Bank, Ltd.

Tokyo Kiraboshi Financial Group, Inc.

Seven Bank Ltd.

Why is Aichi Financial Group, Inc. ?

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 Outstanding results in Dec 25

ROCE(HY) Highest at 0.25%
NII(Q) Highest at JPY 14,500 MM
CREDIT DEPOSIT RATIO(HY) Highest at 83%

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 191.41%, its profits have risen by 12% ; the PEG ratio of the company is 1.5

Market Beating performance in long term as well as near term

Along with generating 191.41% 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 Report

Verdict Report

How much should you buy?

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.

191.41%

-0.51

89.11%

Japan Nikkei 225

70.84%

2.78

25.51%

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

Bullish

RSI

No Signal

Bearish

Bollinger Bands

Bullish

Moving Averages

Bullish (Daily)

KST

Bullish

Dow Theory

Mildly Bearish

Bullish

OBV

Mildly Bearish

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

26What is working for the Company

ROCE(HY)

Highest at 0.25%

NII(Q)

Highest at JPY 14,500 MM

CREDIT DEPOSIT RATIO(HY)

Highest at 83%

NET SALES(Q)

Highest at JPY 19,652 MM

PRE-TAX PROFIT(Q)

Highest at JPY 10,871 MM

NET PROFIT(Q)

Highest at JPY 8,173 MM

EPS(Q)

Highest at JPY 166.9

-6What is not working for the Company

INTEREST(9M)

At JPY 15,059 MM has Grown at 214.71%

ROCE(HY)

Lowest at 0.25%

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

Pre-Tax Profit

At JPY 10,871 MM has Grown at 147.91%

Year on Year (YoY)

MOJO Watch

Near term Pre-Tax Profit trend is very positive

Pre-Tax Profit (JPY MM)

Net Profit

At JPY 8,173 MM has Grown at 171.89%

Year on Year (YoY)

MOJO Watch

Near term Net Profit trend is very positive

Net Profit (JPY MM)

NII

Highest at JPY 14,500 MM

in the last five periods

MOJO Watch

The bank's income from core business is increasing

NII (JPY MM)

Net Sales

Highest at JPY 19,652 MM

in the last five periods

MOJO Watch

Near term sales trend is positive

Net Sales (JPY MM)

Net Sales

At JPY 19,652 MM has Grown at 30.26%

Year on Year (YoY)

MOJO Watch

Near term sales trend is positive

Net Sales (JPY MM)

Pre-Tax Profit

Highest at JPY 10,871 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (JPY MM)

Net Profit

Highest at JPY 8,173 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (JPY MM)

EPS

Highest at JPY 166.9

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (JPY)

Credit Deposit Ratio

Highest at 83%

in the last four Semi-Annual periods

MOJO 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 15,059 MM has Grown at 214.71%

over previous Semi-Annual period

MOJO Watch

Rising interest cost signifies increased borrowings

Interest Paid (JPY MM)