ScoreWhy is Bank of Innovation, Inc. ?
1
Strong Long Term Fundamental Strength with an average Return on Equity (ROE) of 21.41%
- Healthy long term growth as Net Sales has grown by an annual rate of 35.94% and Operating profit at 52.49%
- Company has very low debt and has enough cash to service the debt requirements
2
Flat results in Jun 26
- RAW MATERIAL COST(Y) Grown by 10.1% (YoY)
- OPERATING PROFIT(Q) Lowest at JPY 407 MM
- OPERATING PROFIT MARGIN(Q) Lowest at 13.95 %
3
With ROE of 25.63%, it has a very attractive valuation with a 2.93 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 -33.26%, its profits have risen by 209.1% ; the PEG ratio of the company is 0.1
4
Underperformed the market in the last 1 year
- Even though the market (Japan Nikkei 225) has generated returns of 43.52% in the last 1 year, the stock has hugely underperformed and has generate negative returns of -33.26% returns
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Bank of Innovation, Inc. should be less than 10%
- Overall Portfolio exposure to Software Products should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Software Products)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Bank of Innovation, Inc. for you?
Medium Risk, Low Return
Absolute
Risk Adjusted
Volatility
Bank of Innovation, Inc.
-33.26%
0.58
47.98%
Japan Nikkei 225
43.52%
1.48
29.43%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
35.94%
EBIT Growth (5y)
52.49%
EBIT to Interest (avg)
100.00
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
-0.81
Sales to Capital Employed (avg)
2.61
Tax Ratio
26.47%
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
230.68%
ROE (avg)
21.41%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
11
Industry P/E
Price to Book Value
2.93
EV to EBIT
6.01
EV to EBITDA
5.96
EV to Capital Employed
14.21
EV to Sales
1.15
PEG Ratio
0.05
Dividend Yield
NA
ROCE (Latest)
236.67%
ROE (Latest)
25.63%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Bearish
RSI
No Signal
Bullish
Bollinger Bands
Bullish
Mildly Bearish
Moving Averages
Mildly Bearish (Daily)
KST
Bullish
Bearish
Dow Theory
Mildly Bearish
No Trend
OBV
Mildly Bullish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend7What is working for the Company
NET PROFIT(HY)
At JPY 690 MM has Grown at 121.15%
ROCE(HY)
Highest at 24.88%
CASH AND EQV(HY)
Highest at JPY 11,145 MM
DEBTORS TURNOVER RATIO(HY)
Highest at 8.14 times
-10What is not working for the Company
RAW MATERIAL COST(Y)
Grown by 10.1% (YoY
OPERATING PROFIT(Q)
Lowest at JPY 407 MM
OPERATING PROFIT MARGIN(Q)
Lowest at 13.95 %
PRE-TAX PROFIT(Q)
Lowest at JPY 408 MM
NET PROFIT(Q)
Lowest at JPY 181 MM
EPS(Q)
Lowest at JPY 45.54
Here's what is working for Bank of Innovation, Inc.
Cash and Eqv
Highest at JPY 11,145 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Debtors Turnover Ratio
Highest at 8.14 times
in the last five Semi-Annual periodsMOJO Watch
Company has been able to sell its Debtors faster
Debtors Turnover Ratio
Depreciation
Highest at JPY 7 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (JPY MM)
Here's what is not working for Bank of Innovation, Inc.
Net Profit
At JPY 181 MM has Fallen at -57.49%
over average net sales of the previous four periods of JPY 425.75 MMMOJO Watch
Near term Net Profit trend is very negative
Net Profit (JPY MM)
Operating Profit
Lowest at JPY 407 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (JPY MM)
Operating Profit Margin
Lowest at 13.95 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Pre-Tax Profit
Lowest at JPY 408 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (JPY MM)
Pre-Tax Profit
At JPY 408 MM has Fallen at -29.53%
over average net sales of the previous four periods of JPY 579 MMMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (JPY MM)
Net Profit
Lowest at JPY 181 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is negative
Net Profit (JPY MM)
EPS
Lowest at JPY 45.54
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (JPY)
Raw Material Cost
Grown by 10.1% (YoY)
MOJO Watch
The company's ability to pass on the cost of raw materials to customers has deteriorated; this may lead to a fall in profit margin
Raw Material Cost as a percentage of Sales
Non Operating Income
Highest at JPY 0.02 MM
in the last five periodsMOJO Watch
Increased income from non business activities may not be sustainable
Non Operating income
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