ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Chugin Financial Group, Inc. ?
1
Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0%
2
With a growth in Interest of 8.26%, the company declared Very Positive results in Dec 25
- ROCE(HY) Highest at 0.34%
- NII(Q) Highest at JPY 26,283 MM
- NET SALES(Q) Highest at JPY 45,749 MM
3
With ROA of 0.22%, it has a very attractive valuation with a 0.61 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 62.47%, its profits have risen by 28% ; the PEG ratio of the company is 0.4
- At the current price, the company has a high dividend yield of 0
4
Market Beating performance in long term as well as near term
- Along with generating 62.47% 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 buy?
- Overall Portfolio exposure to Chugin Financial Group, Inc. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Chugin Financial Group, Inc. for you?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
Chugin Financial Group, Inc.
62.47%
1.95
37.36%
Japan Nikkei 225
36.73%
1.30
28.24%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
14.40%
EBIT Growth (5y)
24.98%
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
40.62%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
12
Industry P/E
Price to Book Value
0.61
EV to EBIT
34.81
EV to EBITDA
30.14
EV to Capital Employed
0.82
EV to Sales
6.36
PEG Ratio
0.42
Dividend Yield
0.03%
ROCE (Latest)
2.35%
ROE (Latest)
5.06%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Dow Theory
Mildly Bearish
Bullish
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend17What is working for the Company
ROCE(HY)
Highest at 0.34%
NII(Q)
Highest at JPY 26,283 MM
NET SALES(Q)
Highest at JPY 45,749 MM
OPERATING PROFIT(Q)
Highest at JPY 13,405 MM
PRE-TAX PROFIT(Q)
Highest at JPY 20,279 MM
NET PROFIT(Q)
Highest at JPY 14,209 MM
EPS(Q)
Highest at JPY 79.79
-2What is not working for the Company
ROCE(HY)
Lowest at 0.34%
Here's what is working for Chugin Financial Group, Inc.
NII
Highest at JPY 26,283 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (JPY MM)
Net Sales
Highest at JPY 45,749 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Net Sales
At JPY 45,749 MM has Grown at 15.84%
over average net sales of the previous four periods of JPY 39,492.25 MMMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Operating Profit
Highest at JPY 13,405 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (JPY MM)
Pre-Tax Profit
Highest at JPY 20,279 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (JPY MM)
Pre-Tax Profit
At JPY 20,279 MM has Grown at 91.38%
over average net sales of the previous four periods of JPY 10,596 MMMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (JPY MM)
Net Profit
Highest at JPY 14,209 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (JPY MM)
Net Profit
At JPY 14,209 MM has Grown at 87.94%
over average net sales of the previous four periods of JPY 7,560.57 MMMOJO Watch
Near term Net Profit trend is positive
Net Profit (JPY MM)
EPS
Highest at JPY 79.79
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (JPY)
Depreciation
Highest at JPY 1,430 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (JPY MM)
CASA
Highest at 12.78%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for Chugin Financial Group, Inc.
Non Operating Income
Highest at JPY 0.34 MM
in the last five periodsMOJO Watch
Increased income from non business activities may not be sustainable
Non Operating income
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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