ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Chugin Financial Group, Inc. ?
1
Strong Long Term Fundamental Strength with a 0% CAGR growth in Net Interet Income
2
Positive results in Jun 26
- ROCE(HY) Highest at 0.39%
- NII(Q) Highest at JPY 30,343 MM
- NET PROFIT(9M) Higher at JPY 36,223.23 MM
3
With ROA of 0.21%, it has a very attractive valuation with a 0.93 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 68.09%, its profits have risen by 45% ; the PEG ratio of the company is 0.3
- At the current price, the company has a high dividend yield of 0
4
Consistent Returns over the last 3 years
- Along with generating 68.09% returns in the last 1 year, the stock has outperformed Japan Nikkei 225 in each of the last 3 annual periods
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.
68.09%
3.20
33.52%
Japan Nikkei 225
59.79%
2.06
29.57%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
21.00%
EBIT Growth (5y)
23.58%
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
40.37%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
15
Industry P/E
Price to Book Value
0.93
EV to EBIT
44.56
EV to EBITDA
38.30
EV to Capital Employed
0.97
EV to Sales
8.55
PEG Ratio
0.32
Dividend Yield
NA
ROCE (Latest)
2.18%
ROE (Latest)
6.40%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
No Trend
No Trend
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend13What is working for the Company
ROCE(HY)
Highest at 0.39%
NII(Q)
Highest at JPY 30,343 MM
NET PROFIT(9M)
Higher at JPY 36,223.23 MM
NET SALES(Q)
Highest at JPY 50,265 MM
-5What is not working for the Company
ROCE(HY)
Lowest at 0.39%
CASH AND EQV(HY)
Lowest at JPY 2,019,114 MM
OPERATING PROFIT(Q)
Lowest at JPY 2,526 MM
OPERATING PROFIT MARGIN(Q)
Lowest at 5.03 %
Here's what is working for Chugin Financial Group, Inc.
NII
Highest at JPY 30,343 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (JPY MM)
Net Profit
At JPY 36,223.23 MM has Grown at 59.14%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (JPY MM)
Net Sales
Highest at JPY 50,265 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Net Sales
At JPY 50,265 MM has Grown at 18.3%
over average net sales of the previous four periods of JPY 42,490.75 MMMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Net Profit
Higher at JPY 36,223.23 MM
than preceding 12 month period ended Jun 2026MOJO Watch
In the nine month period the company has already crossed sales of the previous twelve months
Net Profit (JPY MM)
Here's what is not working for Chugin Financial Group, Inc.
Operating Profit
Lowest at JPY 2,526 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (JPY MM)
Operating Profit Margin
Lowest at 5.03 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Cash and Eqv
Lowest at JPY 2,019,114 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
Non Operating Income
Highest at JPY 0.88 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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