Concordia Financial Group, Ltd. (7186) 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

Hirogin Holdings, Inc.

Rakuten Bank Ltd.

Shizuoka Financial Group, Inc.

Nishi-Nippon Financial Holdings, Inc.

Gunma Bank, Ltd.

Iyogin Holdings, Inc.

Japan Post Bank Co., Ltd.

Concordia Financial Group, Ltd.

Yamaguchi Financial Group, Inc.

Resona Holdings, Inc.

The Hachijuni Bank, Ltd.

Why is Concordia Financial Group, Ltd. ?

Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 13.66% signifying inadequate buffers against its risk based assets

Poor long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 12.20%
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 13.66% signifying inadequate buffers against its risk based assets
The bank has been able to generate a Return on Assets (avg) of 0.14% signifying low profitability per unit of total assets
ROCE(HY) Highest at 0.42%
NII(Q) Highest at JPY 73,343 MM
DIVIDEND PER SHARE(HY) Highest at JPY 0

With ROA of 0.32%, it has a very attractive valuation with a 1.19 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 90.05%, its profits have risen by 24% ; the PEG ratio of the company is 0.8

Consistent Returns over the last 3 years

Along with generating 90.05% returns in the last 1 year, the stock has outperformed Japan Nikkei 225 in each of the last 3 annual periods

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to Concordia Financial Group, Ltd. 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 Concordia Financial Group, Ltd. for you?

Low Risk, Medium Return

Absolute

Risk Adjusted

Volatility

Concordia Financial Group, Ltd.

90.05%

2.80

33.39%

Japan Nikkei 225

88.41%

3.12

27.27%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

9.70%

EBIT Growth (5y)

12.49%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

40.48%

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

1.19

EV to EBIT

4.90

EV to EBITDA

4.39

EV to Capital Employed

1.91

EV to Sales

1.98

PEG Ratio

0.80

Dividend Yield

ROCE (Latest)

38.91%

ROE (Latest)

5.95%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

RSI

No Signal

Bollinger Bands

Bullish

Moving Averages

Bullish (Daily)

KST

Bullish

Dow Theory

No Trend

Bullish

OBV

No Trend

Mildly 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

11What is working for the Company

ROCE(HY)

Highest at 0.42%

NII(Q)

Highest at JPY 73,343 MM

DIVIDEND PER SHARE(HY)

Highest at JPY 0

NET SALES(Q)

Highest at JPY 99,325 MM

-7What is not working for the Company

INTEREST(9M)

At JPY 72,988 MM has Grown at 44.51%

ROCE(HY)

Lowest at 0.42%

OPERATING PROFIT MARGIN(Q)

Lowest at 37.63 %

Here's what is working for Concordia Financial Group, Ltd.

NII

Highest at JPY 73,343 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 99,325 MM

in the last five periods

MOJO Watch

Near term sales trend is positive

Net Sales (JPY MM)

Net Sales

At JPY 99,325 MM has Grown at 18.96%

over average net sales of the previous four periods of JPY 83,493 MM

MOJO Watch

Near term sales trend is positive

Net Sales (JPY MM)

Dividend per share

Highest at JPY 0

in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (JPY)

Depreciation

Highest at JPY 4,543 MM

in the last five periods

MOJO Watch

The expenditure on assets done by the company may have gone into operation

Depreciation (JPY MM)

Here's what is not working for Concordia Financial Group, Ltd.

Interest

At JPY 72,988 MM has Grown at 44.51%

over previous Semi-Annual period

MOJO Watch

Rising interest cost signifies increased borrowings

Interest Paid (JPY MM)

Operating Profit Margin

Lowest at 37.63 %

in the last five periods

MOJO Watch

Company's profit margin has deteriorated

Operating Profit to Sales