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

Nishi-Nippon Financial Holdings, Inc.

Gunma Bank, Ltd.

Rakuten Bank Ltd.

The Hachijuni Bank, Ltd.

Hirogin Holdings, Inc.

Iyogin Holdings, Inc.

Concordia Financial Group, Ltd.

Shizuoka Financial Group, Inc.

Resona Holdings, Inc.

Yamaguchi Financial Group, Inc.

Japan Post Bank Co., Ltd.

Why is Concordia Financial Group, Ltd. ?

Positive results in Dec 25

NET SALES(HY) At JPY 176,367 MM has Grown at 32.09%
ROCE(HY) Highest at 0.42%
PRE-TAX PROFIT(Q) Highest at JPY 43,495 MM

With ROA of 0.33%, it has a very attractive valuation with a 0.84 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 44.51%, its profits have risen by 24% ; the PEG ratio of the company is 0.5

Real-Time Research Report

Verdict Report

How much should you buy?

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?

Medium Risk, Medium Return

Absolute

Risk Adjusted

Volatility

Concordia Financial Group, Ltd.

44.51%

1.33

39.45%

Japan Nikkei 225

45.07%

1.63

27.61%

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)

12.24%

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

0.84

EV to EBIT

-9.49

EV to EBITDA

-8.50

EV to Capital Employed

1.25

EV to Sales

-3.80

PEG Ratio

0.53

Dividend Yield

ROCE (Latest)

-13.19%

ROE (Latest)

6.43%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bollinger Bands

Mildly Bullish

Moving Averages

Mildly Bullish (Daily)

KST

Bullish

Dow Theory

Mildly Bearish

No Trend

OBV

No Trend

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

14What is working for the Company

NET SALES(HY)

At JPY 176,367 MM has Grown at 32.09%

ROCE(HY)

Highest at 0.42%

PRE-TAX PROFIT(Q)

Highest at JPY 43,495 MM

NET PROFIT(Q)

Highest at JPY 30,008.56 MM

CREDIT DEPOSIT RATIO(HY)

Highest at 85.33%

OPERATING PROFIT MARGIN(Q)

Highest at 47.59 %

EPS(Q)

Highest at JPY 26.48

-6What is not working for the Company

INTEREST(9M)

At JPY 68,892 MM has Grown at 41.44%

ROCE(HY)

Lowest at 0.42%

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

Pre-Tax Profit

Highest at JPY 43,495 MM and Grown

In each period in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is very positive

Pre-Tax Profit (JPY MM)

Net Profit

Highest at JPY 30,008.56 MM and Grown

In each period in the last five periods

MOJO Watch

Near term Net Profit trend is very positive

Net Profit (JPY MM)

Net Sales

At JPY 176,367 MM has Grown at 32.09%

Year on Year (YoY)

MOJO Watch

Near term sales trend is positive

Net Sales (JPY MM)

Operating Profit Margin

Highest at 47.59 %

in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

EPS

Highest at JPY 26.48

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (JPY)

Credit Deposit Ratio

Highest at 85.33%

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 (%)

Depreciation

Highest at JPY 3,717 MM

in the last five periods

MOJO Watch

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

Depreciation (JPY MM)

CASA

Highest at 16.13%

in the last five periods

MOJO 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 Concordia Financial Group, Ltd.

Interest

At JPY 68,892 MM has Grown at 41.44%

over previous Semi-Annual period

MOJO Watch

Rising interest cost signifies increased borrowings

Interest Paid (JPY MM)

Non Operating Income

Highest at JPY 0.05 MM

in the last five periods

MOJO Watch

Increased income from non business activities may not be sustainable

Non Operating income