ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Concordia Financial Group, Ltd. ?
1
Positive results in Jun 25
- ROCE(HY) Highest at 0.35%
- CREDIT DEPOSIT RATIO(HY) Highest at 83.55%
- NET SALES(Q) Highest at JPY 79,445 MM
2
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 38.68%, its profits have risen by 24% ; the PEG ratio of the company is 0.5
3
Consistent Returns over the last 3 years
- Along with generating 38.68% 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 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.
38.68%
0.99
36.83%
Japan Nikkei 225
28.54%
1.11
25.75%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
9.70%
EBIT Growth (5y)
12.24%
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
40.48%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
13
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
NA
ROCE (Latest)
-13.19%
ROE (Latest)
6.43%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Bullish
Bullish
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 0.35%
CREDIT DEPOSIT RATIO(HY)
Highest at 83.55%
NET SALES(Q)
Highest at JPY 79,445 MM
OPERATING PROFIT(Q)
Highest at JPY 37,205 MM
PRE-TAX PROFIT(Q)
Highest at JPY 38,110 MM
NET PROFIT(Q)
Highest at JPY 27,036 MM
EPS(Q)
Highest at JPY 23.68
-6What is not working for the Company
INTEREST(9M)
At JPY 57,331 MM has Grown at 33.12%
ROCE(HY)
Lowest at 0.35%
Here's what is working for Concordia Financial Group, Ltd.
Net Sales
Highest at JPY 79,445 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Net Sales
At JPY 79,445 MM has Grown at 15.89%
over average net sales of the previous four periods of JPY 68,549.25 MMMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Operating Profit
Highest at JPY 37,205 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (JPY MM)
Pre-Tax Profit
Highest at JPY 38,110 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (JPY MM)
Net Profit
Highest at JPY 27,036 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (JPY MM)
EPS
Highest at JPY 23.68
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (JPY)
Credit Deposit Ratio
Highest at 83.55%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
CASA
Highest at 15.65%
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 Concordia Financial Group, Ltd.
Interest
At JPY 57,331 MM has Grown at 33.12%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (JPY MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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