ScoreWhy is FIDEA Holdings Co., Ltd. ?
1
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 9.38% 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 15.90%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 9.38% signifying inadequate buffers against its risk based assets
- The bank has been able to generate a Return on Assets (avg) of 0.07% signifying low profitability per unit of total assets
2
Positive results in Dec 25
- NET SALES(HY) At JPY 17,853 MM has Grown at 24.22%
- ROCE(HY) Highest at 0.1%
- NET PROFIT(9M) Higher at JPY 3,377.53 MM
3
With ROA of 0.10%, it has a very attractive valuation with a 0.34 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 20.35%, its profits have risen by 139% ; the PEG ratio of the company is 0.1
4
Underperformed the market in the last 1 year
- The stock has generated a return of 20.35% in the last 1 year, much lower than market (Japan Nikkei 225) returns of 36.73%
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to FIDEA Holdings Co., 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 FIDEA Holdings Co., Ltd. for you?
Low Risk, Low Return
Absolute
Risk Adjusted
Volatility
FIDEA Holdings Co., Ltd.
-100.0%
0.60
30.03%
Japan Nikkei 225
38.94%
1.30
28.24%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
1.10%
EBIT Growth (5y)
179.89%
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
48.01%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
9
Industry P/E
Price to Book Value
0.34
EV to EBIT
-103.88
EV to EBITDA
-103.88
EV to Capital Employed
1.28
EV to Sales
-7.38
PEG Ratio
0.07
Dividend Yield
NA
ROCE (Latest)
-1.23%
ROE (Latest)
3.65%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend11What is working for the Company
NET SALES(HY)
At JPY 17,853 MM has Grown at 24.22%
ROCE(HY)
Highest at 0.1%
NET PROFIT(9M)
Higher at JPY 3,377.53 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 70.53%
OPERATING PROFIT(Q)
Highest at JPY 1,240 MM
OPERATING PROFIT MARGIN(Q)
Highest at 13.86 %
PRE-TAX PROFIT(Q)
At JPY 1,895 MM has Grown at 66.34%
-6What is not working for the Company
INTEREST(9M)
At JPY 4,428 MM has Grown at 141.05%
ROCE(HY)
Lowest at 0.1%
Here's what is working for FIDEA Holdings Co., Ltd.
Net Sales
At JPY 17,853 MM has Grown at 24.22%
Year on Year (YoY)MOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Operating Profit
Highest at JPY 1,240 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (JPY MM)
Operating Profit Margin
Highest at 13.86 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
At JPY 1,895 MM has Grown at 66.34%
over average net sales of the previous four periods of JPY 1,139.25 MMMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (JPY MM)
Credit Deposit Ratio
Highest at 70.53%
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 (%)
Net Profit
Higher at JPY 3,377.53 MM
than preceding 12 month period ended Dec 2025MOJO 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 FIDEA Holdings Co., Ltd.
Interest
At JPY 4,428 MM has Grown at 141.05%
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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