ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Fukuoka Financial Group, Inc. ?
1
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 11.37% signifying inadequate buffers against its risk based assets
- Poor long term growth as Net profit has grown by an annual rate of -8.20%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 11.37% signifying inadequate buffers against its risk based assets
- The bank has been able to generate a Return on Assets (avg) of 0.10% signifying low profitability per unit of total assets
2
Poor long term growth as Net profit has grown by an annual rate of -8.20%
3
With a growth in Interest of NAN%, the company declared Very Positive results in Mar 26
- The company has declared positive results for the last 5 consecutive quarters
- ROCE(HY) Highest at 0.26%
- DIVIDEND PER SHARE(HY) Highest at JPY 0
- NET SALES(Q) Highest at JPY 127,671 MM
4
With ROA of 0.18%, it has a very attractive valuation with a 1.15 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 82.03%, its profits have risen by 18% ; the PEG ratio of the company is 0.9
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Fukuoka Financial Group, Inc. should be less than 10%
- Overall Portfolio exposure to Major Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
No Data Found
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
12.20%
EBIT Growth (5y)
87.54%
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
35.38%
Pledged Shares
0
Institutional Holding
0.01%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
17
Industry P/E
Price to Book Value
1.15
EV to EBIT
44.59
EV to EBITDA
38.87
EV to Capital Employed
1.04
EV to Sales
11.59
PEG Ratio
0.94
Dividend Yield
NA
ROCE (Latest)
2.33%
ROE (Latest)
6.86%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
No Trend
Mildly Bullish
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend16What is working for the Company
ROCE(HY)
Highest at 0.26%
DIVIDEND PER SHARE(HY)
Highest at JPY 0
NET SALES(Q)
Highest at JPY 127,671 MM
NII(Q)
Highest at JPY 79,013 MM
DIVIDEND PAYOUT RATIO(Y)
Highest at 119.03%
CREDIT DEPOSIT RATIO(HY)
Highest at 92.87%
-10What is not working for the Company
INTEREST(9M)
At JPY 140,028 MM has Grown at 41.42%
ROCE(HY)
Lowest at 0.26%
OPERATING PROFIT(Q)
Lowest at JPY -31,193 MM
OPERATING PROFIT MARGIN(Q)
Lowest at -24.43 %
PRE-TAX PROFIT(Q)
At JPY 20,154 MM has Fallen at -30.83%
Here's what is working for Fukuoka Financial Group, Inc.
Net Sales
Highest at JPY 127,671 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (JPY MM)
Net Sales
At JPY 127,671 MM has Grown at 25.49%
over average net sales of the previous four periods of JPY 101,737 MMMOJO Watch
Near term sales trend is very positive
Net Sales (JPY MM)
NII
Highest at JPY 79,013 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (JPY MM)
Dividend per share
Highest at JPY 0 and Grown
In each year in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (JPY)
Credit Deposit Ratio
Highest at 92.87%
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 (%)
Dividend Payout Ratio
Highest at 119.03%
in the last five yearsMOJO Watch
Company is distributing higher proportion of profits generated as dividend
DPR (%)
Here's what is not working for Fukuoka Financial Group, Inc.
Interest
At JPY 140,028 MM has Grown at 41.42%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (JPY MM)
Operating Profit
Lowest at JPY -31,193 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (JPY MM)
Operating Profit Margin
Lowest at -24.43 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Pre-Tax Profit
At JPY 20,154 MM has Fallen at -30.83%
over average net sales of the previous four periods of JPY 29,135.25 MMMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (JPY MM)
Non Operating Income
Highest at JPY 2.56 MM
in the last five periodsMOJO Watch
Increased income from non business activities may not be sustainable
Non Operating income
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