ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Fukuoka Financial Group, Inc. ?
1
Poor Management Efficiency with a low ROA of 0.10%
- The bank has been able to generate a Return on Assets (avg) of 0.10% signifying low profitability per unit of total assets
2
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
3
Poor long term growth as Net profit has grown by an annual rate of -8.20%
4
The company has declared Positive results for the last 6 consecutive quarters
- ROCE(HY) Highest at 0.28%
- CREDIT DEPOSIT RATIO(HY) Highest at 90.78%
- NET SALES(Q) At JPY 123,772 MM has Grown at 11.87%
5
With ROA of 0.18%, it has a very expensive valuation with a 1.26 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 79.00%, its profits have risen by 18% ; the PEG ratio of the company is 1
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
39.82%
Pledged Shares
0
Institutional Holding
0.01%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
18
Industry P/E
Price to Book Value
1.26
EV to EBIT
45.79
EV to EBITDA
39.91
EV to Capital Employed
1.07
EV to Sales
11.90
PEG Ratio
1.03
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
Mildly Bullish
Mildly Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
No Trend
Bullish
OBV
Mildly Bullish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend12What is working for the Company
ROCE(HY)
Highest at 0.28%
CREDIT DEPOSIT RATIO(HY)
Highest at 90.78%
NET SALES(Q)
At JPY 123,772 MM has Grown at 11.87%
OPERATING PROFIT(Q)
Highest at JPY 37,409 MM
PRE-TAX PROFIT(Q)
Highest at JPY 41,610 MM
NET PROFIT(Q)
Highest at JPY 28,726.32 MM
EPS(Q)
Highest at JPY 151.92
-6What is not working for the Company
INTEREST(9M)
At JPY 149,035 MM has Grown at 37.52%
ROCE(HY)
Lowest at 0.28%
Here's what is working for Fukuoka Financial Group, Inc.
Net Sales
At JPY 123,772 MM has Grown at 11.87%
over average net sales of the previous four periods of JPY 110,638.5 MMMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Operating Profit
Highest at JPY 37,409 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (JPY MM)
Pre-Tax Profit
Highest at JPY 41,610 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 28,726.32 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (JPY MM)
EPS
Highest at JPY 151.92
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (JPY)
Credit Deposit Ratio
Highest at 90.78%
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 (%)
Depreciation
Highest at JPY 3,682 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (JPY MM)
Here's what is not working for Fukuoka Financial Group, Inc.
Interest
At JPY 149,035 MM has Grown at 37.52%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (JPY MM)
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