ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Hirogin Holdings, Inc. ?
1
Poor Management Efficiency with a low ROA of 0.12%
- The bank has been able to generate a Return on Assets (avg) of 0.12% signifying low profitability per unit of total assets
2
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 10.97% signifying inadequate buffers against its risk based assets
- Poor long term growth as Net profit has grown by an annual rate of 8.10%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 10.97% signifying inadequate buffers against its risk based assets
- The bank has been able to generate a Return on Assets (avg) of 0.12% signifying low profitability per unit of total assets
3
Poor long term growth as Net profit has grown by an annual rate of 8.10%
4
Positive results in Jun 26
- NII(Q) Highest at JPY 29,472 MM
- ROCE(HY) Highest at 0.38%
- NET SALES(Q) Highest at JPY 43,894 MM
5
With ROA of 0.26%, 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 68.31%, its profits have risen by 29% ; the PEG ratio of the company is 0.6
- At the current price, the company has a high dividend yield of 0
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Hirogin Holdings, Inc. 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 Hirogin Holdings, Inc. for you?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
Hirogin Holdings, Inc.
68.31%
3.01
28.03%
Japan Nikkei 225
59.79%
2.03
29.50%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
10.50%
EBIT Growth (5y)
8.68%
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
39.77%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
18
Industry P/E
Price to Book Value
1.15
EV to EBIT
30.90
EV to EBITDA
25.92
EV to Capital Employed
1.08
EV to Sales
9.37
PEG Ratio
0.58
Dividend Yield
NA
ROCE (Latest)
3.49%
ROE (Latest)
6.40%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Bullish
No Trend
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend16What is working for the Company
NII(Q)
Highest at JPY 29,472 MM
ROCE(HY)
Highest at 0.38%
NET SALES(Q)
Highest at JPY 43,894 MM
OPERATING PROFIT(Q)
Highest at JPY 18,177 MM
PRE-TAX PROFIT(Q)
Highest at JPY 20,352 MM
NET PROFIT(Q)
Highest at JPY 14,110.78 MM
EPS(Q)
Highest at JPY 47.37
-8What is not working for the Company
INTEREST(9M)
At JPY 43,760 MM has Grown at 36.48%
ROCE(HY)
Lowest at 0.38%
CASH AND EQV(HY)
Lowest at JPY 2,448,300 MM
CREDIT DEPOSIT RATIO(HY)
Lowest at 82.86%
Here's what is working for Hirogin Holdings, Inc.
NII
Highest at JPY 29,472 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Net Sales
Highest at JPY 43,894 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 43,894 MM has Grown at 11.63%
over average net sales of the previous four periods of JPY 39,322.25 MMMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Operating Profit
Highest at JPY 18,177 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (JPY MM)
Pre-Tax Profit
Highest at JPY 20,352 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 14,110.78 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (JPY MM)
EPS
Highest at JPY 47.37
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (JPY)
Here's what is not working for Hirogin Holdings, Inc.
Interest
At JPY 43,760 MM has Grown at 36.48%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (JPY MM)
Cash and Eqv
Lowest at JPY 2,448,300 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
Credit Deposit Ratio
Lowest at 82.86%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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