ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Japan Post Bank Co., Ltd. ?
1
Poor Management Efficiency with a low ROA of 0.11%
- The bank has been able to generate a Return on Assets (avg) of 0.11% signifying low profitability per unit of total assets
2
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 15.34% 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 8.70%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 15.34% signifying inadequate buffers against its risk based assets
- The bank has been able to generate a Return on Assets (avg) of 0.11% signifying low profitability per unit of total assets
3
Poor long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 8.70%
4
The company has declared positive results for the last 4 consecutive quarters
- NII(Q) Highest at JPY 399,133 MM
- ROCE(HY) Highest at 0.26%
- NET SALES(Q) Highest at JPY 678,117 MM
5
With ROA of 0.16%, it has a fair valuation with a 1.21 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 83.53%, its profits have risen by 16% ; the PEG ratio of the company is 1.7
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Japan Post Bank 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 Japan Post Bank Co., Ltd. for you?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
Japan Post Bank Co., Ltd.
76.7%
929.10
34.87%
Japan Nikkei 225
60.14%
2.04
29.37%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
5.80%
EBIT Growth (5y)
7.87%
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
50.31%
Pledged Shares
0
Institutional Holding
0.00%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
27
Industry P/E
Price to Book Value
1.21
EV to EBIT
-49.49
EV to EBITDA
-45.44
EV to Capital Employed
0.93
EV to Sales
-14.50
PEG Ratio
1.67
Dividend Yield
NA
ROCE (Latest)
-1.87%
ROE (Latest)
4.43%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
No Trend
Bullish
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend26What is working for the Company
NII(Q)
Highest at JPY 399,133 MM
ROCE(HY)
Highest at 0.26%
NET SALES(Q)
Highest at JPY 678,117 MM
OPERATING PROFIT(Q)
Highest at JPY 180,321 MM
OPERATING PROFIT MARGIN(Q)
Highest at 26.59 %
NET PROFIT(Q)
Highest at JPY 177,573 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 4.1%
PRE-TAX PROFIT(Q)
Highest at JPY 253,526 MM
EPS(Q)
Highest at JPY 49.85
-6What is not working for the Company
INTEREST(9M)
At JPY 794,571 MM has Grown at 19.51%
ROCE(HY)
Lowest at 0.26%
CASH AND EQV(HY)
Lowest at JPY 115,553,813 MM
Here's what is working for Japan Post Bank Co., Ltd.
NII
Highest at JPY 399,133 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 678,117 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (JPY MM)
Operating Profit
Highest at JPY 180,321 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Operating Profit trend is quite positive
Operating Profit (JPY MM)
Operating Profit Margin
Highest at 26.59 % and Grown
In each period in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Net Profit
Highest at JPY 177,573 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Net Profit trend is very positive
Net Profit (JPY MM)
Net Sales
At JPY 678,117 MM has Grown at 19.45%
over average net sales of the previous four periods of JPY 567,708 MMMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Pre-Tax Profit
Highest at JPY 253,526 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (JPY MM)
EPS
Highest at JPY 49.85
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (JPY)
Credit Deposit Ratio
Highest at 4.1%
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 13,072 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 Japan Post Bank Co., Ltd.
Interest
At JPY 794,571 MM has Grown at 19.51%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (JPY MM)
Cash and Eqv
Lowest at JPY 115,553,813 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
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