ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Juroku Financial Group, Inc. ?
1
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 10.61% 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%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 10.61% signifying inadequate buffers against its risk based assets
- The bank has been able to generate a Return on Assets (avg) of 0.15% signifying low profitability per unit of total assets
2
With a growth in Operating Profit of 43.48%, the company declared Very Positive results in Mar 26
- The company has declared positive results for the last 3 consecutive quarters
- NII(Q) Highest at JPY 16,051 MM
- ROCE(HY) Highest at 0.36%
- NET SALES(Q) Highest at JPY 20,911 MM
3
With ROA of 0.26%, it has a very attractive valuation with a 0.75 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 131.61%, its profits have risen by 8% ; the PEG ratio of the company is 2.1
- 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 Juroku Financial Group, 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 Juroku Financial Group, Inc. for you?
High Risk, Low Return
Absolute
Risk Adjusted
Volatility
Juroku Financial Group, Inc.
133.2%
-0.58
89.92%
Japan Nikkei 225
88.41%
3.25
27.24%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
3.10%
EBIT Growth (5y)
11.01%
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
31.18%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
17
Industry P/E
Price to Book Value
0.75
EV to EBIT
-7.31
EV to EBITDA
-6.42
EV to Capital Employed
2.29
EV to Sales
-3.22
PEG Ratio
2.13
Dividend Yield
NA
ROCE (Latest)
-31.38%
ROE (Latest)
4.48%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
Bearish
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
No Trend
Bullish
OBV
No Trend
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend19What is working for the Company
NII(Q)
Highest at JPY 16,051 MM
ROCE(HY)
Highest at 0.36%
NET SALES(Q)
Highest at JPY 20,911 MM
CREDIT DEPOSIT RATIO(Q)
Highest at 1.28%
DIVIDEND PER SHARE(HY)
Highest at JPY 0
PRE-TAX PROFIT(Q)
Highest at JPY 16,379 MM
NET PROFIT(Q)
Highest at JPY 10,615.47 MM
-7What is not working for the Company
INTEREST(9M)
At JPY 13,047 MM has Grown at 67.59%
ROCE(HY)
Lowest at 0.36%
DIVIDEND PAYOUT RATIO(Y)
Lowest at 53.53%
Here's what is working for Juroku Financial Group, Inc.
NII
Highest at JPY 16,051 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 20,911 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (JPY MM)
Credit Deposit Ratio
Highest at 1.28% and Grown
In each half year 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 Sales
At JPY 20,911 MM has Grown at 24.95%
Year on Year (YoY)MOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Pre-Tax Profit
Highest at JPY 16,379 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (JPY MM)
Pre-Tax Profit
At JPY 16,379 MM has Grown at 72.65%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (JPY MM)
Net Profit
Highest at JPY 10,615.47 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (JPY MM)
Dividend per share
Highest at JPY 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (JPY)
Depreciation
Highest at JPY 1,108 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 Juroku Financial Group, Inc.
Interest
At JPY 13,047 MM has Grown at 67.59%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (JPY MM)
Dividend Payout Ratio
Lowest at 53.53%
in the last five yearsMOJO Watch
Company is distributing lower proportion of profits generated as dividend
DPR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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