ScoreWhy is Kyoto Financial Group, Inc. ?
1
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 32,013.42% 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 11.85%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 32,013.42% signifying inadequate buffers against its risk based assets
- The bank has been able to generate a Return on Assets (avg) of 0.16% signifying low profitability per unit of total assets
2
Positive results in Jun 25
- NET SALES(Q) Highest at JPY 38,032 MM
3
With ROA of 0.29%, it has a Does not qualify valuation with a 0.67 Price to Book Value
- Over the past year, while the stock has generated a return of 50.86%, its profits have risen by 15.6% ; the PEG ratio of the company is 1.2
4
Market Beating Performance
- The stock has generated a return of 50.86% in the last 1 year, much higher than market (Japan Nikkei 225) returns of 27.57%
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Kyoto 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 Kyoto Financial Group, Inc. for you?
Low Risk, Medium Return
Absolute
Risk Adjusted
Volatility
Kyoto Financial Group, Inc.
47.78%
0.96
32.52%
Japan Nikkei 225
27.1%
1.07
25.74%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
7.59%
EBIT Growth (5y)
7.58%
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
47.96%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
20
Industry P/E
Price to Book Value
0.67
EV to EBIT
11.85
EV to EBITDA
10.67
EV to Capital Employed
0.59
EV to Sales
4.44
PEG Ratio
1.22
Dividend Yield
NA
ROCE (Latest)
4.94%
ROE (Latest)
3.38%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
RSI
No Signal
Bearish
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Dow Theory
Bullish
Bullish
OBV
Mildly Bearish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend1What is working for the Company
NET SALES(Q)
Highest at JPY 38,032 MM
-4What is not working for the Company
INTEREST(9M)
At JPY 25,704 MM has Grown at 66.63%
Here's what is working for Kyoto Financial Group, Inc.
Net Sales
Highest at JPY 38,032 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Here's what is not working for Kyoto Financial Group, Inc.
Interest
At JPY 25,704 MM has Grown at 66.63%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (JPY MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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