ScoreWhy is Kyoto Financial Group, Inc. ?
1
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 12.30% 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 16.36%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 12.30% signifying inadequate buffers against its risk based assets
- The bank has been able to generate a Return on Assets (avg) of 0.14% signifying low profitability per unit of total assets
2
Positive results in Dec 25
- NET SALES(HY) At JPY 64,490 MM has Grown at 20.16%
- NET PROFIT(HY) At JPY 26,181 MM has Grown at 69.06%
- ROCE(HY) Highest at 0.36%
3
With ROA of 0.36%, it has a attractive valuation with a 1.12 Price to Book Value
- Over the past year, while the stock has generated a return of 77.19%, its profits have risen by 33.5% ; the PEG ratio of the company is 0.9
4
Market Beating Performance
- The stock has generated a return of 77.19% in the last 1 year, much higher than market (Japan Nikkei 225) returns of 66.43%
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.
76.48%
2.10
30.80%
Japan Nikkei 225
66.43%
2.61
25.49%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
10.01%
EBIT Growth (5y)
11.72%
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
31
Industry P/E
Price to Book Value
1.12
EV to EBIT
34.73
EV to EBITDA
30.93
EV to Capital Employed
1.12
EV to Sales
10.83
PEG Ratio
0.91
Dividend Yield
NA
ROCE (Latest)
3.22%
ROE (Latest)
3.66%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
RSI
No Signal
Bearish
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Dow Theory
No Trend
Mildly Bullish
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend8What is working for the Company
NET SALES(HY)
At JPY 64,490 MM has Grown at 20.16%
NET PROFIT(HY)
At JPY 26,181 MM has Grown at 69.06%
ROCE(HY)
Highest at 0.36%
CREDIT DEPOSIT RATIO(HY)
Highest at 80.51%
-6What is not working for the Company
INTEREST(9M)
At JPY 31,475 MM has Grown at 59.94%
ROCE(HY)
Lowest at 0.36%
Here's what is working for Kyoto Financial Group, Inc.
Net Sales
At JPY 64,490 MM has Grown at 20.16%
Year on Year (YoY)MOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Net Profit
At JPY 26,181 MM has Grown at 69.06%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (JPY MM)
Credit Deposit Ratio
Highest at 80.51%
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 (%)
Here's what is not working for Kyoto Financial Group, Inc.
Interest
At JPY 31,475 MM has Grown at 59.94%
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
GET THE MARKETSMOJO APP
Company
Stocks
Portfolio
"Investment in securities markets are subject to market risk. Read all the related documents carefully before investing."
