ScoreWhy is Kyoto Financial Group, Inc. ?
1
With a growth in Interest of NAN%, the company declared Very Positive results in Jun 26
- The company has declared positive results for the last 2 consecutive quarters
- NET PROFIT(HY) Higher at JPY 77,809 MM
- ROCE(HY) Highest at 0.86%
- NII(Q) Highest at JPY 34,983 MM
2
With ROA of 0.36%, it has a very attractive valuation with a 1.19 Price to Book Value
- Over the past year, while the stock has generated a return of 69.19%, its profits have risen by 33.5% ; the PEG ratio of the company is 1
Real-Time Research ReportHow much should you buy?
- 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, High Return
Absolute
Risk Adjusted
Volatility
Kyoto Financial Group, Inc.
67.2%
2.22
33.44%
Japan Nikkei 225
60.14%
2.04
29.37%
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
23.61%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
32
Industry P/E
Price to Book Value
1.19
EV to EBIT
36.69
EV to EBITDA
32.67
EV to Capital Employed
1.18
EV to Sales
11.44
PEG Ratio
0.97
Dividend Yield
NA
ROCE (Latest)
3.22%
ROE (Latest)
3.66%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
Bearish
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Dow Theory
No Trend
No Trend
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend24What is working for the Company
NET PROFIT(HY)
Higher at JPY 77,809 MM
ROCE(HY)
Highest at 0.86%
NII(Q)
Highest at JPY 34,983 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 86.19%
NET SALES(Q)
Highest at JPY 46,686 MM
OPERATING PROFIT(Q)
Highest at JPY 25,309 MM
OPERATING PROFIT MARGIN(Q)
Highest at 54.21 %
-7What is not working for the Company
INTEREST(9M)
At JPY 33,862 MM has Grown at 31.74%
ROCE(HY)
Lowest at 0.86%
CASH AND EQV(HY)
Lowest at JPY 1,425,008 MM
Here's what is working for Kyoto Financial Group, Inc.
Net Profit
At JPY 77,809 MM has Grown at 354.39%
Year on Year (YoY)MOJO Watch
Net Profit trend is very positive
Net Profit (JPY MM)
NII
Highest at JPY 34,983 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (JPY MM)
Net Profit
Higher at JPY 77,809 MM
than preceding 12 month period ended Jun 2026MOJO Watch
In the half year the company has already crossed Net Profit of the previous twelve months
Net Profit (JPY MM)
Net Sales
Highest at JPY 46,686 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Net Sales
At JPY 46,686 MM has Grown at 22.75%
Year on Year (YoY)MOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Operating Profit
Highest at JPY 25,309 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (JPY MM)
Operating Profit Margin
Highest at 54.21 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Credit Deposit Ratio
Highest at 86.19%
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 33,862 MM has Grown at 31.74%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (JPY MM)
Cash and Eqv
Lowest at JPY 1,425,008 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
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