ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Kyushu Financial Group, Inc. ?
1
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 11.08% signifying inadequate buffers against its risk based assets
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 11.08% 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
2
Healthy long term growth as Net profit has grown by an annual rate of 10.70%
3
Positive results in Dec 25
- ROCE(HY) Highest at 0.3%
- NII(Q) Highest at JPY 29,611 MM
- NET PROFIT(9M) Higher at JPY 30,966 MM
4
With ROA of 0.21%, it has a very attractive valuation with a 0.73 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 91.32%, its profits have risen by 15% ; the PEG ratio of the company is 1.2
5
Market Beating Performance
- The stock has generated a return of 91.32% in the last 1 year, much higher than market (Japan Nikkei 225) returns of 65.71%
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Kyushu Financial Group, Inc. should be less than 10%
- Overall Portfolio exposure to Major Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Kyushu Financial Group, Inc. for you?
Low Risk, Low Return
Absolute
Risk Adjusted
Volatility
Kyushu Financial Group, Inc.
91.32%
1.25
34.02%
Japan Nikkei 225
64.33%
2.59
25.41%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
6.50%
EBIT Growth (5y)
2.25%
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
29.92%
Pledged Shares
0
Institutional Holding
0.12%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
18
Industry P/E
Price to Book Value
0.73
EV to EBIT
25.08
EV to EBITDA
19.39
EV to Capital Employed
0.80
EV to Sales
6.14
PEG Ratio
1.21
Dividend Yield
NA
ROCE (Latest)
3.20%
ROE (Latest)
4.00%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
No Trend
Mildly Bearish
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend9What is working for the Company
ROCE(HY)
Highest at 0.3%
NII(Q)
Highest at JPY 29,611 MM
NET PROFIT(9M)
Higher at JPY 30,966 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 87.01%
NET SALES(Q)
Highest at JPY 40,366 MM
-6What is not working for the Company
INTEREST(9M)
At JPY 30,730 MM has Grown at 30.92%
ROCE(HY)
Lowest at 0.3%
Here's what is working for Kyushu Financial Group, Inc.
NII
Highest at JPY 29,611 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (JPY MM)
Net Sales
Highest at JPY 40,366 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Credit Deposit Ratio
Highest at 87.01%
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 Profit
Higher at JPY 30,966 MM
than preceding 12 month period ended Dec 2025MOJO Watch
In the nine month period the company has already crossed sales of the previous twelve months
Net Profit (JPY MM)
Here's what is not working for Kyushu Financial Group, Inc.
Interest
At JPY 30,730 MM has Grown at 30.92%
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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