ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Kyushu Financial Group, Inc. ?
1
Poor Management Efficiency with a low ROA of 0.11%
- The bank has been able to generate a Return on Assets (avg) of 0.11% signifying low profitability per unit of total assets
2
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
3
Weak Long Term Fundamental Strength with an average Return on Assets (ROA) of 0.11%
4
Positive results in Jun 26
- NII(Q) Highest at JPY 32,733 MM
- CREDIT DEPOSIT RATIO(HY) Highest at 87.61%
- NET SALES(Q) Highest at JPY 45,680 MM
5
With ROA of 0.17%, it has a fair valuation with a 0.89 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 96.49%, its profits have risen by 24% ; the PEG ratio of the company is 0.8
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, High Return
Absolute
Risk Adjusted
Volatility
Kyushu Financial Group, Inc.
96.49%
2.04
34.60%
Japan Nikkei 225
43.52%
1.48
29.43%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
10.00%
EBIT Growth (5y)
24.86%
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
33.13%
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
0.89
EV to EBIT
17.42
EV to EBITDA
14.06
EV to Capital Employed
0.90
EV to Sales
4.70
PEG Ratio
0.75
Dividend Yield
NA
ROCE (Latest)
5.15%
ROE (Latest)
4.95%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Bullish
Bullish
OBV
Bullish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend7What is working for the Company
NII(Q)
Highest at JPY 32,733 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 87.61%
NET SALES(Q)
Highest at JPY 45,680 MM
OPERATING PROFIT(Q)
Highest at JPY 16,288 MM
OPERATING PROFIT MARGIN(Q)
Highest at 35.66 %
-5What is not working for the Company
INTEREST(9M)
At JPY 35,326 MM has Grown at 33.93%
CASH AND EQV(HY)
Lowest at JPY 3,061,116 MM
Here's what is working for Kyushu Financial Group, Inc.
NII
Highest at JPY 32,733 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (JPY MM)
Net Sales
Highest at JPY 45,680 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Net Sales
At JPY 45,680 MM has Grown at 17.39%
over average net sales of the previous four periods of JPY 38,912 MMMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Operating Profit
Highest at JPY 16,288 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (JPY MM)
Operating Profit Margin
Highest at 35.66 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Credit Deposit Ratio
Highest at 87.61%
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 (%)
Depreciation
Highest at JPY 2,633 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (JPY MM)
Depreciation
At JPY 2,633 MM has Grown at inf%
period on period (QoQ)MOJO Watch
The expenditure on assets done by the company has gone into productive use which should positively reflect in the future sales
Depreciation (JPY MM)
Here's what is not working for Kyushu Financial Group, Inc.
Interest
At JPY 35,326 MM has Grown at 33.93%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (JPY MM)
Cash and Eqv
Lowest at JPY 3,061,116 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
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