ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Mebuki Financial Group, Inc. ?
1
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 12.05% signifying inadequate buffers against its risk based assets
- Poor long term growth as Net profit has grown by an annual rate of 9.90%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 12.05% 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
With a growth in Operating Profit of 30.33%, the company declared Very Positive results in Dec 25
- NII(Q) Highest at JPY 62,109 MM
- ROCE(HY) Highest at 0.34%
- NET SALES(Q) Highest at JPY 83,470 MM
3
With ROA of 0.27%, it has a very attractive valuation with a 0.74 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 61.13%, its profits have risen by 34% ; the PEG ratio of the company is 0.3
4
Consistent Returns over the last 3 years
- Along with generating 61.13% returns in the last 1 year, the stock has outperformed Japan Nikkei 225 in each of the last 3 annual periods
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Mebuki 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 Mebuki Financial Group, Inc. for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Mebuki Financial Group, Inc.
61.13%
2.42
40.57%
Japan Nikkei 225
36.73%
1.30
28.24%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
6.20%
EBIT Growth (5y)
12.43%
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
27.41%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
12
Industry P/E
Price to Book Value
0.74
EV to EBIT
-3.25
EV to EBITDA
-2.92
EV to Capital Employed
16.79
EV to Sales
-1.20
PEG Ratio
0.32
Dividend Yield
NA
ROCE (Latest)
-516.50%
ROE (Latest)
6.03%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Mildly Bullish
Bullish
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend16What is working for the Company
NII(Q)
Highest at JPY 62,109 MM
ROCE(HY)
Highest at 0.34%
NET SALES(Q)
Highest at JPY 83,470 MM
NET PROFIT(9M)
Higher at JPY 64,719.06 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 77.31%
-7What is not working for the Company
INTEREST(9M)
At JPY 61,894 MM has Grown at 33.76%
ROCE(HY)
Lowest at 0.34%
CASH AND EQV(HY)
Lowest at JPY 6,393,188 MM
Here's what is working for Mebuki Financial Group, Inc.
NII
Highest at JPY 62,109 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Net Sales
Highest at JPY 83,470 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (JPY MM)
Net Sales
At JPY 83,470 MM has Grown at 33.09%
over average net sales of the previous four periods of JPY 62,716.5 MMMOJO Watch
Near term sales trend is very positive
Net Sales (JPY MM)
Credit Deposit Ratio
Highest at 77.31%
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 64,719.06 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)
CASA
Highest at 12.66%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for Mebuki Financial Group, Inc.
Interest
At JPY 61,894 MM has Grown at 33.76%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (JPY MM)
Cash and Eqv
Lowest at JPY 6,393,188 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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