ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Nishi-Nippon Financial Holdings, Inc. ?
1
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 11.17% 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%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 11.17% signifying inadequate buffers against its risk based assets
- The bank has been able to generate a Return on Assets (avg) of 0.12% signifying low profitability per unit of total assets
2
With a growth in Interest of NAN%, the company declared Very Positive results in Mar 26
- NII(Q) Highest at JPY 35,467 MM
- ROCE(HY) Highest at 0.29%
- DIVIDEND PER SHARE(HY) Highest at JPY 0
3
With ROA of 0.22%, it has a very attractive valuation with a 0.97 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 95.69%, its profits have risen by 31% ; the PEG ratio of the company is 0.6
4
Company is among the highest 1% of companies rated by MarketsMojo across all 4,000 stocks
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Nishi-Nippon Financial Holdings, 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 Nishi-Nippon Financial Holdings, Inc. for you?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
Nishi-Nippon Financial Holdings, Inc.
95.51%
3.16
34.74%
Japan Nikkei 225
88.41%
3.25
27.24%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
5.80%
EBIT Growth (5y)
11.46%
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
33.88%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
19
Industry P/E
Price to Book Value
0.97
EV to EBIT
27.07
EV to EBITDA
23.40
EV to Capital Employed
0.99
EV to Sales
8.27
PEG Ratio
0.60
Dividend Yield
NA
ROCE (Latest)
3.64%
ROE (Latest)
5.20%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
Bullish
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend19What is working for the Company
NII(Q)
Highest at JPY 35,467 MM
ROCE(HY)
Highest at 0.29%
DIVIDEND PER SHARE(HY)
Highest at JPY 0
NET SALES(Q)
Highest at JPY 47,540 MM
NET PROFIT(9M)
Higher at JPY 31,669.92 MM
-14What is not working for the Company
INTEREST(9M)
At JPY 32,376 MM has Grown at 50.46%
ROCE(HY)
Lowest at 0.29%
CASH AND EQV(HY)
Lowest at JPY 2,789,521 MM
OPERATING PROFIT(Q)
Lowest at JPY 7,112 MM
OPERATING PROFIT MARGIN(Q)
Lowest at 14.96 %
PRE-TAX PROFIT(Q)
Lowest at JPY 9,411 MM
NET PROFIT(Q)
Lowest at JPY 6,500 MM
EPS(Q)
Lowest at JPY 46.67
Here's what is working for Nishi-Nippon Financial Holdings, Inc.
NII
Highest at JPY 35,467 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 47,540 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (JPY MM)
Dividend per share
Highest at JPY 0 and Grown
In each year in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (JPY)
Net Sales
At JPY 47,540 MM has Grown at 19.6%
over average net sales of the previous four periods of JPY 39,750 MMMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Depreciation
Highest at JPY 1,966 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (JPY MM)
Here's what is not working for Nishi-Nippon Financial Holdings, Inc.
Interest
At JPY 32,376 MM has Grown at 50.46%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (JPY MM)
Operating Profit
Lowest at JPY 7,112 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (JPY MM)
Operating Profit Margin
Lowest at 14.96 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Pre-Tax Profit
Lowest at JPY 9,411 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (JPY MM)
Pre-Tax Profit
At JPY 9,411 MM has Fallen at -36.35%
over average net sales of the previous four periods of JPY 14,784.75 MMMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (JPY MM)
Net Profit
Lowest at JPY 6,500 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is negative
Net Profit (JPY MM)
Net Profit
At JPY 6,500 MM has Fallen at -36.33%
over average net sales of the previous four periods of JPY 10,209.66 MMMOJO Watch
Near term Net Profit trend is negative
Net Profit (JPY MM)
EPS
Lowest at JPY 46.67
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (JPY)
Cash and Eqv
Lowest at JPY 2,789,521 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
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