ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Nishi-Nippon Financial Holdings, Inc. ?
1
Positive results in Jun 25
- ROCE(HY) Highest at 0.21%
- NII(Q) Highest at JPY 29,279 MM
- CREDIT DEPOSIT RATIO(HY) Highest at 92.87%
2
With ROA of 0.22%, it has a very attractive valuation with a 0.58 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 41.21%, its profits have risen by 31% ; the PEG ratio of the company is 0.3
3
Consistent Returns over the last 3 years
- Along with generating 41.21% 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 buy?
- 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.
41.21%
1.36
34.85%
Japan Nikkei 225
28.54%
1.11
25.75%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
5.80%
EBIT Growth (5y)
4.24%
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
10
Industry P/E
Price to Book Value
0.58
EV to EBIT
32.12
EV to EBITDA
26.36
EV to Capital Employed
0.80
EV to Sales
7.02
PEG Ratio
0.33
Dividend Yield
NA
ROCE (Latest)
2.49%
ROE (Latest)
5.66%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Bullish
Bullish
OBV
Bullish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend10What is working for the Company
ROCE(HY)
Highest at 0.21%
NII(Q)
Highest at JPY 29,279 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 92.87%
NET SALES(Q)
Highest at JPY 38,393 MM
OPERATING PROFIT(Q)
Highest at JPY 11,437 MM
-7What is not working for the Company
INTEREST(9M)
At JPY 24,781 MM has Grown at 31.57%
ROCE(HY)
Lowest at 0.21%
CASH AND EQV(HY)
Lowest at JPY 3,377,919 MM
Here's what is working for Nishi-Nippon Financial Holdings, Inc.
NII
Highest at JPY 29,279 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (JPY MM)
Net Sales
Highest at JPY 38,393 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Net Sales
At JPY 38,393 MM has Grown at 17.59%
over average net sales of the previous four periods of JPY 32,649.25 MMMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Operating Profit
Highest at JPY 11,437 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (JPY MM)
Credit Deposit Ratio
Highest at 92.87%
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 Nishi-Nippon Financial Holdings, Inc.
Interest
At JPY 24,781 MM has Grown at 31.57%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (JPY MM)
Cash and Eqv
Lowest at JPY 3,377,919 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
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