ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Rakuten Bank Ltd. ?
1
Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 505.50%
2
With a growth in Interest of NAN%, the company declared Outstanding results in Dec 25
- The company has declared positive results for the last 5 consecutive quarters
- NII(Q) Highest at JPY 36,764 MM
- ROCE(HY) Highest at 0.43%
- NET SALES(Q) Highest at JPY 50,198 MM
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to Rakuten Bank Ltd. 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 Rakuten Bank Ltd. for you?
High Risk, High Return
Absolute
Risk Adjusted
Volatility
Rakuten Bank Ltd.
7.2%
2.23
52.92%
Japan Nikkei 225
74.12%
3.00
24.74%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
292.10%
EBIT Growth (5y)
539.77%
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
0
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
27
Industry P/E
Price to Book Value
4.49
EV to EBIT
-43.62
EV to EBITDA
-39.98
EV to Capital Employed
0.74
EV to Sales
-23.82
PEG Ratio
0.56
Dividend Yield
NA
ROCE (Latest)
-1.70%
ROE (Latest)
16.80%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Mildly Bearish
Moving Averages
Bearish (Daily)
KST
Bullish
Dow Theory
Mildly Bullish
Mildly Bearish
OBV
Mildly Bullish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend25What is working for the Company
NII(Q)
Highest at JPY 36,764 MM
ROCE(HY)
Highest at 0.43%
NET SALES(Q)
Highest at JPY 50,198 MM
OPERATING PROFIT(Q)
Highest at JPY 28,379 MM
PRE-TAX PROFIT(Q)
Highest at JPY 26,817 MM
NET PROFIT(Q)
Highest at JPY 19,112 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 42.78%
EPS(Q)
Highest at JPY 109.53
-6What is not working for the Company
INTEREST(9M)
At JPY 37,541 MM has Grown at 108.94%
ROCE(HY)
Lowest at 0.43%
Here's what is working for Rakuten Bank Ltd.
NII
Highest at JPY 36,764 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 50,198 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 50,198 MM has Grown at 47.14%
Year on Year (YoY)MOJO Watch
Near term sales trend is very positive
Net Sales (JPY MM)
Operating Profit
Highest at JPY 28,379 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Operating Profit trend is quite positive
Operating Profit (JPY MM)
Pre-Tax Profit
Highest at JPY 26,817 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (JPY MM)
Net Profit
Highest at JPY 19,112 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Net Profit trend is very positive
Net Profit (JPY MM)
EPS
Highest at JPY 109.53
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (JPY)
Credit Deposit Ratio
Highest at 42.78%
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 2,025 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 Rakuten Bank Ltd.
Interest
At JPY 37,541 MM has Grown at 108.94%
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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