ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Resona Holdings, Inc. ?
1
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 12.30% signifying inadequate buffers against its risk based assets
- Poor long term growth as Net profit has grown by an annual rate of 7.00%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 12.30% signifying inadequate buffers against its risk based assets
- The bank has been able to generate a Return on Assets (avg) of 0.16% signifying low profitability per unit of total assets
2
Positive results in Dec 25
- ROCE(HY) Highest at 0.34%
- NET SALES(Q) At JPY 202,077 MM has Grown at 35.5%
- CREDIT DEPOSIT RATIO(Q) Highest at 0%
3
With ROA of 0.26%, it has a very attractive valuation with a 1.08 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 34.03%, its profits have risen by 34% ; the PEG ratio of the company is 0.4
4
Majority shareholders : Non Institution
5
Underperformed the market in the last 1 year
- The stock has generated a return of 34.03% in the last 1 year, much lower than market (Japan Nikkei 225) returns of 45.07%
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Resona 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 Resona Holdings, Inc. for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Resona Holdings, Inc.
34.03%
854.06
45.74%
Japan Nikkei 225
45.07%
1.63
27.61%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
5.20%
EBIT Growth (5y)
4.54%
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
27.05%
Pledged Shares
0
Institutional Holding
0.00%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
14
Industry P/E
Price to Book Value
1.08
EV to EBIT
-37.65
EV to EBITDA
-32.02
EV to Capital Employed
0.98
EV to Sales
-13.63
PEG Ratio
0.38
Dividend Yield
NA
ROCE (Latest)
-2.59%
ROE (Latest)
7.82%
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
No Trend
Bullish
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend16What is working for the Company
ROCE(HY)
Highest at 0.34%
NET SALES(Q)
At JPY 202,077 MM has Grown at 35.5%
CREDIT DEPOSIT RATIO(Q)
Highest at 0%
PRE-TAX PROFIT(Q)
Highest at JPY 112,983 MM
NET PROFIT(Q)
Highest at JPY 79,330.63 MM
EPS(Q)
Highest at JPY 34.9
-7What is not working for the Company
INTEREST(9M)
At JPY 163,261 MM has Grown at 70.12%
ROCE(HY)
Lowest at 0.34%
CASH AND EQV(HY)
Lowest at JPY 32,848,558 MM
Here's what is working for Resona Holdings, Inc.
Net Sales
At JPY 202,077 MM has Grown at 35.5%
Year on Year (YoY)MOJO Watch
Near term sales trend is very positive
Net Sales (JPY MM)
Credit Deposit Ratio
Highest at 0% and Grown
In each half year 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 (%)
Pre-Tax Profit
Highest at JPY 112,983 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (JPY MM)
Net Profit
Highest at JPY 79,330.63 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (JPY MM)
EPS
Highest at JPY 34.9
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (JPY)
Here's what is not working for Resona Holdings, Inc.
Interest
At JPY 163,261 MM has Grown at 70.12%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (JPY MM)
Cash and Eqv
Lowest at JPY 32,848,558 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
Non Operating Income
Highest at JPY 0.28 MM
in the last five periodsMOJO Watch
Increased income from non business activities may not be sustainable
Non Operating income
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