ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is San-in Godo Bank Ltd. ?
1
Positive results in Dec 25
- ROCE(HY) Highest at 0.27%
- CASH AND EQV(HY) Highest at JPY 2,682,284 MM
- CREDIT DEPOSIT RATIO(HY) Highest at 80.28%
2
With ROA of 0.20%, it has a very attractive valuation with a 0.63 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 21.93%, its profits have risen by 11% ; the PEG ratio of the company is 0.9
- At the current price, the company has a high dividend yield of 0
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to San-in Godo 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 San-in Godo Bank Ltd. for you?
Low Risk, Low Return
Absolute
Risk Adjusted
Volatility
San-in Godo Bank Ltd.
21.93%
0.50
35.40%
Japan Nikkei 225
36.73%
1.30
28.24%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
9.80%
EBIT Growth (5y)
8.93%
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
39.06%
Pledged Shares
0
Institutional Holding
0.15%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
10
Industry P/E
Price to Book Value
0.63
EV to EBIT
20.76
EV to EBITDA
17.82
EV to Capital Employed
0.78
EV to Sales
4.32
PEG Ratio
0.92
Dividend Yield
0.04%
ROCE (Latest)
3.74%
ROE (Latest)
6.00%
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 Trend9What is working for the Company
ROCE(HY)
Highest at 0.27%
CASH AND EQV(HY)
Highest at JPY 2,682,284 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 80.28%
NET SALES(Q)
At JPY 27,602 MM has Grown at 27.61%
-6What is not working for the Company
INTEREST(9M)
At JPY 26,995 MM has Grown at 164.19%
ROCE(HY)
Lowest at 0.27%
Here's what is working for San-in Godo Bank Ltd.
Net Sales
At JPY 27,602 MM has Grown at 27.61%
Year on Year (YoY)MOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Cash and Eqv
Highest at JPY 2,682,284 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Credit Deposit Ratio
Highest at 80.28%
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 San-in Godo Bank Ltd.
Interest
At JPY 26,995 MM has Grown at 164.19%
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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