ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is San ju San Financial Group, Inc. ?
1
Positive results in Jun 25
- ROCE(HY) Highest at 0.19%
- NII(Q) Highest at JPY 10,608 MM
- CREDIT DEPOSIT RATIO(HY) Highest at 77.25%
2
With ROA of 0.19%, it has a very attractive valuation with a 0.35 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 117.79%, its profits have risen by 25% ; the PEG ratio of the company is 0.3
3
Market Beating performance in long term as well as near term
- Along with generating 117.79% returns in the last 1 year, the stock has outperformed Japan Nikkei 225 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to San ju San Financial Group, 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 San ju San Financial Group, Inc. for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
San ju San Financial Group, Inc.
-100.0%
3.15
41.03%
Japan Nikkei 225
34.76%
1.32
26.36%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
1.40%
EBIT Growth (5y)
27.81%
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
30.07%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
8
Industry P/E
Price to Book Value
0.35
EV to EBIT
-22.15
EV to EBITDA
-8.51
EV to Capital Employed
-0.82
EV to Sales
-1.55
PEG Ratio
0.33
Dividend Yield
NA
ROCE (Latest)
Negative Capital Employed
ROE (Latest)
4.20%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
Bearish
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
No Trend
Bullish
OBV
No Trend
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend15What is working for the Company
ROCE(HY)
Highest at 0.19%
NII(Q)
Highest at JPY 10,608 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 77.25%
NET SALES(Q)
Highest at JPY 12,649 MM
PRE-TAX PROFIT(Q)
Highest at JPY 3,752 MM
NET PROFIT(Q)
Highest at JPY 2,794.21 MM
EPS(Q)
Highest at JPY 107.15
-6What is not working for the Company
INTEREST(9M)
At JPY 4,329 MM has Grown at 781.67%
ROCE(HY)
Lowest at 0.19%
Here's what is working for San ju San Financial Group, Inc.
Net Sales
At JPY 12,649 MM has Grown at 36.01%
Year on Year (YoY)MOJO Watch
Near term sales trend is very positive
Net Sales (JPY MM)
NII
Highest at JPY 10,608 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (JPY MM)
Net Sales
Highest at JPY 12,649 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Pre-Tax Profit
Highest at JPY 3,752 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 2,794.21 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (JPY MM)
EPS
Highest at JPY 107.15
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (JPY)
Credit Deposit Ratio
Highest at 77.25%
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 (%)
CASA
Highest at 8.52%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for San ju San Financial Group, Inc.
Interest
At JPY 4,329 MM has Grown at 781.67%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (JPY MM)
Non Operating Income
Highest at JPY 0.45 MM
in the last five periodsMOJO Watch
Increased income from non business activities may not be sustainable
Non Operating income
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