ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is San ju San Financial Group, Inc. ?
1
Poor Management Efficiency with a low ROA of 0.10%
- The bank has been able to generate a Return on Assets (avg) of 0.10% signifying low profitability per unit of total assets
2
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 8.54% signifying inadequate buffers against its risk based assets
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 8.54% signifying inadequate buffers against its risk based assets
- The bank has been able to generate a Return on Assets (avg) of 0.10% signifying low profitability per unit of total assets
3
Weak Long Term Fundamental Strength with an average Return on Assets (ROA) of 0.10%
4
Flat results in Jun 26
- INTEREST(9M) At JPY 9,107 MM has Grown at 110.37%
- ROCE(HY) Lowest at 0.26%
- CASH AND EQV(HY) Lowest at JPY 698,784 MM
5
With ROA of 0.19%, it has a fair valuation with a 0.80 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 121.37%, its profits have risen by 25% ; the PEG ratio of the company is 0.8
Real-Time Research ReportHow much should you hold?
- 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?
High Risk, Low Return
Absolute
Risk Adjusted
Volatility
San ju San Financial Group, Inc.
121.37%
-0.14
87.72%
Japan Nikkei 225
59.79%
2.03
29.50%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
1.40%
EBIT Growth (5y)
37.24%
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
30.35%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
21
Industry P/E
Price to Book Value
0.80
EV to EBIT
19.90
EV to EBITDA
11.13
EV to Capital Employed
0.71
EV to Sales
2.84
PEG Ratio
0.83
Dividend Yield
NA
ROCE (Latest)
3.54%
ROE (Latest)
3.79%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
Bearish
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Bullish
No Trend
OBV
Mildly Bullish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend12What is working for the Company
ROCE(HY)
Highest at 0.26%
CREDIT DEPOSIT RATIO(Q)
Highest at 0%
NII(Q)
Highest at JPY 13,080 MM
NET SALES(Q)
Highest at JPY 16,719 MM
-10What is not working for the Company
INTEREST(9M)
At JPY 9,107 MM has Grown at 110.37%
ROCE(HY)
Lowest at 0.26%
CASH AND EQV(HY)
Lowest at JPY 698,784 MM
PRE-TAX PROFIT(Q)
Lowest at JPY 3,361 MM
NET PROFIT(Q)
Lowest at JPY 2,442 MM
EPS(Q)
Lowest at JPY 23.49
Here's what is working for San ju San Financial Group, Inc.
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 (%)
NII
Highest at JPY 13,080 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (JPY MM)
Net Sales
Highest at JPY 16,719 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Net Sales
At JPY 16,719 MM has Grown at 32.18%
Year on Year (YoY)MOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Here's what is not working for San ju San Financial Group, Inc.
Interest
At JPY 9,107 MM has Grown at 110.37%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (JPY MM)
Pre-Tax Profit
Lowest at JPY 3,361 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (JPY MM)
Net Profit
Lowest at JPY 2,442 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is negative
Net Profit (JPY MM)
EPS
Lowest at JPY 23.49
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (JPY)
Cash and Eqv
Lowest at JPY 698,784 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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