San ju San Financial Group, Inc. (7322) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Bank of The Ryukyus, Ltd.

The Bank of Nagoya Ltd.

Okinawa Financial Group, Inc.

San ju San Financial Group, Inc.

The Ogaki Kyoritsu Bank Ltd.

Nanto Bank Ltd.

TOMONY Holdings, Inc.

The Bank of Iwate Ltd.

First Bank of Toyama Ltd.

The Miyazaki Bank Ltd.

The Keiyo Bank, Ltd.

Why is San ju San Financial Group, Inc. ?

With a growth in Interest of NAN%, the company declared Very Positive results in Dec 25

ROCE(HY) Highest at 0.26%
NET PROFIT(Q) Highest at JPY 4,024.23 MM
CREDIT DEPOSIT RATIO(HY) Highest at 78.24%

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 140.66%, its profits have risen by 25% ; the PEG ratio of the company is 0.3

Market Beating performance in long term as well as near term

Along with generating 140.66% 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 Report

Verdict Report

How 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.

140.66%

3.88

45.46%

Japan Nikkei 225

36.73%

1.30

28.24%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

1.40%

EBIT Growth (5y)

27.81%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

30.07%

Pledged Shares

Institutional Holding

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

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

ROCE (Latest)

Negative Capital Employed

ROE (Latest)

4.20%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

RSI

No Signal

Bollinger Bands

Mildly Bullish

Moving Averages

Bullish (Daily)

KST

Bullish

Dow Theory

Bullish

No Trend

OBV

No Trend

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

19What is working for the Company

ROCE(HY)

Highest at 0.26%

NET PROFIT(Q)

Highest at JPY 4,024.23 MM

CREDIT DEPOSIT RATIO(HY)

Highest at 78.24%

NET SALES(Q)

Highest at JPY 12,978 MM

PRE-TAX PROFIT(Q)

Highest at JPY 5,150 MM

EPS(Q)

Highest at JPY 152.75

-7What is not working for the Company

INTEREST(9M)

At JPY 6,841 MM has Grown at 308.42%

ROCE(HY)

Lowest at 0.26%

OPERATING PROFIT MARGIN(Q)

Lowest at 13.65 %

Here's what is working for San ju San Financial Group, Inc.

Net Profit

Highest at JPY 4,024.23 MM and Grown

In each period in the last five periods

MOJO Watch

Near term Net Profit trend is very positive

Net Profit (JPY MM)

Net Profit

At JPY 4,024.23 MM has Grown at 135.2%

Year on Year (YoY)

MOJO Watch

Near term Net Profit trend is very positive

Net Profit (JPY MM)

Net Sales

Highest at JPY 12,978 MM

in the last five periods

MOJO Watch

Near term sales trend is positive

Net Sales (JPY MM)

Net Sales

At JPY 12,978 MM has Grown at 26.78%

Year on Year (YoY)

MOJO Watch

Near term sales trend is positive

Net Sales (JPY MM)

Pre-Tax Profit

Highest at JPY 5,150 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (JPY MM)

Pre-Tax Profit

At JPY 5,150 MM has Grown at 87.34%

Year on Year (YoY)

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (JPY MM)

EPS

Highest at JPY 152.75

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (JPY)

Credit Deposit Ratio

Highest at 78.24%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets

Credit Deposit Ratio (%)

Depreciation

At JPY 1,272 MM has Grown at 39.17%

period on period (QoQ)

MOJO Watch

The expenditure on assets done by the company has gone into productive use which should positively reflect in the future sales

Depreciation (JPY MM)

CASA

Highest at 8.58%

in the last five periods

MOJO 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 6,841 MM has Grown at 308.42%

over previous Semi-Annual period

MOJO Watch

Rising interest cost signifies increased borrowings

Interest Paid (JPY MM)

Operating Profit Margin

Lowest at 13.65 %

in the last five periods

MOJO Watch

Company's profit margin has deteriorated

Operating Profit to Sales

Non Operating Income

Highest at JPY 0.66 MM

in the last five periods

MOJO Watch

Increased income from non business activities may not be sustainable

Non Operating income