ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is San ju San Financial Group, Inc. ?
1
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
2
With a growth in Interest of NAN%, the company declared Very Positive results in Mar 26
- The company has declared positive results for the last 4 consecutive quarters
- NET PROFIT(HY) At JPY 6,733.42 MM has Grown at 75.6%
- ROCE(HY) Highest at 0.27%
- CREDIT DEPOSIT RATIO(Q) Highest at 1.99%
3
With ROA of 0.19%, it has a very attractive valuation with a 0.71 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 130.32%, its profits have risen by 25% ; the PEG ratio of the company is 0.7
4
Consistent Returns over the last 3 years
- Along with generating 130.32% returns in the last 1 year, the stock has outperformed Japan Nikkei 225 in each of the last 3 annual periods
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.
136.95%
-0.27
86.28%
Japan Nikkei 225
88.41%
3.12
27.27%
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
30.07%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
19
Industry P/E
Price to Book Value
0.71
EV to EBIT
16.24
EV to EBITDA
9.08
EV to Capital Employed
0.58
EV to Sales
2.32
PEG Ratio
0.74
Dividend Yield
NA
ROCE (Latest)
3.54%
ROE (Latest)
3.79%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
No Trend
Bullish
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend21What is working for the Company
NET PROFIT(HY)
At JPY 6,733.42 MM has Grown at 75.6%
ROCE(HY)
Highest at 0.27%
CREDIT DEPOSIT RATIO(Q)
Highest at 1.99%
NII(Q)
Highest at JPY 10,755 MM
DIVIDEND PER SHARE(HY)
Highest at JPY 0
NET SALES(Q)
Highest at JPY 13,748 MM
OPERATING PROFIT(Q)
Highest at JPY 3,787 MM
OPERATING PROFIT MARGIN(Q)
Highest at 27.55 %
PRE-TAX PROFIT(Q)
At JPY 3,767 MM has Grown at 76.36%
-8What is not working for the Company
INTEREST(9M)
At JPY 7,793 MM has Grown at 181.95%
DIVIDEND PAYOUT RATIO(Y)
Lowest at 77.05%
ROCE(HY)
Lowest at 0.27%
Here's what is working for San ju San Financial Group, Inc.
Credit Deposit Ratio
Highest at 1.99% 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 10,755 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (JPY MM)
Net Profit
At JPY 6,733.42 MM has Grown at 75.6%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (JPY MM)
Net Sales
Highest at JPY 13,748 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Net Sales
At JPY 13,748 MM has Grown at 33.55%
Year on Year (YoY)MOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Operating Profit
Highest at JPY 3,787 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (JPY MM)
Operating Profit Margin
Highest at 27.55 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
At JPY 3,767 MM has Grown at 76.36%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (JPY MM)
Dividend per share
Highest at JPY 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (JPY)
Here's what is not working for San ju San Financial Group, Inc.
Interest
At JPY 7,793 MM has Grown at 181.95%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (JPY MM)
Dividend Payout Ratio
Lowest at 77.05% and Fallen
In each year in the last five yearsMOJO Watch
Company is distributing lower proportion of profits generated as dividend
DPR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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