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

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Comparison

Company

Score

Quality

Valuation

Financial

Technical

Okinawa Financial Group, Inc.

The Ogaki Kyoritsu Bank Ltd.

The Bank of Iwate Ltd.

Bank of The Ryukyus, Ltd.

The Miyazaki Bank Ltd.

The Bank of Nagoya Ltd.

San ju San Financial Group, Inc.

The Keiyo Bank, Ltd.

First Bank of Toyama Ltd.

Nanto Bank Ltd.

TOMONY Holdings, Inc.

Why is San ju San Financial Group, Inc. ?

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%

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 82.49%, its profits have risen by 25% ; the PEG ratio of the company is 0.3

Market Beating Performance

The stock has generated a return of 82.49% in the last 1 year, much higher than market (Japan Nikkei 225) returns of 28.54%

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.

82.49%

2.04

40.51%

Japan Nikkei 225

28.54%

1.11

25.75%

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

Bearish

Bollinger Bands

Mildly Bullish

Moving Averages

Bullish (Daily)

KST

Mildly Bearish

Bullish

Dow Theory

Bullish

OBV

Bullish

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

15What 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 periods

MOJO 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 periods

MOJO Watch

Near term sales trend is positive

Net Sales (JPY MM)

Pre-Tax Profit

Highest at JPY 3,752 MM

in the last five periods

MOJO 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 periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (JPY MM)

EPS

Highest at JPY 107.15

in the last five periods

MOJO 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 periods

MOJO 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 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 4,329 MM has Grown at 781.67%

over previous Semi-Annual period

MOJO Watch

Rising interest cost signifies increased borrowings

Interest Paid (JPY MM)

Non Operating Income

Highest at JPY 0.45 MM

in the last five periods

MOJO Watch

Increased income from non business activities may not be sustainable

Non Operating income