ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is SBI Sumishin Net Bank, Ltd. ?
Unrated Stock - No Analysis Available
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
11.50%
EBIT Growth (5y)
16.58%
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
10.19%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
26
Industry P/E
Price to Book Value
4.33
EV to EBIT
6.02
EV to EBITDA
4.78
EV to Capital Employed
-0.52
EV to Sales
2.67
PEG Ratio
2.38
Dividend Yield
NA
ROCE (Latest)
Negative Capital Employed
ROE (Latest)
16.58%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Sideways
Moving Averages
Mildly Bullish (Daily)
KST
Bullish
Dow Theory
No Trend
No Trend
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend12What is working for the Company
NET SALES(9M)
At JPY 65,217 MM has Grown at 49.6%
CREDIT DEPOSIT RATIO(HY)
Highest at 86.61%
-8What is not working for the Company
INTEREST(9M)
At JPY 23,416 MM has Grown at 152.16%
OPERATING PROFIT MARGIN(Q)
Lowest at 32.82 %
PRE-TAX PROFIT(Q)
Lowest at JPY 7,879 MM
NET PROFIT(Q)
Lowest at JPY 5,536.41 MM
EPS(Q)
Lowest at JPY 36.71
Here's what is working for SBI Sumishin Net Bank, Ltd.
Net Sales
Highest at JPY 24,210 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (JPY MM)
Net Sales
At JPY 24,210 MM has Grown at 56.65%
Year on Year (YoY)MOJO Watch
Near term sales trend is very positive
Net Sales (JPY MM)
Credit Deposit Ratio
Highest at 86.61%
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 (%)
Here's what is not working for SBI Sumishin Net Bank, Ltd.
Interest
At JPY 23,416 MM has Grown at 152.16%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (JPY MM)
Operating Profit Margin
Lowest at 32.82 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Pre-Tax Profit
Lowest at JPY 7,879 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 5,536.41 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is negative
Net Profit (JPY MM)
EPS
Lowest at JPY 36.71
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (JPY)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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