ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Seven Bank Ltd. ?
1
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 46.90% signifying inadequate buffers against its risk based assets
- Poor long term growth as Net profit has grown by an annual rate of -7.00%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 46.90% signifying inadequate buffers against its risk based assets
- A high ratio signifies bank has weaker due diligence systems when giving out loans
2
Poor long term growth as Net profit has grown by an annual rate of -7.00%
3
Flat results in Mar 26
- INTEREST(9M) At JPY 2,616 MM has Grown at 52.36%
- NET PROFIT(HY) At JPY -10,434.62 MM has Grown at -233.61%
- OPERATING PROFIT MARGIN(Q) Lowest at 180.86 %
4
With ROA of 1.09%, it has a very attractive valuation with a 1.23 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 18.53%, its profits have fallen by -43%
5
Underperformed the market in the last 1 year
- The stock has generated a return of 18.53% in the last 1 year, much lower than market (Japan Nikkei 225) returns of 59.79%
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Seven Bank Ltd. should be less than 10%
- Overall Portfolio exposure to Major Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Seven Bank Ltd. for you?
Low Risk, Low Return
Absolute
Risk Adjusted
Volatility
Seven Bank Ltd.
-100.0%
1.15
20.01%
Japan Nikkei 225
59.79%
2.03
29.50%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
25.40%
EBIT Growth (5y)
-135.39%
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
90.57%
Pledged Shares
0
Institutional Holding
0.05%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
18
Industry P/E
Price to Book Value
1.23
EV to EBIT
3273.95
EV to EBITDA
-18.62
EV to Capital Employed
0.90
EV to Sales
-48.72
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
0.03%
ROE (Latest)
6.66%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Mildly Bullish
No Trend
OBV
Bullish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend14What is working for the Company
NII(Q)
Highest at JPY 3,312 MM
NET SALES(Q)
Highest at JPY 4,374 MM
PRE-TAX PROFIT(Q)
Highest at JPY 8,254 MM
NET PROFIT(Q)
Highest at JPY 6,030.84 MM
-13What is not working for the Company
INTEREST(9M)
At JPY 2,616 MM has Grown at 52.36%
NET PROFIT(HY)
At JPY -10,434.62 MM has Grown at -233.61%
OPERATING PROFIT MARGIN(Q)
Lowest at 180.86 %
Here's what is working for Seven Bank Ltd.
Net Sales
At JPY 4,374 MM has Grown at 46.53%
Year on Year (YoY)MOJO Watch
Near term sales trend is very positive
Net Sales (JPY MM)
NII
Highest at JPY 3,312 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (JPY MM)
Net Sales
Highest at JPY 4,374 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Pre-Tax Profit
Highest at JPY 8,254 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (JPY MM)
Net Profit
Highest at JPY 6,030.84 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (JPY MM)
Net Profit
At JPY 6,030.84 MM has Grown at 71.22%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (JPY MM)
Here's what is not working for Seven Bank Ltd.
Interest
At JPY 2,616 MM has Grown at 52.36%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (JPY MM)
Operating Profit Margin
Lowest at 180.86 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Non Operating Income
Highest at JPY 0.05 MM
in the last five periodsMOJO Watch
Increased income from non business activities may not be sustainable
Non Operating income
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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