ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Seven Bank Ltd. ?
1
High Management Efficiency with a high ROA of 1.26%
2
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
3
Strong Long Term Fundamental Strength with an average Return on Assets (ROA) of 1.26%
4
Negative results in Dec 25
- INTEREST(9M) At JPY 2,282 MM has Grown at 52.95%
- CASH AND EQV(HY) Lowest at JPY 1,811,873 MM
- NET PROFIT(Q) Lowest at JPY -16,465.46 MM
5
With ROA of 1.19%, it has a very attractive valuation with a 1.13 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 -8.54%, its profits have fallen by -43%
6
Below par performance in long term as well as near term
- Along with generating -8.54% returns in the last 1 year, the stock has also underperformed Japan Nikkei 225 in the last 3 years, 1 year and 3 months
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.
-8.54%
0.10
24.36%
Japan Nikkei 225
36.73%
1.30
28.24%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
25.40%
EBIT Growth (5y)
-160.50%
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
70.63%
Pledged Shares
0
Institutional Holding
0.05%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
17
Industry P/E
Price to Book Value
1.13
EV to EBIT
199.33
EV to EBITDA
-17.98
EV to Capital Employed
0.93
EV to Sales
-43.28
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
0.47%
ROE (Latest)
6.57%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Bullish
RSI
Bullish
No Signal
Bollinger Bands
Bearish
Bearish
Moving Averages
Mildly Bullish (Daily)
KST
Bearish
Mildly Bullish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend10What is working for the Company
NET SALES(Q)
Highest at JPY 3,985 MM
-19What is not working for the Company
INTEREST(9M)
At JPY 2,282 MM has Grown at 52.95%
CASH AND EQV(HY)
Lowest at JPY 1,811,873 MM
NET PROFIT(Q)
Lowest at JPY -16,465.46 MM
EPS(Q)
Lowest at JPY -1.31
Here's what is working for Seven Bank Ltd.
Net Sales
At JPY 3,985 MM has Grown at 39.68%
Year on Year (YoY)MOJO Watch
Near term sales trend is very positive
Net Sales (JPY MM)
Net Sales
Highest at JPY 3,985 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Depreciation
Highest at JPY 7,957 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (JPY MM)
Here's what is not working for Seven Bank Ltd.
Interest
At JPY 2,282 MM has Grown at 52.95%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (JPY MM)
Net Profit
At JPY -16,465.46 MM has Fallen at -484.03%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is very negative
Net Profit (JPY MM)
Net Profit
Lowest at JPY -16,465.46 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is negative
Net Profit (JPY MM)
EPS
Lowest at JPY -1.31
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (JPY)
Cash and Eqv
Lowest at JPY 1,811,873 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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