ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Suruga Bank Ltd. ?
1
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 12.96% signifying inadequate buffers against its risk based assets
- Poor long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 12.96% signifying inadequate buffers against its risk based assets
- The bank has been able to generate a Return on Assets (avg) of 0.35% signifying low profitability per unit of total assets
2
Poor long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0%
3
Flat results in Jun 25
- INTEREST(9M) At JPY 3,258 MM has Grown at 260.8%
- CASH AND EQV(HY) Lowest at JPY 1,393,829 MM
- OPERATING PROFIT MARGIN(Q) Lowest at 23.81 %
4
With ROA of 0.58%, it has a very attractive valuation with a 0.88 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 55.87%, its profits have risen by 31% ; the PEG ratio of the company is 0.2
- At the current price, the company has a high dividend yield of 0
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Suruga Bank Ltd. 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 Suruga Bank Ltd. for you?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
Suruga Bank Ltd.
55.87%
546.80
31.24%
Japan Nikkei 225
28.54%
1.11
25.75%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
-6.20%
EBIT Growth (5y)
-9.34%
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
27.14%
Pledged Shares
0
Institutional Holding
1.90%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
13
Industry P/E
Price to Book Value
0.88
EV to EBIT
-25.27
EV to EBITDA
-19.74
EV to Capital Employed
1.07
EV to Sales
-8.02
PEG Ratio
0.24
Dividend Yield
0.04%
ROCE (Latest)
-4.22%
ROE (Latest)
6.82%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
No Trend
Mildly Bullish
OBV
Mildly Bullish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend5What is working for the Company
CREDIT DEPOSIT RATIO(Q)
Highest at 0%
NII(Q)
Highest at JPY 18,304 MM
NET SALES(Q)
Highest at JPY 19,822 MM
-7What is not working for the Company
INTEREST(9M)
At JPY 3,258 MM has Grown at 260.8%
CASH AND EQV(HY)
Lowest at JPY 1,393,829 MM
OPERATING PROFIT MARGIN(Q)
Lowest at 23.81 %
Here's what is working for Suruga Bank Ltd.
Credit Deposit Ratio
Highest at 0% 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 18,304 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (JPY MM)
Net Sales
Highest at JPY 19,822 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Here's what is not working for Suruga Bank Ltd.
Interest
At JPY 3,258 MM has Grown at 260.8%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (JPY MM)
Operating Profit Margin
Lowest at 23.81 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Cash and Eqv
Lowest at JPY 1,393,829 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
Non Operating Income
Highest at JPY 0.29 MM
in the last five periodsMOJO Watch
Increased income from non business activities may not be sustainable
Non Operating income
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