ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is The 77 Bank, Ltd. ?
1
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 10.73% 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 10.73% signifying inadequate buffers against its risk based assets
- The bank has been able to generate a Return on Assets (avg) of 0.18% signifying low profitability per unit of total assets
2
Healthy long term growth as Net profit has grown by an annual rate of 16.50%
3
Flat results in Jun 25
- INTEREST(9M) At JPY 9,866 MM has Grown at 466.04%
- ROCE(HY) Lowest at 0.38%
4
With ROA of 0.38%, it has a very attractive valuation with a 0.66 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 58.42%, its profits have risen by 32% ; the PEG ratio of the company is 0.3
- 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 The 77 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
No Data Found
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
9.50%
EBIT Growth (5y)
33.28%
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
33.05%
Pledged Shares
0
Institutional Holding
0.05%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
10
Industry P/E
Price to Book Value
0.66
EV to EBIT
-1.04
EV to EBITDA
-0.96
EV to Capital Employed
-0.24
EV to Sales
-0.34
PEG Ratio
0.30
Dividend Yield
0.01%
ROCE (Latest)
Negative Capital Employed
ROE (Latest)
6.84%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Bullish
Bullish
OBV
Mildly Bullish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend11What is working for the Company
ROCE(HY)
Highest at 0.38%
CREDIT DEPOSIT RATIO(Q)
Highest at 0%
NET SALES(Q)
At JPY 31,898 MM has Grown at 15.36%
OPERATING PROFIT(Q)
Highest at JPY 15,255 MM
OPERATING PROFIT MARGIN(Q)
Highest at 47.82 %
PRE-TAX PROFIT(Q)
Highest at JPY 17,645 MM
NET PROFIT(Q)
Highest at JPY 12,289 MM
EPS(Q)
Highest at JPY 165.62
-6What is not working for the Company
INTEREST(9M)
At JPY 9,866 MM has Grown at 466.04%
ROCE(HY)
Lowest at 0.38%
Here's what is working for The 77 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 (%)
Net Sales
Highest at JPY 31,898 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Net Sales
At JPY 31,898 MM has Grown at 15.36%
over average net sales of the previous four periods of JPY 27,650 MMMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Operating Profit
Highest at JPY 15,255 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (JPY MM)
Operating Profit Margin
Highest at 47.82 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at JPY 17,645 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 12,289 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (JPY MM)
EPS
Highest at JPY 165.62
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (JPY)
Here's what is not working for The 77 Bank, Ltd.
Interest
At JPY 9,866 MM has Grown at 466.04%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (JPY MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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