ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is The Awa Bank Ltd. ?
1
Poor Management Efficiency with a low ROA of 0.18%
- The bank has been able to generate a Return on Assets (avg) of 0.18% signifying low profitability per unit of total assets
2
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 11.22% signifying inadequate buffers against its risk based assets
- Poor long term growth as Net profit has grown by an annual rate of 12.80%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 11.22% 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
3
Poor long term growth as Net profit has grown by an annual rate of 12.80%
4
Flat results in Jun 26
- INTEREST(9M) At JPY 9,415 MM has Grown at 45.43%
- ROCE(HY) Lowest at 0.43%
- CASH AND EQV(HY) Lowest at JPY 705,286 MM
5
With ROA of 0.24%, it has a attractive valuation with a 0.69 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 175.88%, its profits have risen by 18% ; the PEG ratio of the company is 0.9
- 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 Awa 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 The Awa Bank Ltd. for you?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
The Awa Bank Ltd.
169.79%
6.67
33.16%
Japan Nikkei 225
59.79%
2.06
29.57%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
8.50%
EBIT Growth (5y)
13.78%
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
35.91%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
18
Industry P/E
Price to Book Value
0.69
EV to EBIT
7.63
EV to EBITDA
6.63
EV to Capital Employed
0.55
EV to Sales
2.59
PEG Ratio
0.87
Dividend Yield
NA
ROCE (Latest)
7.15%
ROE (Latest)
3.89%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
Bearish
Bearish
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Bullish
No Trend
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend14What is working for the Company
ROCE(HY)
Highest at 0.43%
NII(Q)
Highest at JPY 12,574 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 73.14%
NET SALES(Q)
Highest at JPY 16,106 MM
PRE-TAX PROFIT(Q)
Highest at JPY 8,319 MM
NET PROFIT(Q)
Highest at JPY 5,877.54 MM
EPS(Q)
Highest at JPY 149.42
-9What is not working for the Company
INTEREST(9M)
At JPY 9,415 MM has Grown at 45.43%
ROCE(HY)
Lowest at 0.43%
CASH AND EQV(HY)
Lowest at JPY 705,286 MM
OPERATING PROFIT(Q)
Lowest at JPY -49 MM
OPERATING PROFIT MARGIN(Q)
Lowest at -0.3 %
Here's what is working for The Awa Bank Ltd.
NII
Highest at JPY 12,574 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (JPY MM)
Net Sales
Highest at JPY 16,106 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Net Sales
At JPY 16,106 MM has Grown at 21.98%
Year on Year (YoY)MOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Pre-Tax Profit
Highest at JPY 8,319 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 5,877.54 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (JPY MM)
EPS
Highest at JPY 149.42
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (JPY)
Credit Deposit Ratio
Highest at 73.14%
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 The Awa Bank Ltd.
Interest
At JPY 9,415 MM has Grown at 45.43%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (JPY MM)
Operating Profit
Lowest at JPY -49 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (JPY MM)
Operating Profit Margin
Lowest at -0.3 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Cash and Eqv
Lowest at JPY 705,286 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
Non Operating Income
Highest at JPY 1.02 MM
in the last five periodsMOJO Watch
Increased income from non business activities may not be sustainable
Non Operating income
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