ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is The Awa Bank Ltd. ?
1
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 3.40%
- 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 0.20% signifying low profitability per unit of total assets
2
Poor long term growth as Net profit has grown by an annual rate of 3.40%
3
Positive results in Dec 25
- ROCE(HY) Highest at 0.38%
- CREDIT DEPOSIT RATIO(HY) Highest at 72.61%
- NET SALES(Q) At JPY 13,915 MM has Grown at 18.75%
4
With ROA of 0.33%, it has a very attractive valuation with a 0.35 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 88.94%, its profits have risen by 17% ; the PEG ratio of the company is 0.5
- 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.
88.94%
2.95
34.48%
Japan Nikkei 225
36.73%
1.30
28.24%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
3.40%
EBIT Growth (5y)
-1.77%
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
28.71%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
9
Industry P/E
Price to Book Value
0.35
EV to EBIT
-8.74
EV to EBITDA
-7.05
EV to Capital Employed
-1.00
EV to Sales
-2.34
PEG Ratio
0.52
Dividend Yield
0.02%
ROCE (Latest)
Negative Capital Employed
ROE (Latest)
3.95%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
No Trend
No Trend
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend9What is working for the Company
ROCE(HY)
Highest at 0.38%
CREDIT DEPOSIT RATIO(HY)
Highest at 72.61%
NET SALES(Q)
At JPY 13,915 MM has Grown at 18.75%
PRE-TAX PROFIT(Q)
At JPY 5,298 MM has Grown at 67.71%
-6What is not working for the Company
INTEREST(9M)
At JPY 7,740 MM has Grown at 47.82%
ROCE(HY)
Lowest at 0.38%
Here's what is working for The Awa Bank Ltd.
Net Sales
At JPY 13,915 MM has Grown at 18.75%
Year on Year (YoY)MOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Pre-Tax Profit
At JPY 5,298 MM has Grown at 67.71%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (JPY MM)
Credit Deposit Ratio
Highest at 72.61%
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 (%)
Depreciation
Highest at JPY 740 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 The Awa Bank Ltd.
Interest
At JPY 7,740 MM has Grown at 47.82%
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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