ScoreWhy is The Bank of Saga Ltd. ?
1
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 7.74% signifying inadequate buffers against its risk based assets
- Poor long term growth as Net profit has grown by an annual rate of 25.20%
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 7.74% signifying inadequate buffers against its risk based assets
- The bank has been able to generate a Return on Assets (avg) of 0.12% signifying low profitability per unit of total assets
2
Flat results in Dec 25
- INTEREST(9M) At JPY 5,344 MM has Grown at 102.89%
- ROCE(HY) Lowest at 0.27%
3
With ROA of 0.23%, it has a very attractive valuation with a 0.32 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 98.53%, its profits have risen by 21% ; the PEG ratio of the company is 0.2
- At the current price, the company has a high dividend yield of 0
4
Market Beating performance in long term as well as near term
- Along with generating 98.53% returns in the last 1 year, the stock has outperformed 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 The Bank of Saga 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
No Data Found
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
6.40%
EBIT Growth (5y)
27.40%
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
20.25%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
5
Industry P/E
Price to Book Value
0.32
EV to EBIT
-20.86
EV to EBITDA
-18.39
EV to Capital Employed
1.68
EV to Sales
-6.05
PEG Ratio
0.23
Dividend Yield
0.02%
ROCE (Latest)
-8.07%
ROE (Latest)
6.44%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bullish
Bullish
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend7What is working for the Company
NET PROFIT(HY)
At JPY 5,934 MM has Grown at 61.12%
ROCE(HY)
Highest at 0.27%
NET SALES(Q)
Highest at JPY 9,530 MM
-6What is not working for the Company
INTEREST(9M)
At JPY 5,344 MM has Grown at 102.89%
ROCE(HY)
Lowest at 0.27%
Here's what is working for The Bank of Saga Ltd.
Net Profit
At JPY 5,934 MM has Grown at 61.12%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (JPY MM)
Net Sales
Highest at JPY 9,530 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (JPY MM)
Depreciation
Highest at JPY 440 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (JPY MM)
Depreciation
At JPY 440 MM has Grown at 31.74%
period on period (QoQ)MOJO Watch
The expenditure on assets done by the company has gone into productive use which should positively reflect in the future sales
Depreciation (JPY MM)
Here's what is not working for The Bank of Saga Ltd.
Interest
At JPY 5,344 MM has Grown at 102.89%
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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